First Data Corporation

Charles McGinnis

Charles R Williams

Christopher J Baehr

Thad Kroon

The disclosure relates to systems and methods for processing decoupled debit transactions. In one embodiment, a system is provided. The system can include a device with a camera and a graphical user interface, and the system can further include a server. The device can identify received user information for a first transaction provided by a user to the graphical user interface of the device. The camera can capture an image of a check for the first transaction. The device can generate a first transaction message comprising the user information and the image of the check. The device can send the first transaction message to the server. The device can identify an indication received from the server that the user is approved for enrollment in a decoupled debit program, and the device further identifies an identifier received from the server for a decoupled debit program account. The graphical user display can display the indication to the user.

Systems and methods for processing decoupled debit transactions

A risk assessment system and method that calculates the risk of approving certain financial transactions, such as payment by check, and provides an indication as to whether to accept or decline the check. The system and method further include a process for calculating the risk of overturning the original decision whereby indications of whether to overturn a particular original transaction decline can be provided to a customer service agent such that the overturn decision is based upon the calculation of overturn risk using one or more overturn scoring modules.

Growing community of inventors

Houston, TX, United States of America

Charles McGinnis