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1. 发明申请

WO2009086165A1 AUTHENTICATED THIRD-PARTY CHECK CASHING 审中-公开
标题翻译：认证第三方检查
公开(公告)号：WO2009086165A1
公开(公告)日：2009-07-09
申请号：PCT/US2008/087776
申请日：2008-12-19
申请人： FIRST DATA CORPORATION , CALLAHAN, Nicole, H. , CLOUTHIER, Michael , COX, Chris, T.
发明人： CALLAHAN, Nicole, H. , CLOUTHIER, Michael , COX, Chris, T.
IPC分类号： G06K5/00
CPC分类号： G06Q20/40 , G06Q20/042 , G06Q20/40145 , G06Q30/06 , G06Q40/00
摘要： Tools for facilitating the process of providing presentation instrument redemption services, including without limitation tools that implement techniques for authenticating the identity of a check cashing customer through the use of biometric data that is derived from one or more biometric characteristics of the customer. The tools can be used to enroll the customer in a check cashing program, using biometric data as an authentication key. Thereafter, when the customer attempts to redeem a presentation instrument, the customer can provide the same biometric data, and the tools can authenticate the identity of the customer based one the biometric data. The tools can implement additional risk-prevention measures, such as risk-profiling routines, which can be used to estimate the risk of a fraudulent transaction, based on a variety of risk factors associated with the customer and/or the requested transaction.
摘要翻译：用于促进提供演示文稿兑换服务的过程的工具，包括但不限于实现通过使用从客户的一个或多个生物特征特征导出的生物特征数据来验证支票兑现客户身份的技术的工具。这些工具可用于将客户注册到支票兑现程序中，并使用生物特征数据作为身份验证密钥。此后，当客户尝试兑换演示文稿时，客户可以提供相同的生物特征数据，并且工具可以基于生物特征数据验证客户身份。这些工具可以基于与客户和/或所请求的交易相关联的各种风险因素来实施额外的风险预防措施，例如风险分析程序，其可以用于估计欺诈交易的风险。

2. 发明申请

WO2009086167A1 PERSONAL CHECK ACCEPTANCE SYSTEMS AND METHODS 审中-公开
标题翻译：个人检查接受系统和方法
公开(公告)号：WO2009086167A1
公开(公告)日：2009-07-09
申请号：PCT/US2008/087779
申请日：2008-12-19
申请人： FIRST DATA CORPORATION , CLOUTHIER, Michael , AHLES, Daniel
发明人： CLOUTHIER, Michael , AHLES, Daniel
IPC分类号： G06Q40/00
CPC分类号： G06Q20/042 , G06Q20/108 , G06Q20/204 , G06Q20/40 , G06Q20/401 , G06Q30/06 , G06Q30/0601 , G06Q40/00
摘要： Tools for facilitating the acceptance of personal checks and other presentation instruments. The tools, in some aspects, allow for preauthorization of a personal check (or other presentation instrument) prior to the merchant receiving the actual check, allowing a merchant, for example, to accept an order by phone, obtain details about the check that will be used to pay for the order, obtain preauthorization to accept the check, and arrange for delivery of the order. Upon delivering the order, the merchant can receive the check, and then obtain a full authorization to accept the check. The full authorization can be based primarily on the preauthorization, giving the merchant assurance that the check will in fact be authorized. In some cases, the tools of the invention also settle the check; in a particular aspect, the check can be settled without requiring the merchant to deposit the check.
摘要翻译：便于接受个人支票和其他演示文书的工具。这些工具在一些方面允许在商家接收实际支票之前对个人支票（或其他表示工具）进行预授权，允许商家例如通过电话接受订单，获得关于将要进行的支票的细节用于支付订单，获得预授权接受支票，并安排交货订单。在交付订单后，商家可以收到支票，然后获得完整的接受支票的授权。完全授权可以主要基于预授权，使商家保证支票实际上是授权的。在某些情况下，本发明的工具也解决了支票; 在特定方面，支票可以在不要求商家存入支票的情况下结算。

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