Lisa Louise Tidwell, Age 594606 Lochshin Dr, Houston, TX 77084
Lisa Tidwell Phones & Addresses
16160 Kieth Harrow Blvd, Houston, TX 77084
2003 Bentvine Dr, Houston, TX 77084
Santa Ana, CA
Mentions for Lisa Louise Tidwell
Publications & IP owners
Us Patents
Alternative Payment Devices Using Electronic Check Processing As A Payment Mechanism
US Patent:
7131571, Nov 7, 2006
Filed:
Jun 26, 2002
Appl. No.:
10/184030
Inventors:
Amy Swift - Albuquerque NM, US
Lisa Tidwell - Houston TX, US
Cassandra Mollett - Houston TX, US
Lisa Tidwell - Houston TX, US
Cassandra Mollett - Houston TX, US
Assignee:
First Data Corporation - Greenwood Village CO
International Classification:
G06F 17/00
G06F 17/60
G06K 5/00
G06F 17/60
G06K 5/00
US Classification:
235375, 235379, 235380, 705 16, 705 17, 705 39
Abstract:
The present invention includes a merchant system that recognizes virtually any payment device or technology that uses electronic check processing as a payment mechanism. For example, the merchant system associates presentation of the payment device with information used to electronically debit a checking account, such as MICR data, and submits the same to a transaction processor capable of settling electronic debit transactions.
Systems And Methods For Assessing The Risk Of A Financial Transaction Using Authenticating Marks
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
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.
Systems And Methods For Prioritizing Reconcilement Information Searches
US Patent:
7347362, Mar 25, 2008
Filed:
Aug 31, 2006
Appl. No.:
11/513795
Inventors:
Leslie Michelassi - Seattle WA, US
Lisa C. Tidwell - Houston TX, US
Randy Templeton - Sugar Land TX, US
Sharat Shankar - Highlands Ranch CO, US
Lisa C. Tidwell - Houston TX, US
Randy Templeton - Sugar Land TX, US
Sharat Shankar - Highlands Ranch CO, US
Assignee:
First Data Corporation - Greenwood Village CO
International Classification:
G06K 17/60
US Classification:
235380, 235379
Abstract:
Systems and methods are disclosed for assisting a check-cashing entity to efficiently and accurately locate relevant positive pay information or other reconcilement information regarding a check or other negotiable instrument that has been presented in association with a request to cash, deposit, use as payment or other otherwise accept the check or negotiable instrument. In various embodiments, when a plurality of potentially useful reconcilement information sources are selected for querying in association with a proposed check-cashing transaction from amongst a set of available reconcilement information sources, factors relating to the transaction, factors relating to characteristics of the information sources, and factors relating to preferences on the part of the check-cashing entity may be considered in order to select and prioritize the querying of information sources that are deemed likely to hold desired reconcilement information.
Alternative Payment Devices Using Electronic Check Processing As A Payment Mechanism
US Patent:
7350697, Apr 1, 2008
Filed:
Aug 11, 2006
Appl. No.:
11/503102
Inventors:
Amy Swift - Albuquerque NM, US
Lisa Tidwell - Houston TX, US
Cassandra Mollett - Houston TX, US
Lisa Tidwell - Houston TX, US
Cassandra Mollett - Houston TX, US
Assignee:
First Data Corporation - Greenwood Village CO
Western Union - Englewood CO
Western Union - Englewood CO
International Classification:
G05F 17/00
G05F 19/00
G06K 5/00
G06Q 20/00
G06Q 40/00
G05F 19/00
G06K 5/00
G06Q 20/00
G06Q 40/00
US Classification:
235375, 235379, 235380, 705 16, 705 17, 705 39
Abstract:
The present invention includes a merchant system that recognizes virtually any payment device or technology that uses electronic check processing as a payment mechanism. For example, the merchant system associates presentation of the payment device with information used to electronically debit a checking account, such as MICR data, and submits the same to a transaction processor capable of settling electronic debit transactions.
Systems And Methods For Assessing The Risk Of A Financial Transaction Using Biometric Information
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
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.
Alternative Payment Devices Using Electronic Check Processing As A Payment Mechanism
US Patent:
7543736, Jun 9, 2009
Filed:
Feb 4, 2008
Appl. No.:
12/025258
Inventors:
Amy Swift - Albuquerque NM, US
Lisa Tidwell - Houston TX, US
Cassandra Mollett - Houston TX, US
Lisa Tidwell - Houston TX, US
Cassandra Mollett - Houston TX, US
Assignee:
First Data Corporation - Greenwood Village CO
International Classification:
G06F 17/00
G06F 19/00
G06K 5/00
G06Q 20/00
G06Q 40/00
G06F 19/00
G06K 5/00
G06Q 20/00
G06Q 40/00
US Classification:
235375, 235379, 235380, 705 16, 705 17, 705 39
Abstract:
The present invention includes a merchant system that recognizes virtually any payment device or technology that uses electronic check processing as a payment mechanism. For example, the merchant system associates presentation of the payment device with information used to electronically debit a checking account, such as MICR data, and submits the same to a transaction processor capable of settling electronic debit transactions.
Systems And Methods For Accessing Reconcilement Information
US Patent:
7640205, Dec 29, 2009
Filed:
Dec 23, 2003
Appl. No.:
10/744706
Inventors:
Leslie Michelassi - Seattle WA, US
Lisa C. Tidwell - Houston TX, US
Randy Templeton - Sugar Land TX, US
Sharat Shankar - Highlands Ranch CO, US
Lisa C. Tidwell - Houston TX, US
Randy Templeton - Sugar Land TX, US
Sharat Shankar - Highlands Ranch CO, US
Assignee:
First Data Corporation - Greenwood Village CO
International Classification:
G06Q 40/00
US Classification:
705 37, 705 38, 705 36, 705 35
Abstract:
Systems and methods are disclosed for assisting a check-cashing entity to efficiently and accurately locate relevant positive pay information or other reconcilement information regarding a check or other negotiable instrument that has been presented to a check-cashing entity in association with a request to cash, deposit, use as payment or other otherwise accept the check or negotiable instrument. In various embodiments, when a plurality of potentially useful sources of reconcilement information are identified for querying in association with a proposed check-cashing transaction, a decision regarding how many of the sources to query and/or how long to continue to query may be based at least in part on factors relating to the transaction, factors relating to characteristics of the information sources, and factors relating to preferences on the part of the check-cashing entity.
Systems And Methods For Identifying Payor Location Based On Transaction Data
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
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.
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