CHARLES STUART WILLIAMS
Pilots at County Rd 130, Pearland, TX

7398925, Jul 15, 2008

Dec 9, 2003

10/731401

Lisa C. Tidwell - Houston TX, US
Amy L. Swift - Frisco TX, US
Cassandra Mollett - Houston TX, US
Mark Wallin - Sugar Land TX, US
Lance D. Pate - Victoria TX, US
Charles R. Williams - Pearland TX, US

First Data Corporation - Greenwood Village CO

G06K 7/00

235440, 235449

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.

2005012, Jun 9, 2005

Dec 9, 2003

10/730868

Lisa Tidwell - Houston TX, US
Amy Swift - Frisco TX, US
Cassandra Mollett - Houston TX, US
Mark Wallin - Sugar Land TX, US
Lance Pate - Victoria TX, US
Charles Williams - Pearland TX, US

G06F017/60

705065000

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.

7945494, May 17, 2011

Dec 23, 2003

10/746849

Charles Williams - Pearland TX, US

First Data Corporation - Greenwood Village CO

G06Q 40/00

705 35, 705 39, 705 40

The present teachings describe a system for processing financial transactions. In one embodiment, the system includes a remote terminal adapted to identify the location of financial transactions via global positioning system (GPS) information such that the remote terminal acquires transaction information from a user and transmits a first signal indicative of transaction information and GPS information. In addition, the system includes an authorizing host adapted to receive the first signal transmitted by the remote terminal such that the authorizing host evaluates the risk associated with financial transactions based, at least in part, on the GPS information so as to determine whether to accept or decline the financial transaction. The present teachings further describe devices and methods of acquiring GPS information for the purpose of managing risk for financial transactions.

7152788, Dec 26, 2006

Sep 19, 2005

11/230233

Charles Williams - Pearland TX, US

G06K 5/00, G07F 19/00, G06Q 20/00

235380, 235379, 705 16, 705 17

The present teachings describe a system for processing financial transactions. In one embodiment, the system includes a remote terminal adapted to identify the location of financial transactions via global positioning system (GPS) information such that the remote terminal acquires transaction information from a user and transmits a first signal indicative of transaction information and GPS information. In addition, the system includes an authorizing host adapted to receive the first signal transmitted by the remote terminal such that the authorizing host evaluates the risk associated with financial transactions based, at least in part, on the GPS information so as to determine whether to accept or decline the financial transaction. The present teachings further describe devices and methods of acquiring GPS information for the purpose of managing risk for financial transactions.

2005012, Jun 9, 2005

Dec 9, 2003

10/731212

Lisa Tidwell - Houston TX, US
Amy Swift - Frisco TX, US
Cassandra Mollett - Houston TX, US
Mark Wallin - Sugar Land TX, US
Lance Pate - Victoria TX, US
Charles Williams - Pearland TX, US

G06F017/60

705042000, 705044000

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.

7905396, Mar 15, 2011

Oct 26, 2007

11/925629

Lisa C. Tidwell - Houston TX, US
Amy L. Swift - Frisco TX, US
Cassandra Mollett - Houston TX, US
Mark Wallin - Sugar Land TX, US
Lance Pate - Victoria TX, US
Charles R. Williams - Pearland TX, US

First Data Corporation - Greenwood Village CO

G06K 5/00

235379, 235380

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.

2005012, Jun 9, 2005

Dec 9, 2003

10/731038

Lisa Tidwell - Houston TX, US
Amy Swift - Frisco TX, US
Cassandra Mollett - Houston TX, US
Mark Wallin - Sugar Land TX, US
Lance Pate - Victoria TX, US
Charles Williams - Pearland TX, US

G06F017/60

705039000, 705001000

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.

7853521, Dec 14, 2010

Dec 23, 2003

10/746557

Charles Williams - Pearland TX, US

The Western Union Company - Englewood CO

G06Q 40/00, G06K 5/00

705 39, 235379, 235380

The present teachings describe a system for processing financial transactions. In one embodiment, the system includes a remote terminal adapted to identify the location of financial transactions via global positioning system (GPS) information such that the remote terminal acquires transaction information from a user and transmits a first signal indicative of transaction information and GPS information. In addition, the system includes an authorizing host adapted to receive the first signal transmitted by the remote terminal such that the authorizing host evaluates the risk associated with financial transactions based, at least in part, on the GPS information so as to determine whether to accept or decline the financial transaction. The present teachings further describe devices and methods of acquiring GPS information for the purpose of managing risk for financial transactions.

2005012, Jun 9, 2005

Dec 9, 2003

10/731519

Lisa Tidwell - Houston TX, US
Amy Swift - Frisco TX, US
Cassandra Mollett - Houston TX, US
Mark Wallin - Sugar Land TX, US
Lance Pate - Victoria TX, US
Charles Williams - Pearland TX, US

G06F017/60

705016000

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.

7783563, Aug 24, 2010

Dec 9, 2003

10/730859

Lisa C. Tidwell - Houston TX, US
Amy L. Swift - Frisco TX, US
Cassandra Mollett - Houston TX, US
Mark Wallin - Sugar Land TX, US
Lance D. Pate - Victoria TX, US
Charles R. Williams - Pearland TX, US

First Data Corporation - Greenwood Village CO

G06Q 40/00

705 38

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.