Patents by Inventor Dyron Clower
Dyron Clower 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: 11941632Abstract: A real-time system and method for invoking a fraud alert notification to a bank prompted by an abandoned deposit following a denied accelerated funding request for a financial item.Type: GrantFiled: October 9, 2019Date of Patent: March 26, 2024Inventors: Dyron Clower, John Templer, La Shonna Sharp, Aaron Calipari, Michael Ring, Michael Serrette, Nickolas Ledford, Lawrence Dugger, Rodney Drake, Diana Hayes
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Publication number: 20200320536Abstract: A system and method for determining whether to accelerate the funding of a financial item presented by a holder of the item for payment. A first risk range value is calculated according to stored transaction history data associated with at least one attribute of the presented financial item and a second risk range value is calculated if the transaction does not meet the criteria of the calculated first risk range value.Type: ApplicationFiled: June 17, 2020Publication date: October 8, 2020Inventors: Dyron Clower, John Templer, La Shonna Sharp, Aaron Calipari, Michael Ring
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Publication number: 20200175519Abstract: A system and method for determining whether to accelerate the funding of a financial item presented by a holder of the item for payment. A first risk range value is calculated according to stored transaction history data associated with at least one attribute of the presented financial item and a second risk range value is calculated if the transaction does not meet the criteria of the calculated first risk range value.Type: ApplicationFiled: January 29, 2020Publication date: June 4, 2020Inventors: Dyron CLOWER, John TEMPLER, La Shonna SHARP, Aaron CALIPARI, Michael RING
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Publication number: 20200082407Abstract: A real-time system and method for invoking a fraud alert notification to a bank prompted by an abandoned deposit following a denied accelerated funding request for a financial item.Type: ApplicationFiled: October 9, 2019Publication date: March 12, 2020Inventors: Dyron Clower, John Templer, La Shonna Sharp, Aaron Calipari, Michael Ring, Michael Serrette, Nickolas Ledford, Lawrence Dugger, Rodney Drake, Diana Hayes
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Publication number: 20170270496Abstract: A real-time system and method for determining whether to invoke a fraud alert notification to a bank concerning an account holder or an item issuer following an interim determination that the account holder or item issuer has participated in a fraudulent transaction. An interim determination is updated based in part on bank transaction data received following the interim determination.Type: ApplicationFiled: May 22, 2017Publication date: September 21, 2017Inventors: Dyron Clower, John Templer, La Shonna Sharp, Aaron Calipari, Michael Ring, Michael Serrette, Nickolas Ledford, Lawrence Dugger, Rodney Drake, Diana Hayes
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Publication number: 20170011404Abstract: A system and method for determining whether to accelerate the funding of a financial item presented by a holder of the item for payment. A first risk range value is calculated according to stored transaction history data associated with at least one attribute of the presented financial item and a second risk range value is calculated if the transaction does not meet the criteria of the calculated first risk range value.Type: ApplicationFiled: July 8, 2016Publication date: January 12, 2017Inventors: Dyron Clower, John Templer, La Shonna Sharp, Aaron Calipari, Michael Ring
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Patent number: 6856965Abstract: An automated check-cashing unit includes an input device configured to generate input signals in response to inputs from a customer, a storage device including a database of customer information, a check reader configured to receive and read a check to be processed, a cash dispenser, and an electronic processor. The processor is configured to receive the input signals from the input device, receive information about the check to be processed from the check reader, access the database of customer information to obtain data about the customer, and determine automatically whether to accept or reject the check based on the input signals, the received information about the check, and the data about the customer. Upon accepting the check, the processor signals the cash dispenser to dispense cash to the customer. The processor may be further configured to confirm the identity of the customer based on biometric information about the customer.Type: GrantFiled: June 28, 1999Date of Patent: February 15, 2005Assignee: ATC Realty Fifteen, Inc.Inventors: Michael C. Stinson, John W. Templer, Jr., Dyron Clower
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Patent number: 6786398Abstract: An automated check-cashing unit includes an input device configured to generate input signals in response to inputs from a customer, a storage device including a database of customer information, a check reader configured to receive and read a check to be processed, a cash dispenser, and an electronic processor. The processor is configured to receive the input signals from the input device, receive information about the check to be processed from the check reader, access the database of customer information to obtain data about the customer, and determine automatically whether to accept or reject the check based on the input signals, the received information about the check, and the data about the customer. Upon accepting the check, the processor signals the cash dispenser to dispense cash to the customer. The processor may be further configured to confirm the identity of the customer based on biometric information about the customer.Type: GrantFiled: February 28, 2000Date of Patent: September 7, 2004Assignee: ATC Realty FIfteen, Inc.Inventors: Michael C. Stinson, John W. Templer, Jr., Dyron Clower
