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1.发明申请ALTERNATIVE PAYMENT DEVICES USING ELECTRONIC CHECK PROCESSING AS A PAYMENT MECHANISM 有权使用电子检查处理作为付款机制的替代付款设备公开(公告)号：US20080116268A1
公开(公告)日：2008-05-22
申请号：US12025258
申请日：2008-02-04
Applicant: Amy Swift , Lisa Tidwell , Cassandra Mollett
Inventor： Amy Swift , Lisa Tidwell , Cassandra Mollett
CPC classification number: G06Q20/04 , G06Q20/02 , G06Q20/023 , G06Q20/0425 , G06Q20/10 , G06Q20/12 , G06Q20/20 , G06Q20/204 , G06Q20/24 , G06Q20/32 , G06Q20/3278 , G06Q20/40 , G06Q20/403 , G07F7/04
Abstract: The present invention includes a merchant system that recognizes virtually any payment device or technology that uses electronic check processing as a payment mechanism. For example, the merchant system associates presentation of the payment device with information used to electronically debit a checking account, such as MICR data, and submits the same to a transaction processor capable of settling electronic debit transactions.
Abstract translation: 本发明包括商业系统，其几乎可以识别使用电子支票处理作为支付机制的任何支付设备或技术。 例如，商家系统将支付装置的显示与用于电子借记诸如MICR数据的支票账户的信息相关联，并将其提交给能够结算电子借记交易的交易处理器。
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2.发明申请SYSTEMS AND METHODS FOR ASSESSING THE RISK OF A FINANCIAL TRANSACTION USING AUTHENTICATING MARKS 有权使用认证标志评估财务交易风险的制度和方法公开(公告)号：US20080046368A1
公开(公告)日：2008-02-21
申请号：US11925629
申请日：2007-10-26
Applicant: Lisa Tidwell , Amy Swift , Cassandra Mollett , Mark Wallin , Lance Pate , Charles Williams
Inventor： Lisa Tidwell , Amy Swift , Cassandra Mollett , Mark Wallin , Lance Pate , Charles Williams
IPC: G06Q40/00
CPC classification number: G06Q20/4016 , G06Q20/042 , G06Q20/108 , G06Q20/40 , G06Q30/00 , G06Q40/025
Abstract: 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.
Abstract translation: 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。
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公开(公告)号：US07131571B2
公开(公告)日：2006-11-07
申请号：US10184030
申请日：2002-06-26
Applicant: Amy Swift , Lisa Tidwell , Cassandra Mollett
Inventor： Amy Swift , Lisa Tidwell , Cassandra Mollett
CPC classification number: G06Q20/04 , G06Q20/02 , G06Q20/023 , G06Q20/0425 , G06Q20/10 , G06Q20/12 , G06Q20/20 , G06Q20/204 , G06Q20/24 , G06Q20/32 , G06Q20/3278 , G06Q20/40 , G06Q20/403 , G07F7/04
Abstract: The present invention includes a merchant system that recognizes virtually any payment device or technology that uses electronic check processing as a payment mechanism. For example, the merchant system associates presentation of the payment device with information used to electronically debit a checking account, such as MICR data, and submits the same to a transaction processor capable of settling electronic debit transactions.
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公开(公告)号：US20050133587A1
公开(公告)日：2005-06-23
申请号：US10745464
申请日：2003-12-23
Applicant: Leslie Michelassi , Lisa Tidwell , Randy Templeton , Sharat Shankar
Inventor： Leslie Michelassi , Lisa Tidwell , Randy Templeton , Sharat Shankar
CPC classification number: G06Q20/40 , G06Q20/042 , G06Q20/4016 , G06Q20/403 , G06Q40/00
Abstract: Systems and methods are disclosed for assisting a check-cashing entity to efficiently and accurately locate relevant positive pay information or other reconcilement information regarding a check or other negotiable instrument that has been presented in association with a request to cash, deposit, use as payment or other otherwise accept the check or negotiable instrument. In various embodiments, when a plurality of potentially useful reconcilement information sources are selected for querying in association with a proposed check-cashing transaction from amongst a set of available reconcilement information sources, factors relating to the transaction, factors relating to characteristics of the information sources, and factors relating to preferences on the part of the check-cashing entity may be considered in order to select and prioritize the querying of information sources that are deemed likely to hold desired reconcilement information.
