Patents by Inventor Larry W. Spooner

Larry W. Spooner 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).

  • MULTI-DATABASE SYSTEM FOR STORING DATA FROM MULTIPLE DATA SOURCES
    Publication number: 20180189870
    Abstract: A plurality of banks of first deposit provide checking account activity data for both transit items (checks received for deposit that need to be cleared) and incoming returns (bounced checks) to a statistical model which determines from the data the likelihood that a check from a specific checking account will be returned. This data is used to populate a database of checking accounts to be used for making check risk decisions, such as check hold policy decisions, check acceptance decisions, and open to buy decisions.
    Type: Application
    Filed: November 30, 2017
    Publication date: July 5, 2018
    Inventors: Laura E. Weinflash, Larry W. Spooner
  • DATABASE FOR CHECK RISK DECISIONS POPULATED WITH CHECK ACTIVITY DATA FROM BANKS OF FIRST DEPOSIT
    Publication number: 20140032385
    Abstract: A plurality of banks of first deposit provide checking account activity data for both transit items (checks received for deposit that need to be cleared) and incoming returns (bounced checks) to a statistical model which determines from the data the likelihood that a check from a specific checking account will be returned. This data is used to populate a database of checking accounts to be used for making check risk decisions, such as check hold policy decisions, check acceptance decisions, and open to buy decisions.
    Type: Application
    Filed: July 22, 2013
    Publication date: January 30, 2014
    Applicant: Early Warning Services, LLC
    Inventors: Laura E. Weinflash, Larry W. Spooner
  • Database for check risk decisions populated with check activity data from banks of first deposit
    Patent number: 8510224
    Abstract: A plurality of banks of first deposit provide checking account activity data for both transit items (checks received for deposit that need to be cleared) and incoming returns (bounced checks) to a statistical model which determines from the data the likelihood that a check from a specific checking account will be returned. This data is used to populate a database of checking accounts to be used for making check risk decisions, such as check hold policy decisions, check acceptance decisions, and open to buy decisions.
    Type: Grant
    Filed: May 23, 2008
    Date of Patent: August 13, 2013
    Assignee: Early Warning Services, LLC
    Inventors: Laura E. Weinflash, Larry W. Spooner
  • DATABASE FOR CHECK RISK DECISIONS POPULATED WITH CHECK ACTIVITY DATA FROM BANKS OF FIRST DEPOSIT
    Publication number: 20080294541
    Abstract: A plurality of banks of first deposit provide checking account activity data for both transit items (checks received for deposit that need to be cleared) and incoming returns (bounced checks) to a statistical model which determines from the data the likelihood that a check from a specific checking account will be returned. This data is used to populate a database of checking accounts to be used for making check risk decisions, such as check hold policy decisions, check acceptance decisions, and open to buy decisions.
    Type: Application
    Filed: May 23, 2008
    Publication date: November 27, 2008
    Applicant: Early Warning Services, LLC
    Inventors: Laura E. Weinflash, Larry W. Spooner
  • Database for check risk decisions populated with check activity data from banks of first deposit
    Patent number: 7383227
    Abstract: A plurality of banks of first deposit provide checking account activity data for both transit items (checks received for deposit that need to be cleared) and incoming returns (bounced checks) to a statistical model which determines from the data the likelihood that a check from a specific checking account will be returned. This data is used to populate a database of checking accounts to be used for making check risk decisions, such as check hold policy decisions, check acceptance decisions, and open to buy decisions.
    Type: Grant
    Filed: May 14, 2002
    Date of Patent: June 3, 2008
    Assignee: Early Warning Services, LLC
    Inventors: Laura E. Weinflash, Larry W. Spooner
  • Database for check risk decisions populated with check activity data from banks of first deposit
    Publication number: 20030217003
    Abstract: A plurality of banks of first deposit provide checking account activity data for both transit items (checks received for deposit that need to be cleared) and incoming returns (bounced checks) to a statistical model which determines from the data the likelihood that a check from a specific checking account will be returned. This data is used to populate a database of checking accounts to be used for making check risk decisions, such as check hold policy decisions, check acceptance decisions, and open to buy decisions.
    Type: Application
    Filed: May 14, 2002
    Publication date: November 20, 2003
    Applicant: Primary Payment Systems, Inc.
    Inventors: Laura E. Weinflash, Larry W. Spooner