Fiserv Incorporated

Checkfree Corporation

Roy Alan Southard

Brian Richard Seemann

Ann Marie Johnston

Robert Charles Esque

Justin Jackson

Hans Daniel Dreyer

Paul J Lyda

Brett V Borger

James Patrick McCabe

An identity risk score may be determined for subscribers of a service to indicate a level of confidence or certainty associated with a subscriber's identity. The identity risk score may be modified upward or downward in order to reflect changing levels of certainty. The changes may be based on transactions performed on behalf of and/or information submitted by the subscriber. Functionality provided to the subscriber may also be dependent upon whether the subscriber's identity risk score meets a threshold. In one or more arrangements, an identity risk score may be determined based on whether information entered by the subscriber can be confirmed and a level of confidence with which the information is confirmed.

Identity risk scoring

Embodiments of the invention may provide systems and methods for determining estimated lead times based on delivery history information to a same or similar geographical area. According to one example embodiment, a method is provided. The method can include identifying a payee and determining that the payee is associated with a geographical area for mailpiece delivery. The method can further include identifying multiple delivery methods for mailpiece delivery to the geographical area, wherein each of delivery methods is associated with (a) a distribution center, (b) a delivery agent, and (c) an estimated lead time determined at least in part by analyzing the delivery history information associated with multiple mailpieces mailed from the respective distribution center to the geographical area via the respective delivery agent. The method can further include selecting one of the delivery methods for mailpiece delivery to the payee and associating the selected delivery method with the payee.

Systems and methods for determining estimated lead times

Growing community of inventors

West Liberty, OH, United States of America

Roy Alan Southard