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1. 发明授权

US11144928B2 Authentication and fraud prevention in provisioning a mobile wallet 有权
公开(公告)号：US11144928B2
公开(公告)日：2021-10-12
申请号：US15709156
申请日：2017-09-19
申请人： Early Warning Services, LLC
发明人： Betty Chan-Bauza , James R. Mortensen , Aaron Bartrim , Eric Woodward , Hal Granoff , Mark Pender , Ryan Riveland
IPC分类号： G06Q20/00 , G06Q20/40 , G06Q20/32 , G06Q20/36 , G06Q20/38 , G06Q10/06
摘要： A method including receiving a request from a mobile wallet operating on a mobile device to perform a provisioning of an account to the mobile wallet. The method also can include generating account information about the account. The method additionally can include generating device information about the mobile device. The method further can include sending an inquiry to a risk determination system to authenticate the provisioning of the account to the mobile wallet. The risk determination system can generate a fraud risk level by applying business rules and one or more statistical modeling techniques. The method additionally can include receiving from the risk determination system a first response based on the fraud risk level. The method further can include determining whether to proceed with the provisioning of the account to the mobile wallet or to perform an additional verification based at least in part on the first response received from the risk determination system. The method additionally can include sending a second response to the mobile wallet in response to the request to perform the provisioning of the account to the mobile wallet. Other embodiments are provided.

2. 发明授权

US10970695B2 Secure real-time transactions 有权
公开(公告)号：US10970695B2
公开(公告)日：2021-04-06
申请号：US15873440
申请日：2018-01-17
申请人： Early Warning Services, LLC
发明人： Paul Finch , Lou Anne Alexander , Aaron Bartrim
IPC分类号： G06Q20/20 , G06Q20/40 , G06Q20/32 , G06Q20/38 , G06Q20/02
摘要： A method including receiving, at a mobile device being used by a consumer, a transaction code from a point-of-sale terminal at a store of a merchant. The transaction code can include a merchant public identifier being associated with the merchant, a payment amount for one or more items to be purchased from the merchant by the consumer in a transaction, a transaction identifier for the transaction, and a digital signature. The method also can include verifying the digital signature for the transaction code. The method additionally can include sending, from the mobile device, a request to pay the merchant for the payment amount from a first account of the consumer maintained by a first financial institution, such that the first financial institution, upon receiving the request to pay, retrieves from a transaction system an account identifier of a second account of the merchant maintained by a second financial institution based on the merchant public identifier, such that the first financial institution sends to the transaction system payment information regarding a payment to be made to the second account from the first account, such that the payment information is routed through the transaction system to the second financial institution, and such that the point-of-sale terminal receives a notification of payment for the transaction in real-time while the consumer remains at the store of the merchant. The transaction system can be maintained by an entity that is different from the merchant, the first financial institution, and the second financial institution. The payment information can include the transaction identifier, the account identifier of the second account, and the payment amount. Other embodiments are provided.

3. 发明授权

US10552823B1 System and method for authentication of a mobile device 有权
公开(公告)号：US10552823B1
公开(公告)日：2020-02-04
申请号：US15470522
申请日：2017-03-27
申请人： Early Warning Services, LLC
发明人： Eric Woodward , Rodger Desai , Aaron Bartrim , Betty Chan-Bauza
IPC分类号： G06Q20/32 , H04W12/06 , H04L29/06 , G06Q20/40
摘要： The security of a transaction conducted at a mobile device, using a one-time password to authenticate the mobile device user, is enhanced by requiring that the mobile device also be authenticated by providing a valid mobile device ID. A security server that provides the one-time password to the mobile device also provides a hyperlink that, when selected, causes a mobile device ID, such as an IMSI, to be retrieved from a SIM in the mobile device The retrieved mobile device ID is then sent to the security server. A database associated with the security server stores valid mobile device IDs, and compares the retrieved mobile device ID from the mobile device to the valid mobile device ID for that mobile device stored in the database. In alternative embodiments, the mobile device is authenticated without the use of a one-time password. In some cases the mobile device ID may be a phone number returned in an HTTP message header from the mobile device, and it is compared to a mobile device ID maintained by a bank or other entity managing the transaction.

