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1. 发明申请

US20230125547A1 AUTHORIZATION CODE FOR ACCESS 有权
公开(公告)号：US20230125547A1
公开(公告)日：2023-04-27
申请号：US18088114
申请日：2022-12-23
申请人： Early Warning Services, LLC
发明人： Gregory Slowiak , Michael Dempsey , Dougal J. Brindley
IPC分类号： G06Q40/03 , G06F21/30 , G06F21/62 , H04L67/50 , H04L9/08 , H04L41/147 , H04L9/40 , G06F9/445
摘要： A method for sharing digital identity data, the method comprising, using the identity network, receiving an indication of consent from a user device to share a plurality of identity attributes with a relying party, wherein the plurality of identity attributes are associated with a user of the user device, generating an internal authorization code after receiving the consent, providing the internal authorization code to the user device, receiving the internal authorization code from the relying party, in response to receiving the internal authorization code, providing an internal access token to the relying party, receiving the internal access token from the relying party, and in response to receiving the access token, providing the plurality of identity attributes to the relying party.

2. 发明授权

US11620404B2 System and method of permission-based data sharing 有权
公开(公告)号：US11620404B2
公开(公告)日：2023-04-04
申请号：US16988402
申请日：2020-08-07
申请人： Early Warning Services, LLC
发明人： Michael Cook , Brian Ketelsen
IPC分类号： G06F21/62 , G06F16/248 , G06Q30/06
摘要： A system includes a processor and a memory accessible to the processor. The memory may store instructions that, when executed by a processor, cause the processor to receive first data associated with a first owner and second data associated with a second owner from a data warehouse. The memory further includes instructions that, when executed, cause the processor to selectively filter the first data according to first data sharing permissions defined by the first owner to produce first filtered data, selectively filter the second data according to second data sharing permissions defined by the second owner to produce second filtered data, and provide an output including the first filtered data and the second filtered data to a data requester.

3. 发明申请

US20230064412A1 IDENTITY PROVIDER SELECTION FOR IDENTITY ATTRIBUTE SHARING PROCESS 有权
公开(公告)号：US20230064412A1
公开(公告)日：2023-03-02
申请号：US17984106
申请日：2022-11-09
申请人： Early Warning Services, LLC
发明人： Dougal Brindley , Gregory Slowiak
IPC分类号： G06Q40/02 , G06F21/30 , G06F21/62 , H04L67/50 , H04L9/08 , H04L41/147 , H04L9/40 , G06F9/445
摘要： Methods of selecting an identity provider using an identity attribute sharing system may include accessing, by a user device, a page of a relying party. The methods may include receiving, by the user device, a selection to utilize an identity network to share a number of identity attributes with the relying party. The methods may include displaying, by the user device, a plurality of identity providers enrolled for use with the identity attribute sharing system. The methods may include receiving, by the user device, a selection of one of the plurality of identity providers. The methods may include providing access to a page of a selected identity provider.

4. 发明申请

US20230040705A1 RISK MANAGEMENT NETWORK 有权
公开(公告)号：US20230040705A1
公开(公告)日：2023-02-09
申请号：US17877423
申请日：2022-07-29
申请人： Early Warning Services, LLC
发明人： Ravi Loganathan , Aniket Panjwani , Rachael Gwinn , Ronald Scott Alcorn , Chris Burke , Jesse Dean , Deepakshi Aswal
IPC分类号： G06Q40/02
摘要： A method of generating a credit/lending balance sheet may include receiving, from a financial institution, an identifier associated with a request for funds. The method may include identifying one or more financial accounts associated with a debtor who initiated the request for funds based on the identifier. The method may include accessing account data from the one or more financial accounts associated with the debtor. The method may include aggregating the account data from the one or more financial accounts. The method may include generating a balance sheet from the aggregated account data, the balance sheet providing data associated with income and expenses of the debtor.

5. 发明申请

US20220321681A1 SYSTEM AND METHOD OF RECIPROCAL DATA SHARING 有权
公开(公告)号：US20220321681A1
公开(公告)日：2022-10-06
申请号：US17846396
申请日：2022-06-22
申请人： Early Warning Services, LLC
发明人： Michael Cook , Gregor R. Bonin , Aaron Antonio Rodriguez
IPC分类号： H04L67/60 , H04L47/25 , H04L45/74 , H04L45/00
摘要： Systems and methods are provided for implementing reciprocal data sharing in a data exchange system. Limitations may be placed on the amount of data an exchange member may access based on the amount of data contributed. The system may include determining a data contribution associated with a first member of the data exchange, determining a data access limit for the first member based on the data contribution, and providing data to the first member when the first member has not exceeded the data access limit. In some embodiments, there may be separate data access limits for each member of the data exchange, so that a first member may have different access limits when accessing data from a second member, data from a third member, and data from a fourth member. Further, the system may limit a requester to a type of data that corresponds to the type of data contributed.

