公开(公告)号：US07246740B2

公开(公告)日：2007-07-24

申请号：US10813915

申请日：2004-03-31

申请人： Amy Swift ,  Mark Wallin ,  Lance Pate

发明人： Amy Swift ,  Mark Wallin ,  Lance Pate

IPC分类号： G07F19/00

CPC分类号： G06Q40/02 ,  G06Q20/04 ,  G06Q20/4014 ,  G06Q20/403

摘要： Most financial transactions involving check deposits and cashing at automatic teller machines are often associated with high risk. Although conventional security measures for many automatic teller machines record financial transactions, the recorded events are typically viewed after suspicious or criminal activity has already occurred. Therefore, a financial institution may not know in advance whether requested financial transactions are of suspicious or fraudulent intent. The present teachings relate to a method of scoring customers prior to authorization in a manner so as to identify suspicious behavior or suspicious activity. The method also relates to marking suspicious individuals by storing related transaction information, such as biometric data, in a database for purposes of verifying identification information and scoring the validity of future financial transactions.

摘要翻译： 涉及支票存款和自动柜员机兑现的大多数金融交易往往与高风险相关。 虽然许多自动取款机的常规安全措施记录了金融交易，但是在发生可疑或犯罪活动之后，通常会查看记录的事件。 因此，金融机构可能不知道所要求的金融交易是否具有可疑或欺诈意图。 本教导涉及在授权之前对客户进行评分的方法，以便识别可疑行为或可疑活动。 该方法还涉及通过将相关交易信息（例如生物特征数据）存储在数据库中来标记可疑个体，以便验证识别信息并评估未来金融交易的有效性。

公开(公告)号：US20050125339A1

公开(公告)日：2005-06-09

申请号：US10731401

申请日：2003-12-09

申请人： Lisa Tidwell ,  Amy Swift ,  Cassandra Mollett ,  Mark Wallin ,  Lance Pate ,  Charles Williams

发明人： Lisa Tidwell ,  Amy Swift ,  Cassandra Mollett ,  Mark Wallin ,  Lance Pate ,  Charles Williams

IPC分类号： G06Q40/00 ,  G06F17/60

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。

公开(公告)号：US07500599B2

公开(公告)日：2009-03-10

申请号：US11778519

申请日：2007-07-16

申请人： Amy Swift ,  Mark Wallin ,  Lance Pate

发明人： Amy Swift ,  Mark Wallin ,  Lance Pate

IPC分类号： G07F19/00

CPC分类号： G06Q40/02 ,  G06Q20/04 ,  G06Q20/4014 ,  G06Q20/403

摘要： Most financial transactions involving check deposits and cashing at automatic teller machines are often associated with high risk. Although conventional security measures for many automatic teller machines record financial transactions, the recorded events are typically viewed after suspicious or criminal activity has already occurred. Therefore, a financial institution may not know in advance whether requested financial transactions are of suspicious or fraudulent intent. The present teachings relate to a method of scoring customers prior to authorization in a manner so as to identify suspicious behavior or suspicious activity. The method also relates to marking suspicious individuals by storing related transaction information, such as biometric data, in a database for purposes of verifying identification information and scoring the validity of future financial transactions.

摘要翻译： 涉及支票存款和自动柜员机兑现的大多数金融交易往往与高风险相关。 虽然许多自动取款机的常规安全措施记录了金融交易，但是在发生可疑或犯罪活动之后，通常会查看记录的事件。 因此，金融机构可能不知道所要求的金融交易是否具有可疑或欺诈意图。 本教导涉及在授权之前对客户进行评分的方法，以便识别可疑行为或可疑活动。 该方法还涉及通过将相关交易信息（例如生物特征数据）存储在数据库中来标记可疑个体，以便验证识别信息并评估未来金融交易的有效性。

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。

公开(公告)号：US20050125360A1

公开(公告)日：2005-06-09

申请号：US10730868

申请日：2003-12-09

申请人： Lisa Tidwell ,  Amy Swift ,  Cassandra Mollett ,  Mark Wallin ,  Lance Pate ,  Charles Williams

发明人： Lisa Tidwell ,  Amy Swift ,  Cassandra Mollett ,  Mark Wallin ,  Lance Pate ,  Charles Williams

IPC分类号： G06Q20/00 ,  G07D7/00 ,  G06F17/60

CPC分类号： G06Q20/20 ,  G06Q20/042 ,  G06Q20/367 ,  G06Q20/4014 ,  G06Q20/4016 ,  G07D7/004

摘要： 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.