4. 发明申请

US20180082302A1 AUTHENTICATION AND FRAUD PREVENTION IN PROVISIONING A MOBILE WALLET 审中-公开
公开(公告)号：US20180082302A1
公开(公告)日：2018-03-22
申请号：US15709156
申请日：2017-09-19
申请人： Early Warning Services, LLC
发明人： Betty Chan-Bauza , James R. Mortensen , Aaron Bartrim , Eric Woodward , Hal Granoff , Harj Dodd , Mark Pender , Ryan Riveland
IPC分类号： G06Q20/40 , G06Q20/36
CPC分类号： G06Q20/4016 , G06Q10/067 , G06Q20/322 , G06Q20/36 , G06Q20/3821
摘要： A method including receiving a request from a mobile wallet operating on a mobile device to perform a provisioning of an account to the mobile wallet. The method also can include generating account information about the account. The method additionally can include generating device information about the mobile device. The method further can include sending an inquiry to a risk determination system to authenticate the provisioning of the account to the mobile wallet. The risk determination system can generate a fraud risk level by applying business rules and one or more statistical modeling techniques. The method additionally can include receiving from the risk determination system a first response based on the fraud risk level. The method further can include determining whether to proceed with the provisioning of the account to the mobile wallet or to perform an additional verification based at least in part on the first response received from the risk determination system. The method additionally can include sending a second response to the mobile wallet in response to the request to perform the provisioning of the account to the mobile wallet. Other embodiments are provided.

5. 发明授权

US11386410B2 Secure transactions with offline device 有权
公开(公告)号：US11386410B2
公开(公告)日：2022-07-12
申请号：US16716322
申请日：2019-12-16
申请人： Early Warning Services, LLC
发明人： Aaron Bartrim , Paul Finch , Lou Anne Alexander
IPC分类号： G06Q20/20 , G06Q20/38 , G06Q20/36 , G06Q20/32 , G06Q20/02
摘要： A method being implemented via execution of computing instructions configured to run at one or more processors and stored at one or more non-transitory computer-readable media. The method can include receiving, at a transaction system being situated along a proxy communication channel extending from a point-of-sale terminal of a first entity to a mobile wallet provider, an encrypted transaction code. The encrypted transaction code can be generated and sent to the point-of-sale terminal by a mobile device that runs a mobile application associated with the mobile wallet provider. The mobile device receives from a point-of-sale terminal an identifier of the first entity, a transaction amount of a transaction, and a transaction identifier for the transaction, receives an authorization from a user of the mobile device for the transaction while the user is at the point-of-sale terminal, and determines that the mobile device is unable to communicate with the mobile wallet provider. The encrypted transaction code includes a preauthorization from the user to pay the first entity for the transaction amount from a first account of the user maintained by a first financial institution. The method also can include sending the encrypted transaction code through the proxy communication channel to the mobile wallet provider, to cause the mobile wallet provider to decrypt the encrypted transaction code and verify the preauthorization from the user. The method additionally can include receiving, from the first financial institution, a request comprising the identifier of the first entity. The method further can include determining an account identifier of a second account of the first entity maintained by a second financial institution based on the identifier of the first entity. The method additionally can include sending the account identifier of the second account to the first financial institution. The method further can include receiving, from the first financial institution, payment information regarding a payment to be made to the second account from the first account for the transaction. The method additionally can include sending the payment information to the second financial institution, to cause the point-of-sale terminal to receive a notification in real-time while the user remains at the point-of-sale terminal. Other embodiments are described.

6. 发明申请

US20180359636A1 SYSTEM AND METHOD FOR MOBILE NUMBER VERIFICATION 审中-公开
公开(公告)号：US20180359636A1
公开(公告)日：2018-12-13
申请号：US16005459
申请日：2018-06-11
申请人： Early Warning Services, LLC
发明人： Eric Woodward , Aaron Bartrim , Betty Chan-Bauza , Rodger Desai , Matt Brown , Chris Cunningham
IPC分类号： H04W12/06 , H04W8/28 , H04M7/12 , H04M3/38 , H04M1/677 , H04L29/06
CPC分类号： H04W12/06 , H04L63/18 , H04M1/677 , H04M3/38 , H04M7/126 , H04W8/28
摘要： A mobile phone number that is been provided by a customer during enrollment is verified for use. SS7 protocol data associated with the mobile phone number is collected and evaluated, and if the condition of the subscriber account associated with phone number has changed or is inconsistent with the circumstances surrounding the enrollment of the phone number, the phone number is designated as one that is not to be called.

7. 发明授权

US10015670B2 System and method for mobile number verification 有权
公开(公告)号：US10015670B2
公开(公告)日：2018-07-03
申请号：US14798155
申请日：2015-07-13
申请人： Early Warning Services, LLC
发明人： Eric Woodward , Aaron Bartrim , Betty Chan-Bauza , Rodger Desai , Matt Brown , Chris Cunningham
IPC分类号： H04W12/06 , H04M1/677 , H04M3/38 , H04M7/12 , H04W8/28 , H04L29/06
CPC分类号： H04W12/06 , H04L63/18 , H04M1/677 , H04M3/38 , H04M7/126 , H04W8/28
摘要： A mobile phone number that is been provided by a customer during enrollment is verified for use. SS7 protocol data associated with the mobile phone number is collected and evaluated, and if the condition of the subscriber account associated with phone number has changed or is inconsistent with the circumstances surrounding the enrollment of the phone number, the phone number is designated as one that is not to be called.