6. 发明申请

US20220292498A1 SYSTEMS AND METHODS FOR SECURE ELECTRONIC TRANSFERS 有权
公开(公告)号：US20220292498A1
公开(公告)日：2022-09-15
申请号：US17829077
申请日：2022-05-31
申请人： Early Warning Services, LLC
发明人： Laura Weinflash , Rajasekhar Divakaruni , Rajesh Kulkarni
IPC分类号： G06Q20/38 , G06Q20/40 , G06Q20/10 , G06Q20/02 , H04L67/306 , G06Q20/22
摘要： Systems and methods including one or more processors and one or more non-transitory storage devices storing computing instructions configured to run on the one or more processors and perform receiving, from a payee system for a payee, a request for a transfer from a payor to the payee, wherein the payor is associated with a payor user profile of the payee system; causing a payor device for the payor to display an authorization user interface for the payor to authorize a payor financial institution to grant an access code to the system; requesting, from the payor financial institution, one or more eligible payor accounts owned by the payor and maintained by the payor financial institution; causing the payor device to display the one or more eligible payor accounts for the payor to determine a selected payor account of the one or more eligible payor accounts for the transfer; determining a fraud risk score for the transfer; transmitting, to a payee financial institution for the payee, the fraud risk score, wherein: the payee financial institution is configured to determine a transfer decision for the transfer based at least in part on the fraud risk score and information about a payee account for the transfer; and the payee account is owned by the payee and maintained by the payee financial institution; when the transfer decision comprises an approval of the transfer by the payee financial institution, facilitating the transfer from the selected payor account to the payee account; generating a transfer token associated with the payor and the payee; storing transfer data for the transfer, the transfer data being associated with the transfer token; and transmitting the transfer token to the payee system, wherein the payee system stores the transfer token with the payor user profile. Other embodiments are disclosed herein.

7. 发明申请

US20220284438A1 SYSTEMS AND METHODS FOR SECURE ELECTRONIC TRANSFERS 有权
公开(公告)号：US20220284438A1
公开(公告)日：2022-09-08
申请号：US17824878
申请日：2022-05-25
申请人： Early Warning Services, LLC
发明人： Laura Weinflash , Rajasekhar Divakaruni , Rajesh Kulkarni
IPC分类号： G06Q20/40
摘要： Systems and methods including one or more processors and one or more non-transitory storage devices storing computing instructions configured to run on the one or more processors and perform receiving, from a payee system for a payee, a request for a transfer from a payor to the payee; causing a payor device of the payor to display an authorization user interface for the payor to authorize a payor financial institution to grant an access code to the one or more processors; in response to the payor financial institution granting the access code, requesting, from the payor financial institution, one or more eligible payor accounts owned by the payor and maintained by the payor financial institution; causing the payor device to display the one or more eligible payor accounts for the payor to determine a selected payor account of the one or more eligible payor accounts for the transfer; determining a fraud risk score for the transfer; transmitting, to a payee financial institution for the payee, the fraud risk score, wherein: the payee financial institution is configured to determine a transfer decision for the transfer based at least in part on the fraud risk score and information about a payee account for the transfer; and the payee account is owned by the payee and maintained by the payee financial institution; and when the transfer decision comprises an approval of the transfer by the payee financial institution, facilitating the transfer from the selected payor account to the payee account. Other embodiments are disclosed herein.

8. 发明授权

US11438331B1 Digital identity sign-in 有权
公开(公告)号：US11438331B1
公开(公告)日：2022-09-06
申请号：US16908453
申请日：2020-06-22
申请人： Early Warning Services, LLC
发明人： Gregory Slowiak , Eric Woodward , Philip Lam , Jeff Shultz
IPC分类号： H04L9/40 , G06F9/445
摘要： Disclosed herein is an identity network that provides a universal, digital identity for users to be authenticated by an identity provider for relying parties upon sign-in to the relying party. The identity network receives the sign-in request from a relying party for a user using a user device. The identity network can provide a session identifier to the relying party for the request and launch an identity provider application associated with the user via a software development kit in the relying party application. The user may sign-in to the identity provider via the software development kit, thereby authenticating the user for the relying party. Additionally, the identity provider may generate a risk validation score and provide it to the relying party that provides a confidence value that the user is validly using the user device and a risk score based on device activity on the identity network.

9. 发明申请

US20220156803A1 SYSTEM AND METHOD FOR PROCESSING REAL-TIME ONLINE DONATIONS 有权
公开(公告)号：US20220156803A1
公开(公告)日：2022-05-19
申请号：US17099500
申请日：2020-11-16
申请人： Early Warning Services, LLC
发明人： Joseph Sean Sylvester
IPC分类号： G06Q30/02 , G06Q30/00 , G06Q40/00 , G06Q20/40
摘要： A method including a system receiving, in real-time and through a computer network, a donation authorization from a donor via a donor user interface executed on a donor device of the donor. The donation authorization can comprise: a donation amount, a donor token for the donor, a donee first token for a donee, and/or donee information. The donor token can be uniquely associated with a donor account for the donor, and the donor account can be maintained by a sender financial institution. The donee first token can be uniquely associated with a donee account for the donee, and the donee account can be maintained by a receiver financial institution. The method further can include the system, after receiving the donation authorization, instructing or facilitating, in real-time and through the computer network, the receiver financial institution to post in real-time the donation amount to the donee account. Other embodiments are disclosed.

10. 发明授权

US11281798B2 System and method of filtering consumer data 有权
公开(公告)号：US11281798B2
公开(公告)日：2022-03-22
申请号：US16725671
申请日：2019-12-23
申请人： Early Warning Services, LLC
发明人： Michael Cook
IPC分类号： G06F21/62 , G06F16/13 , G06F16/245 , G06Q20/34 , G06Q20/02
摘要： A system may include an interface configured to couple to a network, and includes a processor and a memory accessible to the processor. The memory may be configured to store instructions that, when executed, cause the processor to process search results corresponding to multiple data owners to selectively filter personally identifiable information (PII) associated with one or more consumers from the set of search results according to data sharing permissions for each of the data owners to produce filtered results. The instructions may further cause the processor to provide the filtered results to a user device through the network.

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