Lance Deese Pate

US Patent:

7287689, Oct 30, 2007

Filed:

Dec 9, 2003

Appl. No.:

10/731540

Inventors:

Lisa C. Tidwell - Houston TX, US
Amy L. Swift - Frisco TX, US
Cassandra Mollett - Houston TX, US
Mark Wallin - Sugar Land TX, US
Lance D. Pate - Victoria TX, US
Charles R. Williams - Pearland TX, US

Assignee:

First Data Corporation - Greenwood Village CO

International Classification:

G06K 5/00

US Classification:

235379, 235380

Abstract:

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.

US Patent:

7398925, Jul 15, 2008

Filed:

Dec 9, 2003

Appl. No.:

10/731401

Inventors:

Lisa C. Tidwell - Houston TX, US
Amy L. Swift - Frisco TX, US
Cassandra Mollett - Houston TX, US
Mark Wallin - Sugar Land TX, US
Lance D. Pate - Victoria TX, US
Charles R. Williams - Pearland TX, US

Assignee:

First Data Corporation - Greenwood Village CO

International Classification:

G06K 7/00

US Classification:

235440, 235449

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.

US Patent:

7500599, Mar 10, 2009

Filed:

Jul 16, 2007

Appl. No.:

11/778519

Inventors:

Amy Swift - Frisco TX, US
Mark Wallin - Sugar Land TX, US
Lance Pate - Victoria TX, US

Assignee:

First Data Corporation - Greenwood Village CO

International Classification:

G07F 19/00

US Classification:

235379, 235380, 235382, 235383

Abstract:

Most financial transactions involving check deposits and cashing at automatic teller machines are often associated with high risk. Although conventional security measures for many automatic teller machines record financial transactions, the recorded events are typically viewed after suspicious or criminal activity has already occurred. Therefore, a financial institution may not know in advance whether requested financial transactions are of suspicious or fraudulent intent. The present teachings relate to a method of scoring customers prior to authorization in a manner so as to identify suspicious behavior or suspicious activity. The method also relates to marking suspicious individuals by storing related transaction information, such as biometric data, in a database for purposes of verifying identification information and scoring the validity of future financial transactions.

US Patent:

7783563, Aug 24, 2010

Filed:

Dec 9, 2003

Appl. No.:

10/730859

Inventors:

Lisa C. Tidwell - Houston TX, US
Amy L. Swift - Frisco TX, US
Cassandra Mollett - Houston TX, US
Mark Wallin - Sugar Land TX, US
Lance D. Pate - Victoria TX, US
Charles R. Williams - Pearland TX, US

Assignee:

First Data Corporation - Greenwood Village CO

International Classification:

G06Q 40/00

US Classification:

705 38

Abstract:

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.

US Patent:

7905396, Mar 15, 2011

Filed:

Oct 26, 2007

Appl. No.:

11/925629

Inventors:

Lisa C. Tidwell - Houston TX, US
Amy L. Swift - Frisco TX, US
Cassandra Mollett - Houston TX, US
Mark Wallin - Sugar Land TX, US
Lance Pate - Victoria TX, US
Charles R. Williams - Pearland TX, US

Assignee:

First Data Corporation - Greenwood Village CO

International Classification:

G06K 5/00

US Classification:

235379, 235380

Abstract:

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.

US Patent:

8471563, Jun 25, 2013

Filed:

Jan 6, 2010

Appl. No.:

12/653000

Inventors:

Macmillan M. Wisler - Kingwood TX, US
Larry W. Thompson - Willis TX, US
Jian-Qun Wu - Kingwood TX, US
Lance Pate - Spring TX, US

Assignee:

Precision Energy Services, Inc. - Fort Worth TX

International Classification:

G01V 3/00
G01V 3/18

US Classification:

324356, 324346, 324366, 702 9

Abstract:

A steerable, magnetic dipole antenna for Measurement-While-Drilling (MWD) or Logging-While-Drilling (LWD) applications. The antenna elements use a hole arrangement in addition to grooves in a steel tool body, which is typically a drill collar. This antenna embodiment is extremely robust, meaning that does not significantly reduce the structural integrity of the tool body in which it is disposed. The antenna embodiment is also relatively wear resistant. The resultant magnetic dipole generated by this antenna is also electrically steerable in inclination angle from a common origin. A variable dipole moment inclination angle combined with independently measured tool rotation orientation during normal drilling allows the antenna to generate a magnetic dipole moment that may be directed at any three dimensional angle and from a common origin point at the centroid of the antenna. The antenna can also be embodied to be more sensitive to resitivity in a particular azimuthal direction.

US Patent:

8604796, Dec 10, 2013

Filed:

Apr 12, 2011

Appl. No.:

13/084856

Inventors:

Macmillan M. Wisler - Kingwood TX, US
Larry W. Thompson - Conroe TX, US
Jian-Qun Wu - Kingwood TX, US
Lance Pate - Spring TX, US

Assignee:

Precision Energy Services, Inc. - Forth Worth TX

International Classification:

G01V 3/00

US Classification:

324346, 324345, 324351, 324355

Abstract:

A steerable or non-steerable, magnetic dipole antenna for Measurement-While-Drilling (MWD) or Logging-While-Drilling (LWD) applications. The antenna elements use a hole arrangement in addition to grooves in a steel tool body, which is typically a drill collar. This antenna embodiment is extremely robust, meaning that does not significantly reduce the structural integrity of the tool body in which it is disposed. The antenna embodiment is also relatively wear resistant. The resultant magnetic dipole generated by this antenna is also electrically steerable in inclination angle from a common origin. A variable dipole moment inclination angle combined with independently measured tool rotation orientation during normal drilling allows the antenna to generate a magnetic dipole moment that may be directed at any three dimensional angle and from a common origin point at the centroid of the antenna. The antenna can also be embodied to be more sensitive to resistivity in a particular azimuthal direction.

US Patent:

20040245330, Dec 9, 2004

Filed:

Mar 31, 2004

Appl. No.:

10/813915

Inventors:

Amy Swift - Frisco TX, US
Mark Wallin - Sugar Land TX, US
Lance Pate - Victoria TX, US

International Classification:

G06F017/60

US Classification:

235/379000

Abstract:

Most financial transactions involving check deposits and cashing at automatic teller machines are often associated with high risk. Although conventional security measures for many automatic teller machines record financial transactions, the recorded events are typically viewed after suspicious or criminal activity has already occurred. Therefore, a financial institution may not know in advance whether requested financial transactions are of suspicious or fraudulent intent. The present teachings relate to a method of scoring customers prior to authorization in a manner so as to identify suspicious behavior or suspicious activity. The method also relates to marking suspicious individuals by storing related transaction information, such as biometric data, in a database for purposes of verifying identification information and scoring the validity of future financial transactions.