Patents by Inventor Roy Alan Southard
Roy Alan Southard 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: 10049359Abstract: An identity risk score may be determined for subscribers of a service to indicate a level of confidence or certainty associated with a subscriber's identity. The identity risk score may be modified upward or downward in order to reflect changing levels of certainty. The changes may be based on transactions performed on behalf of and/or information submitted by the subscriber. Functionality provided to the subscriber may also be dependent upon whether the subscriber's identity risk score meets a threshold. In one or more arrangements, an identity risk score may be determined based on whether information entered by the subscriber can be confirmed and a level of confidence with which the information is confirmed.Type: GrantFiled: February 9, 2015Date of Patent: August 14, 2018Assignee: CheckFree CorporationInventors: Paul J. Lyda, Brett V. Borger, James Patrick McCabe, Roy Alan Southard, Hans D. Dreyer
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Publication number: 20150154599Abstract: An identity risk score may be determined for subscribers of a service to indicate a level of confidence or certainty associated with a subscriber's identity. The identity risk score may be modified upward or downward in order to reflect changing levels of certainty. The changes may be based on transactions performed on behalf of and/or information submitted by the subscriber. Functionality provided to the subscriber may also be dependent upon whether the subscriber's identity risk score meets a threshold. In one or more arrangements, an identity risk score may be determined based on whether information entered by the subscriber can be confirmed and a level of confidence with which the information is confirmed.Type: ApplicationFiled: February 9, 2015Publication date: June 4, 2015Inventors: Paul J. Lyda, Brett V. Borger, James Patrick McCabe, Roy Alan Southard, Hans D. Dreyer
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Patent number: 8433659Abstract: Embodiments of the invention may provide systems and methods for determining estimated lead times based on delivery history information to a same or similar geographical area. According to one example embodiment, a method is provided. The method can include identifying a payee and determining that the payee is associated with a geographical area for mailpiece delivery. The method can further include identifying multiple delivery methods for mailpiece delivery to the geographical area, wherein each of delivery methods is associated with (a) a distribution center, (b) a delivery agent, and (c) an estimated lead time determined at least in part by analyzing the delivery history information associated with multiple mailpieces mailed from the respective distribution center to the geographical area via the respective delivery agent. The method can further include selecting one of the delivery methods for mailpiece delivery to the payee and associating the selected delivery method with the payee.Type: GrantFiled: July 20, 2012Date of Patent: April 30, 2013Assignee: Fiserv, Inc.Inventors: Ann Marie Johnston, Robert Charles Esque, Justin Jackson, Brian Richard Seemann, Roy Alan Southard
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Publication number: 20120290475Abstract: Embodiments of the invention may provide systems and methods for determining estimated lead times based on delivery history information to a same or similar geographical area. According to one example embodiment, a method is provided. The method can include identifying a payee and determining that the payee is associated with a geographical area for mailpiece delivery. The method can further include identifying multiple delivery methods for mailpiece delivery to the geographical area, wherein each of delivery methods is associated with (a) a distribution center, (b) a delivery agent, and (c) an estimated lead time determined at least in part by analyzing the delivery history information associated with multiple mailpieces mailed from the respective distribution center to the geographical area via the respective delivery agent. The method can further include selecting one of the delivery methods for mailpiece delivery to the payee and associating the selected delivery method with the payee.Type: ApplicationFiled: July 20, 2012Publication date: November 15, 2012Applicant: FISERV, INC.Inventors: Ann Marie Johnston, Robert Charles Esque, Justin Jackson, Brian Richard Seemann, Roy Alan Southard
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Patent number: 8244646Abstract: Embodiments of the invention may provide systems and methods for determining estimated lead times based on delivery history information to a same or similar geographical area. According to one example embodiment, a method is provided. The method can include identifying a payee and determining that the payee is associated with a geographical area for mailpiece delivery. The method can further include identifying multiple delivery methods for mailpiece delivery to the geographical area, wherein each of delivery methods is associated with (a) a distribution center, (b) a delivery agent, and (c) an estimated lead time determined at least in part by analyzing the delivery history information associated with multiple mailpieces mailed from the respective distribution center to the geographical area via the respective delivery agent. The method can further include selecting one of the delivery methods for mailpiece delivery to the payee and associating the selected delivery method with the payee.Type: GrantFiled: June 9, 2009Date of Patent: August 14, 2012Assignee: Fiserv, Inc.Inventors: Ann Marie Johnston, Robert Charles Esque, Justin Jackson, Brian Richard Seemann, Roy Alan Southard
