| Early Warning Services, LLC Patent applications |
| Patent application number | Title | Published |
|---|
| 20110231312 | PAYMENT ACCOUNT MONITORING SYSTEM AND METHOD - A network includes an account status system for checking the status of checking accounts used to make payments, and a payment account monitoring system that includes linking files that store, for individual credit card accounts, the account numbers for checking accounts used to pay the credit card accounts. The monitoring system periodically retrieves checking account numbers from the linking files and checks the account numbers at the status system. If a negative status is indicated at the status system, an alert is provided to the credit card company. | 09-22-2011 |
| 20090313069 | Identity Verification Systems and Methods - Systems and methods are disclosed for verifying customer identifications. In one embodiment, the method comprises receiving, at a transaction gateway, a communication associated with a transaction initiated by a customer; determining the communication includes an identity verification request to verify encoded data obtained from an identification presented by the customer; routing the identity verification request to an identity verification service; receiving, from the identity verification service, a result including one or more identification values obtained from the encoded data; and transmitting the result to a requester associated with the communication. | 12-17-2009 |
| 20090132393 | SYSTEM AND METHOD FOR EXPEDITED RELEASE OF HELD ITEMS - A system for identifying and expediting the release of held items, such as checks. Paying banks (having accounts against which the checks are drawn) provide paid item files to the system, and depository banks (where checks have been deposited) provide held item files to the system. If there is a match of a paid item file and held item file (indicating that a held check has been paid by the paying bank), the depository bank is notified that the item has been paid and that the hold may be released. | 05-21-2009 |
| 20090012889 | PAYMENT ACCOUNT MONITORING SYSTEM AND METHOD - A network includes an account status system for checking the status of checking accounts used to make payments, and a payment account monitoring system that includes linking files that store, for individual credit card accounts, the account numbers for checking accounts used to pay the credit card accounts. The monitoring system periodically retrieves checking account numbers from the linking files and checks the account numbers at the status system. If a negative status is indicated at the status system, an alert is provided to the credit card company. | 01-08-2009 |
| 20080294541 | DATABASE FOR CHECK RISK DECISIONS POPULATED WITH CHECK ACTIVITY DATA FROM BANKS OF FIRST DEPOSIT - 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. | 11-27-2008 |
