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    Systems and methods for assessing the risk of financial transaction using geographic-related information
    9.
    发明申请
    Systems and methods for assessing the risk of financial transaction using geographic-related information 审中-公开
    使用地理相关信息评估金融交易风险的系统和方法

    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。

    Systems and methods for assessing the risk of a financial transaction using reconciliation information
    10.
    发明申请
    Systems and methods for assessing the risk of a financial transaction using reconciliation information 审中-公开
    使用对账信息评估金融交易风险的系统和方法

    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。