发明名称 |
DATABASE FOR CHECK RISK DECISIONS POPULATED WITH CHECK ACTIVITY DATA FROM BANKS OF FIRST DEPOSIT |
摘要 |
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. |
申请公布号 |
US2014032385(A1) |
申请公布日期 |
2014.01.30 |
申请号 |
US201313947271 |
申请日期 |
2013.07.22 |
申请人 |
EARLY WARNING SERVICES, LLC |
发明人 |
WEINFLASH LAURA E.;SPOONER LARRY W. |
分类号 |
G06Q40/00 |
主分类号 |
G06Q40/00 |
代理机构 |
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代理人 |
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主权项 |
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地址 |
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