Abstract translation: 系统和方法被公开用于帮助支票兑现实体有效地和准确地定位相关的正支付信息或关于已经与现金，存款，使用作为支付的请求相关联的支票或其他可转让票据的其他调节信息 否则另行接受支票或可转让票据。 在各种实施例中，当从一组可用调节信息源中选择多个可能有用的协调信息源以与所提出的支票兑现交易相关联地进行查询时，与交易相关的因素，与信息源的特征有关的因素 ，并且可以考虑与支票兑现实体的偏好有关的因素，以便选择被认为可能保持所需的协调信息的信息源的查询的优先级。
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5.发明申请Systems and methods for assessing the risk of a financial transaction using biometric information 有权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：US20050125339A1
公开(公告)日：2005-06-09
申请号：US10731401
申请日：2003-12-09
Applicant: Lisa Tidwell , Amy Swift , Cassandra Mollett , Mark Wallin , Lance Pate , Charles Williams
Inventor： Lisa Tidwell , Amy Swift , Cassandra Mollett , Mark Wallin , Lance Pate , Charles Williams
CPC classification number: G06Q40/08 , G06Q20/042 , G06Q20/10 , G06Q20/403
Abstract: 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.
Abstract translation: 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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Patent Agency Ranking
公开(公告)号：US20070000994A1
公开(公告)日：2007-01-04
申请号：US11513795
申请日：2006-08-31
Applicant: Leslie Michelassi , Lisa Tidwell , Randy Templeton , Sharat Shankar
Inventor： Leslie Michelassi , Lisa Tidwell , Randy Templeton , Sharat Shankar
CPC classification number: G06Q20/40 , G06Q20/042 , G06Q20/4016 , G06Q20/403 , G06Q40/00
Abstract: Systems and methods are disclosed for assisting a check-cashing entity to efficiently and accurately locate relevant positive pay information or other reconcilement information regarding a check or other negotiable instrument that has been presented in association with a request to cash, deposit, use as payment or other otherwise accept the check or negotiable instrument. In various embodiments, when a plurality of potentially useful reconcilement information sources are selected for querying in association with a proposed check-cashing transaction from amongst a set of available reconcilement information sources, factors relating to the transaction, factors relating to characteristics of the information sources, and factors relating to preferences on the part of the check-cashing entity may be considered in order to select and prioritize the querying of information sources that are deemed likely to hold desired reconcilement information.
Abstract translation: 系统和方法被公开用于帮助支票兑现实体有效地和准确地定位相关的正支付信息或关于已经与现金，存款，使用作为支付的请求相关联的支票或其他可转让票据的其他调节信息 否则另行接受支票或可转让票据。 在各种实施例中，当从一组可用调节信息源中选择多个可能有用的协调信息源以与所提出的支票兑现交易相关联地进行查询时，与交易相关的因素，与信息源的特征有关的因素 ，并且可以考虑与支票兑现实体的偏好有关的因素，以便选择被认为可能保持所需的协调信息的信息源的查询的优先级。
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7.发明申请公开(公告)号：US20050125360A1
公开(公告)日：2005-06-09
申请号：US10730868
申请日：2003-12-09
Applicant: Lisa Tidwell , Amy Swift , Cassandra Mollett , Mark Wallin , Lance Pate , Charles Williams
Inventor： Lisa Tidwell , Amy Swift , Cassandra Mollett , Mark Wallin , Lance Pate , Charles Williams
CPC classification number: G06Q20/20 , G06Q20/042 , G06Q20/367 , G06Q20/4014 , G06Q20/4016 , G07D7/004
Abstract: Systems and methods are described for using a point-of-sale device at a check-cashing entity to obtain information about one or more authenticating marks, such as watermarks, bar codes, background patterns, color schemes, insignia, security validation numbers, or the like, from a second-party check or other negotiable instrument presented for a proposed check-cashing transaction. In various embodiments, the authenticating mark information may be compared to stored information about expected configurations of authenticating marks as part of a risk assessment of the check. In various embodiments, the point-of-sale device transmits authenticating mark information to a check authorization system. The point-of-sale device may receive an accept/decline recommendation for the transaction from the check authorization system, based at least in part on the obtained authenticating mark information. The point-of-sale device may display a message about the recommendation to an operator of the device.