摘要翻译： 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。

公开(公告)号：US20050125337A1

公开(公告)日：2005-06-09

申请号：US10730859

申请日：2003-12-09

申请人： Lisa Tidwell ,  Amy Swift ,  Cassandra Mollett ,  Mark Wallin ,  Lance Pate ,  Charles Williams

发明人： Lisa Tidwell ,  Amy Swift ,  Cassandra Mollett ,  Mark Wallin ,  Lance Pate ,  Charles Williams

IPC分类号： G06Q20/00 ,  G06Q30/00 ,  G06Q40/00 ,  G06F17/60

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。

公开(公告)号：US20050125295A1

公开(公告)日：2005-06-09

申请号：US10731294

申请日：2003-12-09

申请人： Lisa Tidwell ,  Amy Swift ,  Cassandra Mollett ,  Mark Wallin ,  Lance Pate ,  Charles Williams

发明人： Lisa Tidwell ,  Amy Swift ,  Cassandra Mollett ,  Mark Wallin ,  Lance Pate ,  Charles Williams

IPC分类号： G06Q20/00 ,  G07D7/00 ,  G06F17/60

CPC分类号： G06Q20/20 ,  G06Q20/042 ,  G06Q20/4014 ,  G06Q20/4016 ,  G07D7/004

摘要： 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.

摘要翻译： 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。

公开(公告)号：US4030312A

公开(公告)日：1977-06-21

申请号：US674641

申请日：1976-04-07

申请人： Mark Wallin ,  Aaron Shantzer, deceased

发明人： Mark Wallin ,  Aaron Shantzer, deceased

IPC分类号： F24F5/00 ,  F25B13/00 ,  F25B29/00 ,  F25B27/00 ,  F25B27/02

CPC分类号： F24F5/0046 ,  F25B13/00 ,  F25B29/00

摘要： A reversible compression type refrigeration system is commonly known as a heat pump for conditioning a space having a conditioning side and a service side. The conditioning side is that area or environment where it is intended to achieve the benefit of the alternate heating and cooling effects produced by the reversible system. The service side is that side from which heat is drawn or to which heat is rejected when the opposite effect is required on the conditioned side. The system includes a conditioning coil connected to the conditioning side for absorbing heat from the space when cooling is required (cooling cycle) and rejecting heat to the space when heating is required (heating cycle); a first "service" coil connected to the service side adapted to reject heat to the outdoor air during system cooling cycles and absorb heat from the outdoor air on heating cycles; a second "service" coil connected to the service side adapted to withdraw direct or stored heat from a liquid stream heated by a solar collector, and reversible means to allow the first service coil to withdraw heat from the outside air under conditions where the supply of direct or stored solar heat intended to be delivered to the second service coil has been exhausted.

摘要翻译： 可逆式压缩式制冷系统通常被称为用于调节具有调节侧和服务侧的空间的热泵。 调理方面是旨在实现可逆系统产生的替代加热和冷却效果的区域或环境。 服务侧是在调节侧需要相反的效果的时候从中抽出热量的那一侧或被拒绝的热量。 该系统包括连接到调节侧的调节线圈，当需要冷却（冷却循环）时从该空间吸收热量并且在需要加热时将热量排除到空间（加热循环）; 连接到服务侧的第一“服务”线圈适于在系统冷却循环期间将热量排除到室外空气，并且在加热循环中从室外空气吸收热量; 连接到服务侧的第二“服务”线圈，其适于从由太阳能收集器加热的液体流中引回或存储热量，以及可逆装置，以允许第一服务线圈在外部空气中提供热量， 要被输送到第二维修线圈的直接或储存的太阳能热已经耗尽。