Patents by Inventor Lisa Tidwell
Lisa Tidwell has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Patent number: 7925576Abstract: The present invention includes transaction processing systems that process transactions from merchant systems designed to convert the presentation of a transponder device into electronic debits from a checking account. The transaction processing systems also can provide risk assessment, validation or user data and/or MICR data, and/or transaction guarantee services.Type: GrantFiled: June 26, 2002Date of Patent: April 12, 2011Assignees: First Data Corporation, The Western Union CompanyInventors: Amy Swift, Lisa Tidwell, Cassandra Mollett
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Patent number: 7543736Abstract: 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.Type: GrantFiled: February 4, 2008Date of Patent: June 9, 2009Assignee: First Data CorporationInventors: Amy Swift, Lisa Tidwell, Cassandra Mollett
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Publication number: 20080116268Abstract: 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.Type: ApplicationFiled: February 4, 2008Publication date: May 22, 2008Applicants: First Data Corporation, The Western Union CompanyInventors: Amy Swift, Lisa Tidwell, Cassandra Mollett
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Patent number: 7350697Abstract: 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.Type: GrantFiled: August 11, 2006Date of Patent: April 1, 2008Assignees: First Data Corporation, Western UnionInventors: Amy Swift, Lisa Tidwell, Cassandra Mollett
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Publication number: 20080046368Abstract: 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.Type: ApplicationFiled: October 26, 2007Publication date: February 21, 2008Applicant: FIRST DATA CORPORATIONInventors: Lisa Tidwell, Amy Swift, Cassandra Mollett, Mark Wallin, Lance Pate, Charles Williams
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Publication number: 20070000994Abstract: 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.Type: ApplicationFiled: August 31, 2006Publication date: January 4, 2007Inventors: Leslie Michelassi, Lisa Tidwell, Randy Templeton, Sharat Shankar
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Publication number: 20060273165Abstract: 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.Type: ApplicationFiled: August 11, 2006Publication date: December 7, 2006Inventors: Amy Swift, Lisa Tidwell, Cassandra Mollett
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Patent number: 7131571Abstract: 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.Type: GrantFiled: June 26, 2002Date of Patent: November 7, 2006Assignee: First Data CorporationInventors: Amy Swift, Lisa Tidwell, Cassandra Mollett
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Publication number: 20050149440Abstract: 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, positive pay information provides a list of issued checks that a check-issuer authorizes for payment from the check-issuer's check account. The use of positive pay information may thus reduce the acceptance of fraudulent checks. In various embodiments, a check authentication system provides access to desired positive pay or other reconcilement information using one or more routing tables that allow the check authentication system to efficiently and accurately locate desired positive pay information, which may be stored internally or externally to the check authentication system.Type: ApplicationFiled: December 23, 2003Publication date: July 7, 2005Inventors: Leslie Michelassi, Lisa Tidwell, Randy Templeton, Sharat Shankar
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Publication number: 20050137982Abstract: Systems and methods are described for collectively assessing positive pay or other reconcilement information associated with a check or other negotiable instrument presented to a check-cashing entity for acceptance. In response to a request for authentication information about a check or other negotiable instrument, a check authentication system polls at least one source of reconcilement information. Systems and methods are described for collectively assessing and resolving any conflicts within the obtained reconcilement information in order to determine a result for reporting to a check-cashing entity requesting the information. In various embodiments, conflicts are resolved, taking into consideration general characteristics associated with reconcilement information and/or rules agreed upon by the check authentication system and the check-cashing entity.Type: ApplicationFiled: December 23, 2003Publication date: June 23, 2005Inventors: Leslie Michelassi, Lisa Tidwell, Randy Templeton, Sharat Shankar
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Publication number: 20050137951Abstract: 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 to a check-cashing entity 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 sources of reconcilement information are identified for querying in association with a proposed check-cashing transaction, a decision regarding how many of the sources to query and/or how long to continue to query may be based at least in part on 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.Type: ApplicationFiled: December 23, 2003Publication date: June 23, 2005Inventors: Leslie Michelassi, Lisa Tidwell, Randy Templeton, Sharat Shankar
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Publication number: 20050133587Abstract: 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.Type: ApplicationFiled: December 23, 2003Publication date: June 23, 2005Inventors: Leslie Michelassi, Lisa Tidwell, Randy Templeton, Sharat Shankar
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Publication number: 20050125337Abstract: 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.Type: ApplicationFiled: December 9, 2003Publication date: June 9, 2005Inventors: Lisa Tidwell, Amy Swift, Cassandra Mollett, Mark Wallin, Lance Pate, Charles Williams
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Publication number: 20050125296Abstract: 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.Type: ApplicationFiled: December 9, 2003Publication date: June 9, 2005Inventors: Lisa Tidwell, Amy Swift, Cassandra Mollett, Mark Wallin, Lance Pate, Charles Williams
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Publication number: 20050125295Abstract: 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.Type: ApplicationFiled: December 9, 2003Publication date: June 9, 2005Inventors: Lisa Tidwell, Amy Swift, Cassandra Mollett, Mark Wallin, Lance Pate, Charles Williams
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Publication number: 20050125338Abstract: 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.Type: ApplicationFiled: December 9, 2003Publication date: June 9, 2005Inventors: Lisa Tidwell, Amy Swift, Cassandra Mollett, Mark Wallin, Lance Pate, Charles Williams
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Publication number: 20050125351Abstract: 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.Type: ApplicationFiled: December 9, 2003Publication date: June 9, 2005Inventors: Lisa Tidwell, Amy Swift, Cassandra Mollett, Mark Wallin, Lance Pate, Charles Williams
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Publication number: 20050125339Abstract: 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.Type: ApplicationFiled: December 9, 2003Publication date: June 9, 2005Inventors: Lisa Tidwell, Amy Swift, Cassandra Mollett, Mark Wallin, Lance Pate, Charles Williams
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Publication number: 20050125350Abstract: 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.Type: ApplicationFiled: December 9, 2003Publication date: June 9, 2005Inventors: Lisa Tidwell, Amy Swift, Cassandra Mollett, Mark Wallin, Lance Pate, Charles Williams
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Publication number: 20050125360Abstract: 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.Type: ApplicationFiled: December 9, 2003Publication date: June 9, 2005Inventors: Lisa Tidwell, Amy Swift, Cassandra Mollett, Mark Wallin, Lance Pate, Charles Williams