Larry Spooner resumes & CV records
Resumes
Larry Spooner
Larry Spooner
Larry W Spooner, 8513829 E Poelstra St, Vail, AZ 85641
Larry Spooner Phones & Addresses
13829 E Poelstra St, Vail, AZ 85641 623-5335612
Peoria, AZ
Cave Creek, AZ
Scottsdale, AZ
Tucson, AZ
Green Valley, AZ
Port Washington, WI
Pima, AZ
Mentions for Larry W Spooner
Publications & IP owners
Us Patents
Database For Check Risk Decisions Populated With Check Activity Data From Banks Of First Deposit
US Patent:
8510224, Aug 13, 2013
Filed:
May 23, 2008
Appl. No.:
12/126474
Inventors:
Laura E. Weinflash - Scottsdale AZ, US
Larry W. Spooner - Green Valley AZ, US
Larry W. Spooner - Green Valley AZ, US
Assignee:
Early Warning Services, LLC - Scottsdale AZ
International Classification:
G06Q 40/00
US Classification:
705 45, 705 35, 705 40
Abstract:
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.
Database For Check Risk Decisions Populated With Check Activity Data From Banks Of First Deposit
US Patent:
2003021, Nov 20, 2003
Filed:
May 14, 2002
Appl. No.:
10/144740
Inventors:
Laura Weinflash - Scottsdale AZ, US
Larry Spooner - Green Valley AZ, US
Larry Spooner - Green Valley AZ, US
Assignee:
Primary Payment Systems, Inc.
International Classification:
G06F017/60
US Classification:
705/042000, 235/379000
Abstract:
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.
Database For Check Risk Decisions Populated With Check Activity Data From Banks Of First Deposit
US Patent:
2014003, Jan 30, 2014
Filed:
Jul 22, 2013
Appl. No.:
13/947271
Inventors:
Larry W. Spooner - Green Valley AZ, US
Assignee:
Early Warning Services, LLC - Scottsdale AZ
International Classification:
G06Q 40/00
US Classification:
705 35
Abstract:
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.
Multi-Database System For Storing Data From Multiple Data Sources
US Patent:
2018018, Jul 5, 2018
Filed:
Nov 30, 2017
Appl. No.:
15/828075
Inventors:
- Scottsdale AZ, US
Larry W. Spooner - Green Valley AZ, US
Larry W. Spooner - Green Valley AZ, US
International Classification:
G06Q 40/02
G06Q 20/04
G06Q 40/00
G06Q 20/04
G06Q 40/00
Abstract:
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.
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