Registers – Coded record sensors – Particular sensor structure
Reexamination Certificate
2008-07-15
2008-07-15
Caputo, Lisa M (Department: 2876)
Registers
Coded record sensors
Particular sensor structure
C235S449000
Reexamination Certificate
active
07398925
ABSTRACT:
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.
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Mollett Cassandra
Pate Lance D.
Swift Amy L.
Tidwell Lisa C.
Wallin Mark
Caputo Lisa M
First Data Corporation
Townsend and Townsend / and Crew LLP
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