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Patent number: 6695204Abstract: An automated check-cashing unit includes an input device configured to generate input signals in response to inputs from a customer, a storage device including a database of customer information, a check reader configured to receive and read a check to be processed, a cash dispenser, and an electronic processor. The processor is configured to receive the input signals from the input device, receive information about the check to be processed from the check reader, access the database of customer information to obtain data about the customer, and determine automatically whether to accept or reject the check based on the input signals, the received information about the check, and the data about the customer. Upon accepting the check, the processor signals the cash dispenser to dispense cash to the customer. The processor may be further configured to confirm the identity of the customer based on biometric information about the customer.Type: GrantFiled: March 17, 2000Date of Patent: February 24, 2004Assignee: ATC Realty Fifteen, Inc.Inventors: Michael C. Stinson, John W. Templer, Jr., Dyron Clower
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Patent number: 6286756Abstract: A cardless automated financial transaction apparatus includes an input device configured to generate an input signal corresponding to a customer identifier in response to actuation of the input device by a customer, a biometric device configured to receive biometric information about the customer, a storage device including a database of customer information, the customer information including stored biometric information, a connection to a banking network provider, and an electronic processor. The processor is configured to receive the input signals from the input device, receive biometric information from the biometric device, and access the database of customer information in response to the input signals to obtain data about the customer identified by the customer identifier, the data including stored biometric information for the customer.Type: GrantFiled: February 28, 2000Date of Patent: September 11, 2001Assignee: InnoVentry CorporationInventors: Michael C. Stinson, John W. Templer, Jr., Dyron Clower
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Patent number: 6149056Abstract: An automated check-cashing unit includes an input device configured to generate input signals in response to inputs from a customer, a storage device including a database of customer information, a check reader configured to receive and read a check to be processed, a cash dispenser, and an electronic processor. The processor is configured to receive the input signals from the input device, receive information about the check to be processed from the check reader, access the database of customer information to obtain data about the customer, and determine automatically whether to accept or reject the check based on the input signals, the received information about the check, and the data about the customer. Upon accepting the check, the processor signals the cash dispenser to dispense cash to the customer. The processor may be further configured to confirm the identity of the customer based on biometric information about the customer.Type: GrantFiled: May 12, 1997Date of Patent: November 21, 2000Assignee: Mr. Payroll CorporationInventors: Michael C. Stinson, John W. Templer, Jr., Dyron Clower
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Patent number: 6145738Abstract: An automated check-cashing unit includes an input device configured to generate input signals in response to inputs from a customer, a storage device including a database of customer information, a check reader configured to receive and read a check to be processed, a cash dispenser, and an electronic processor. The processor is configured to receive the input signals from the input device, receive information about the check to be processed from the check reader, access the database of customer information to obtain data about the customer, and determine automatically whether to accept or reject the check based on the input signals, the received information about the check, and the data about the customer. Upon accepting the check, the processor signals the cash dispenser to dispense cash to the customer. The processor may be further configured to confirm the identity of the customer based on biometric information about the customer.Type: GrantFiled: May 12, 1997Date of Patent: November 14, 2000Assignee: Mr. Payroll CorporationInventors: Michael C. Stinson, John W. Templer, Jr., Dyron Clower
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Patent number: 6045039Abstract: A cardless automated financial transaction apparatus includes an input device configured to generate an input signal corresponding to a customer identifier in response to actuation of the input device by a customer, a biometric device configured to receive biometric information about the customer, a storage device including a database of customer information, the customer information including stored biometric information, a connection to a banking network provider, and an electronic processor. The processor is configured to receive the input signals from the input device, receive biometric information from the biometric device, and access the database of customer information in response to the input signals to obtain data about the customer identified by the customer identifier, the data including stored biometric information for the customer.Type: GrantFiled: October 16, 1997Date of Patent: April 4, 2000Assignee: Mr. Payroll CorporationInventors: Michael C. Stinson, John W. Templer, Jr., Dyron Clower