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1. 发明授权

US07783563B2 Systems and methods for identifying payor location based on transaction data 有权
标题翻译：基于交易数据识别付款人位置的系统和方法
公开(公告)号：US07783563B2
公开(公告)日：2010-08-24
申请号：US10730859
申请日：2003-12-09
申请人： Lisa C. Tidwell , Amy L. Swift , Cassandra Mollett , Mark Wallin , Lance D. Pate , Charles R. Williams
发明人： Lisa C. Tidwell , Amy L. Swift , Cassandra Mollett , Mark Wallin , Lance D. Pate , Charles R. Williams
IPC分类号： G06Q40/00
CPC分类号： G06Q20/042 , G06Q20/10 , G06Q20/40 , G06Q30/02 , G06Q40/02 , G06Q40/025
摘要： Systems and methods are described for building, maintaining, and using a repository of information about payors of second-party checks presented at a check-cashing entity for cashing. In various embodiments, the repository comprises stored information useful for determining the location of a payor of a second-party check. In one embodiment, information from the check that identifies an account on which the check is drawn, such as magnetic ink character recognition (MICR) line information from a paycheck, is used to access a repository of employer location information. In one embodiment, the payor location information is used to determine a proximity between the payor location and the check cashing entity location. In one embodiment, when a check is presented for which stored payor location information is not available, identifying information about the payor and/or the payor location is requested and is added to the repository.
摘要翻译：描述了系统和方法，用于构建，维护和使用在支票兑现实体提供的第二方支票的付款人的信息存储库进行兑现。在各种实施例中，存储库包括用于确定第二方检查的付款人的位置的存储信息。在一个实施例中，使用来自支票的来自工资支票的识别支票的帐户的信息，例如磁墨水字符识别（MICR）线路信息，用于访问雇主位置信息的存储库。在一个实施例中，付款人位置信息用于确定付款人位置和支票兑现实体位置之间的接近度。在一个实施例中，当呈现哪个存储的付款人位置信息不可用的支票时，请求识别有关付款人和/或付款人位置的信息，并将其添加到存储库。

2. 发明授权

US07287689B2 Systems and methods for assessing the risk of a financial transaction using authenticating marks 有权
标题翻译：使用认证商标评估金融交易风险的系统和方法
公开(公告)号：US07287689B2
公开(公告)日：2007-10-30
申请号：US10731540
申请日：2003-12-09
申请人： Lisa C. Tidwell , Amy L. Swift , Cassandra Mollett , Mark Wallin , Lance D. Pate , Charles R. Williams
发明人： Lisa C. Tidwell , Amy L. Swift , Cassandra Mollett , Mark Wallin , Lance D. Pate , Charles R. Williams
IPC分类号： G06K5/00
CPC分类号： G06Q20/4016 , G06Q20/042 , G06Q20/108 , G06Q20/40 , G06Q30/00 , G06Q40/025
摘要： Systems and methods are described for better assessing risk associated with cashing second-party checks and other negotiable instruments. The systems and methods make use of information about authenticating marks, such as watermarks, bar codes, insignia, background patterns, and the like, from a check in order to better assess the legitimacy and cashability of the check. In various embodiments, information about an authenticating mark may be compared to stored information about an expected configuration for the authenticating mark. In various embodiments, a gradated risk score may be generated, based at least in part on the comparison. In various embodiments, the risk score may be combined with risk scores that are descriptive of other aspects of a check cashing transaction to calculate a risk score for the transaction as a whole. In some embodiments, the transaction risk score may be used to generate an accept/decline recommendation for the transaction.
摘要翻译：描述了系统和方法，以更好地评估与第二方支票和其他可转让票据相关的风险。系统和方法从支票中使用关于认证标记的信息，例如水印，条形码，徽章，背景图案等，以便更好地评估支票的合法性和可现金性。在各种实施例中，关于认证标记的信息可以与存储关于认证标记的期望配置的信息进行比较。在各种实施例中，可以至少部分地基于比较来生成分级风险评分。在各种实施例中，风险评分可以与描述检查兑现交易的其他方面的风险评分相结合，以计算整个交易的风险评分。在一些实施例中，交易风险分数可用于为交易产生接受/拒绝推荐。

3. 发明授权

US07398925B2 Systems and methods for assessing the risk of a financial transaction using biometric information 有权
标题翻译：使用生物特征信息评估金融交易风险的系统和方法
公开(公告)号：US07398925B2
公开(公告)日：2008-07-15
申请号：US10731401
申请日：2003-12-09
申请人： Lisa C. Tidwell , Amy L. Swift , Cassandra Mollett , Mark Wallin , Lance D. Pate , Charles R. Williams
发明人： Lisa C. Tidwell , Amy L. Swift , Cassandra Mollett , Mark Wallin , Lance D. Pate , Charles R. Williams
IPC分类号： G06K7/00
CPC分类号： G06Q40/08 , G06Q20/042 , G06Q20/10 , G06Q20/403
摘要： Systems and methods are described for better assessing risk associated with cashing second-party checks and other negotiable instruments by using biometric information obtained from an individual who presents a check or other negotiable instrument in a check-cashing transaction. In various embodiments, the obtained biometric information may be compared with stored biometric information in order to enhance confidence in the accurate identification of the check presenter. In various embodiments, a gradated biometric risk score, based at least in part on the comparison, may be generated for the check-cashing transaction. In various embodiments, the biometric risk score may be combined with risk scores that are descriptive of other aspects of the check-cashing transaction to calculate a risk score for the transaction as a whole. In some embodiments, the risk scores may be used to generate an accept/decline recommendation for the transaction as a whole.
摘要翻译：描述了系统和方法，通过使用从支票兑换交易中提供支票或其他可转让票据的个人获得的生物特征信息来更好地评估与第二方支票和其他可转让票据相关的风险。在各种实施例中，所获得的生物特征信息可以与所存储的生物特征信息进行比较，以便增强对检查提示者的准确识别的置信度。在各种实施例中，至少部分地基于比较可以生成用于支票兑现交易的分级生物特征风险评分。在各种实施例中，生物特征风险评分可以与描述检查兑现交易的其他方面的风险评分相结合，以计算整个交易的风险评分。在一些实施例中，风险分数可用于为整个交易产生接受/拒绝建议。

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