Abstract translation: 描述了系统和方法，用于在支票兑现实体处使用销售点设备来获取关于一个或多个认证标记的信息，例如水印，条形码，背景图案，配色方案，徽章，安全验证号码或 类似的，从提出的支票兑现交易呈现的第二方支票或其他可转让票据。 在各种实施例中，认证标记信息可以与存储关于认证标记的预期配置的信息进行比较，作为支票的风险评估的一部分。 在各种实施例中，销售点设备向认证授权系统发送认证标记信息。 销售点设备可以至少部分地基于所获得的认证标记信息，从支票授权系统接收关于交易的接受/拒绝建议。 销售点设备可以向设备的操作者显示关于推荐的消息。
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8.发明申请公开(公告)号：US20050125337A1
公开(公告)日：2005-06-09
申请号：US10730859
申请日：2003-12-09
Applicant: Lisa Tidwell , Amy Swift , Cassandra Mollett , Mark Wallin , Lance Pate , Charles Williams
Inventor： Lisa Tidwell , Amy Swift , Cassandra Mollett , Mark Wallin , Lance Pate , Charles Williams
CPC classification number: G06Q20/042 , G06Q20/10 , G06Q20/40 , G06Q30/02 , G06Q40/02 , G06Q40/025
Abstract: 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.
Abstract translation: 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。
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9.发明申请公开(公告)号：US20050125295A1
公开(公告)日：2005-06-09
申请号：US10731294
申请日：2003-12-09
Applicant: Lisa Tidwell , Amy Swift , Cassandra Mollett , Mark Wallin , Lance Pate , Charles Williams
Inventor： Lisa Tidwell , Amy Swift , Cassandra Mollett , Mark Wallin , Lance Pate , Charles Williams
CPC classification number: G06Q20/20 , G06Q20/042 , G06Q20/4014 , G06Q20/4016 , G07D7/004
Abstract: Systems and methods are described for using a point-of-sale device to obtain information about a payor of a second-party check or other negotiable instrument presented for a proposed check-cashing transaction. In various embodiments, a keyboard, touchscreen, voice input system or other input system is used to enter information about a payor of a second-party check, which may comprise, for example, payor name, payor bank account identifier, payor location information, and the like. The payor information may be used to determine the proximity of the payor to the location of the proposed check-cashing transaction. In various embodiments, the point-of-sale device transmits the payor information to a check authorization system for a risk assessment of the transaction. In some embodiments, the point-of-sale device may prompt an operator or a check presenter to enter payor information in response to a request from the check authorization system. In various embodiments, the point-of-sale device may receive an accept/decline recommendation for the transaction from the check authorization system, based at least in part on the obtained payor information.
Abstract translation: 描述了使用销售点设备来获得关于为提出的支票兑现交易呈现的第二方支票或其他可转让票据的付款人的信息的系统和方法。 在各种实施例中，键盘，触摸屏，语音输入系统或其他输入系统用于输入关于第二方支票的付款人的信息，其可以包括例如付款人姓名，付款人银行账户标识符，付款人位置信息， 等等。 支付者信息可以用于确定付款人对所提出的支票兑现交易的位置的接近度。 在各种实施例中，销售点设备将支付者信息发送到支票授权系统以进行交易的风险评估。 在一些实施例中，销售点设备可以响应于来自支票授权系统的请求，提示操作者或支票主持人输入付款人信息。 在各种实施例中，销售点设备可以至少部分地基于所获得的付款者信息，从支票授权系统接收关于交易的接受/拒绝建议。
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10.发明申请Systems and methods for assessing the risk of a financial transaction using authenticating marks 有权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：US20050125351A1
公开(公告)日：2005-06-09
申请号：US10731540
申请日：2003-12-09
Applicant: Lisa Tidwell , Amy Swift , Cassandra Mollett , Mark Wallin , Lance Pate , Charles Williams
Inventor： Lisa Tidwell , Amy Swift , Cassandra Mollett , Mark Wallin , Lance Pate , Charles Williams
CPC classification number: G06Q20/4016 , G06Q20/042 , G06Q20/108 , G06Q20/40 , G06Q30/00 , G06Q40/025
Abstract: 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.
Abstract translation: 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。
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