公开(公告)号：US20050125350A1

公开(公告)日：2005-06-09

申请号：US10731212

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 ,  G06Q40/00 ,  G07F19/00 ,  G06F17/60

CPC分类号： G06Q40/08 ,  G06Q20/04 ,  G06Q20/042 ,  G06Q20/108 ,  G06Q20/40 ,  G06Q20/4016 ,  G06Q20/403 ,  G07F19/20 ,  G07F19/202

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 location-related information about an issuer of a second-party check being presented for cashing in order to better assess the legitimacy and cashability of the check. In various embodiments, information about the proximity of the check issuer to the check cashing location is used to enhance risk assessment of the check item. In various embodiments, location-based information about a check may be expressed as a gradated location-based risk score. In various embodiments, the location-based 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 risk scores 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。 这些系统和方法利用与第二方支票的发行人进行兑现以便更好地评估支票的合法性和可现金性的位置相关信息。 在各种实施例中，使用关于支票发行者与支票兑现位置的接近度的信息来增强支票项目的风险评估。 在各种实施例中，关于支票的基于位置的信息可以表示为基于位置的分级风险评分。 在各种实施例中，基于位置的风险评分可以与描述支票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分数。 在一些实施例中，风险分数可用于为交易产生接受/拒绝建议。

公开(公告)号：US20050125338A1

公开(公告)日：2005-06-09

申请号：US10731038

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 ,  G06Q20/10

摘要： Systems and methods are described for better assessing risk associated with cashing second-party checks and other negotiable instruments using positive pay or other reconciliation information about a check presented for cashing. Positive pay information, which may be made available by a check issuer, provides a list of checks that have been, for example, issued and not yet cashed, already cashed, voided, stolen, and the like, thus providing an indication of whether the check issuer is willing to honor the checks. In various embodiments, positive pay information about a check may be expressed as a gradated positive pay risk score. In various embodiments, the positive pay 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，以便更好地评估与使用支付或其他对账信息相关的第二方支票和其他可转让票据的相关风险，以提供兑现支票。 支票发行人可以提供的积极的支付信息提供已经兑现，尚未兑现，已经兑现，失效，被盗等的支票清单，从而提供指示是否 支票发行人愿意兑现支票。 在各种实施例中，关于支票的积极支付信息可以被表示为分级正的工资风险评分。 在各种实施例中，积极的工资风险分数可以与描述支票兑现交易的其他方面的风险分数相结合，以计算整个交易的风险分数。 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：US20050125351A1

公开(公告)日：2005-06-09

申请号：US10731540

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： G06Q30/00 ,  G06F17/60

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：US20050125296A1

公开(公告)日：2005-06-09

申请号：US10731519

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 biometric information from an individual presenting a second-party check in association with a proposed check-cashing transaction. In various embodiments, a biometric sample is obtained from the check presenter and is compared to stored biometric data in order to enhance an assessment of the correct identification of the check presenter. In various embodiments, the biometric information, along with other transaction-related information, such as information about one or more authentication marks from the check, is transmitted to a check authorization system for a risk assessment of the transaction. In various embodiments, the point-of-sale device may receive an accept/decline recommendation from the check authorization system, based at least in part on the biometric information and may display a message about the recommendation to an operator of the point-of-sale device.

摘要翻译： 描述了使用销售点设备从提出的支票兑现交易相关联的呈现第二方支票的个人获得生物特征信息的系统和方法。 在各种实施例中，从检查提示者获得生物测定样本，并将其与存储的生物特征数据进行比较，以便增强对检查提示者的正确识别的评估。 在各种实施例中，生物特征信息连同其他交易相关信息（诸如关于来自支票的一个或多个认证标记的信息）被传送到支票授权系统以进行交易的风险评估。 在各种实施例中，销售点设备可以至少部分地基于生物特征信息从支票授权系统接收接受/拒绝建议，并且可以向运营商显示有关该建议的消息， 销售设备。

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：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：US20080046368A1

公开(公告)日：2008-02-21

申请号：US11925629

申请日：2007-10-26

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

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：US20080011824A1

公开(公告)日：2008-01-17

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： G06Q40/00

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。