8. 发明申请

US20180082303A1 AUTHENTICATION AND FRAUD PREVENTION IN PROVISIONING A MOBILE WALLET 审中-公开
公开(公告)号：US20180082303A1
公开(公告)日：2018-03-22
申请号：US15709180
申请日：2017-09-19
申请人： Early Warning Services, LLC
发明人： Betty Chan-Bauza , James R. Mortensen , Aaron Bartrim , Eric Woodward , Hal Granoff , Harj Dodd , Mark Pender , Ryan Riveland
IPC分类号： G06Q20/40 , G06Q20/36
CPC分类号： G06Q20/4016 , G06Q10/067 , G06Q20/322 , G06Q20/36 , G06Q20/3821
摘要： A method including receiving a request from a provider to perform a provisioning of an account to a mobile wallet operating on a mobile device. The method also can include sending an inquiry to a risk determination system to authenticate the provisioning of the account to the mobile wallet. The risk determination system can generate a fraud risk level by applying business rules and one or more statistical modeling techniques. The method additionally can include receiving from the risk determination system a response based on the fraud risk level. The method further can include determining whether to proceed with the provisioning of the account to the mobile wallet based at least in part on the response received from the risk determination system. The method additionally can include providing a token to the provider in response to the request to perform the provisioning of the account to the mobile wallet when the fraud risk level is below a predetermined threshold. Other embodiments are provided.

9. 发明授权

US11151567B2 Authentication and fraud prevention in provisioning a mobile wallet 有权
公开(公告)号：US11151567B2
公开(公告)日：2021-10-19
申请号：US15709180
申请日：2017-09-19
申请人： Early Warning Services, LLC
发明人： Betty Chan-Bauza , James R. Mortensen , Aaron Bartrim , Eric Woodward , Hal Granoff , Mark Pender , Ryan Riveland
IPC分类号： G06Q20/40 , G06Q20/36 , G06Q20/38 , G06Q10/06 , G06Q20/32
摘要： A method including receiving a request from a provider to perform a provisioning of an account to a mobile wallet operating on a mobile device. The method also can include sending an inquiry to a risk determination system to authenticate the provisioning of the account to the mobile wallet. The risk determination system can generate a fraud risk level by applying business rules and one or more statistical modeling techniques. The method additionally can include receiving from the risk determination system a response based on the fraud risk level. The method further can include determining whether to proceed with the provisioning of the account to the mobile wallet based at least in part on the response received from the risk determination system. The method additionally can include providing a token to the provider in response to the request to perform the provisioning of the account to the mobile wallet when the fraud risk level is below a predetermined threshold. Other embodiments are provided.

10. 发明授权

US10963856B2 Secure real-time transactions 有权
公开(公告)号：US10963856B2
公开(公告)日：2021-03-30
申请号：US15873463
申请日：2018-01-17
申请人： Early Warning Services, LLC
发明人： Paul Finch , Lou Anne Alexander , Aaron Bartrim
IPC分类号： G06Q20/20 , G06Q20/40 , G06Q20/32 , G06Q20/38
摘要： A method including receiving, at a transaction system from a first entity, a request including a merchant public identifier associated with a merchant. The transaction system can be in data communication with a first financial institution that maintains a first account of a consumer and a second financial institution that maintains a second account of the merchant. The transaction system can be maintained by an entity that is different from the merchant, the first financial institution, and the second financial institution. The consumer can use a mobile device at a store of the merchant to pay for one or more items in a transaction. The mobile device can receive a transaction code from a point-of-sale terminal at the store. The transaction code can include a transaction identifier, a payment amount for the transaction, the merchant public identifier, and a digital signature. The transaction code can be verified by the mobile device using the digital signature of the transaction code. The method also can include determining, at the transaction system, an account identifier of the second account based on the merchant public identifier using a merchant account database. The method additionally can include sending the account identifier to the first financial institution. The method further can include receiving, at the transaction system from the first financial institution, payment information regarding a payment to be made to the second account from the first account. The method additionally can include sending, from the transaction system to the second financial institution, the payment information, such that the point-of-sale terminal receives a notification of payment for the transaction in real-time while the consumer remains at the store of the merchant. The payment information can include the account identifier of the second account, the payment amount, and the transaction identifier. Other embodiments are provided.

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