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Publication number: 20100312715Abstract: Embodiments of the invention may provide systems and methods for selecting delivery methods based at least in part on delivery history information to a same or similar geographical area. According to one example embodiment, a method is provided. The method can include identifying a payee and determining that the payee is associated with a geographical area for mailpiece delivery. The method can further include identifying multiple delivery methods for mailpiece delivery to the geographical area, wherein each of the delivery methods can be associated with at least one delivery factor determined at least in part by analyzing delivery history information associated with multiple mailpieces mailed to the geographical area. The method can further include selecting one of the delivery methods for mailpiece delivery to the payee based at least in part on the at least one delivery factor and associating the selected delivery method with the payee.Type: ApplicationFiled: June 9, 2009Publication date: December 9, 2010Applicant: FISERV, INC.Inventors: Robert Charles Esque, Hans Daniel Dreyer, Justin Jackson, Brian Richard Seemann, Roy Alan Southard
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Publication number: 20100312593Abstract: Embodiments of the invention may provide systems and methods for determining estimated lead times based on delivery history information to a same or similar geographical area. According to one example embodiment, a method is provided. The method can include identifying a payee and determining that the payee is associated with a geographical area for mailpiece delivery. The method can further include identifying multiple delivery methods for mailpiece delivery to the geographical area, wherein each of delivery methods is associated with (a) a distribution center, (b) a delivery agent, and (c) an estimated lead time determined at least in part by analyzing the delivery history information associated with multiple mailpieces mailed from the respective distribution center to the geographical area via the respective delivery agent. The method can further include selecting one of the delivery methods for mailpiece delivery to the payee and associating the selected delivery method with the payee.Type: ApplicationFiled: June 9, 2009Publication date: December 9, 2010Applicant: FISERV, INC.Inventors: Ann Marie Johnston, Robert Charles Esque, Justin Jackson, Brian Richard Seemann, Roy Alan Southard
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Publication number: 20090006230Abstract: An identity risk score may be determined for subscribers of a service to indicate a level of confidence or certainty associated with a subscriber's identity. The identity risk score may be modified upward or downward in order to reflect changing levels of certainty. The changes may be based on transactions performed on behalf of and/or information submitted by the subscriber. Functionality provided to the subscriber may also be dependent upon whether the subscriber's identity risk score meets a threshold. In one or more arrangements, an identity risk score may be determined based on whether information entered by the subscriber can be confirmed and a level of confidence with which the information is confirmed.Type: ApplicationFiled: June 27, 2007Publication date: January 1, 2009Applicant: CHECKFREE CORPORATIONInventors: Paul J. Lyda, Brett V. Borger, James Patrick McCabe, Roy Alan Southard, Hans D. Dreyer
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Publication number: 20080288397Abstract: Systems and methods for updating remittance information associated with a payee are disclosed, where a service provider receives updated remittance information associated with a payee and identifies a database entry associated with the payee that includes preexisting remittance information. The updated remittance information is then stored in association with the database entry as a potential replacement for the preexisting remittance information. A determination is then made as to whether a threshold value has been reached, where the threshold value is associated with a count of the number of times the updated remittance information has been previously received. Upon determining the threshold value has been reached, the preexisting remittance information is replaced with the updated remittance information in the database. The remittance information may include a payee's address or other information useful in directing a payment to the payee.Type: ApplicationFiled: May 16, 2007Publication date: November 20, 2008Applicant: CheckFree CorporationInventor: Roy Alan Southard