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1. 发明授权

US11630918B2 Systems and methods of determining compromised identity information 有权
公开(公告)号：US11630918B2
公开(公告)日：2023-04-18
申请号：US16563341
申请日：2019-09-06
申请人： Early Warning Services, LLC
发明人： Lester Leland Lockhart, III , David Hugh Munson , Gregor R. Bonin , Michael Cook
IPC分类号： G06F21/62
摘要： A compromised data exchange system extracts data from websites using a crawler, detects portions within the extracted data that resemble personally identifying information (PII) data based on PII data patterns using a risk assessment module, and compares a detected portion to data within a database of disassociated compromised PII data to determine a match using the risk assessment module. A risk score may be assigned to a data item within the database in response to determining the match. In some embodiments, URL data may also be detected in the extracted data. The detected URL data represents further web sites that can be automatically crawled by the system to detect further PII data.

2. 发明申请

US20230064979A1 DIGITAL IDENTITY SIGN-IN 有权
公开(公告)号：US20230064979A1
公开(公告)日：2023-03-02
申请号：US17900435
申请日：2022-08-31
申请人： Early Warning Services, LLC
发明人： Gregory Slowiak , Eric Woodward , Philip Lam , Jeff Shultz
IPC分类号： G06Q40/02 , G06F21/30 , G06F21/62 , H04L67/50 , H04L9/08 , H04L41/147 , 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.

3. 发明申请

US20220405839A1 DIGITAL IDENTITY 有权
公开(公告)号：US20220405839A1
公开(公告)日：2022-12-22
申请号：US17856056
申请日：2022-07-01
申请人： Early Warning Services, LLC
发明人： Gregory Slowiak , Eric Woodward , Philip Lam , Jeff Shultz
IPC分类号： G06Q40/02 , G06F21/30 , G06F21/62 , H04L67/50 , H04L9/08 , H04L41/147 , H04L9/40 , G06F9/445
摘要： Disclosed herein is an identity network that can provide a universal, digital identity for users that can be used to authenticate the user by an identity provider for relying parties. The identity network receives a request from a relying party that includes deep linking to an identity provider selected by the user. The request specifies the user as well as any other information about the user the relying party is requesting. A service of the identity network launches the application for the identity provider on the user's device using a software development kit. The user can log into the identity provider's application, which validates the user and provides the user authentication/validation and information about the user to the identity network. The identity network can then provide the indication of the user's authentication and the user information to the relying party.

4. 发明申请

US20220292511A1 SYSTEMS AND METHODS FOR SECURE ELECTRONIC TRANSFERS 有权
公开(公告)号：US20220292511A1
公开(公告)日：2022-09-15
申请号：US17829115
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： G06Q20/40 , G06Q20/38 , G06Q20/10
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 a request for a transfer from a selected payor account of a payor to a payee; 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, wherein 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, wherein facilitating the transfer comprises: sending transfer information to a payor financial institution to cause the payor financial institution to send a request for payment through a real-time settlement network to the payee financial institution to authorize a real-time credit transfer from the selected payor account to the payee account, wherein the real-time credit transfer is settled in real-time through the real-time settlement network. Other embodiments are disclosed herein.

5. 发明申请

US20220180406A1 SYSTEM AND METHOD FOR PROCESSING DONATION MATCHING 有权
公开(公告)号：US20220180406A1
公开(公告)日：2022-06-09
申请号：US17112638
申请日：2020-12-04
申请人： Early Warning Services, LLC
发明人： David Palty , Jaylean Kedwards , Ashley Montanaro , Bryan Bonilla , Donna Russell , Laura Weinflash
IPC分类号： G06Q30/02 , G06Q20/42 , G06Q40/02 , G06Q20/10 , G06Q20/40 , G06Q30/00 , G06Q20/02 , G06Q50/26 , G06Q10/10 , H04L29/06 , G06F16/23
摘要： A method including a system receiving, through a computer network, a donation authorization from a donor via a donor user interface executed on a donor device. The method further can include, after receiving the donation authorization, determining by the system, in real-time, whether the donation authorization complies with a matching policy of the matching donor. The method further can include, after determining that the donation authorization complies with the matching policy, determining by the system, in real-time, a matching donation amount based at least in part on the matching policy. The matching donation amount can be less than, equal to, or greater than the donation amount. The method further can include, after determining the matching donation amount, facilitating by the system, through the computer network: (i) a first electronic fund transfer of the donation amount from the sender account maintained by the sender financial institution to the receiver account maintained by the receiver financial institution; and (ii) a second electronic fund transfer of the matching donation amount from the matching sender account maintained by the matching sender financial institution to the receiver account maintained by the receiver financial institution. Other embodiments are disclosed.

6. 发明申请

US20220084036A1 SYSTEMS AND METHODS FOR DETERMINING THE HEALTH OF SOCIAL TOKENS 有权
公开(公告)号：US20220084036A1
公开(公告)日：2022-03-17
申请号：US17478725
申请日：2021-09-17
申请人： Early Warning Services, LLC
发明人： Jie He , Laura Weinflash , Matt Work
IPC分类号： G06Q20/40
摘要： Systems and methods are disclosed in assessing and determining the health of social tokens associated with certain events. More specifically, but not by way of limitation, this disclosure relates to determining dynamic scores associated with social tokens for senders and receivers in those events and using those scores to assess whether to allow or reject the event. An example embodiment may include receiving data associated with a sender including a social token associated with the sender, receiving account data associated with a plurality of accounts maintained at the entities, generating a health score for the social token associated with the sender, receiving data associated with an event initiated by the sender using the P2P account associated with the sender, generating a health score for the social token associated with the receiver, determining a health score for the event, determining that the event should be approved or declined based on the health score for the event, and if declined locking the application at the network device associated with the sender.

7. 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.

8. 发明授权

US11037122B2 Secure real-time transactions 有权
公开(公告)号：US11037122B2
公开(公告)日：2021-06-15
申请号：US15873533
申请日：2018-01-17
申请人： Early Warning Services, LLC
发明人： Paul Finch , Lou Anne Alexander
IPC分类号： G06Q20/20 , G06Q20/40 , G06Q20/32 , G06Q20/22 , G06Q20/36
摘要： A method including receiving, at a transaction system from a first entity, a request including a merchant identifier associated with a merchant. The transaction system can be in data communication with a first financial institution that maintains one or more first accounts of a consumer and a second financial institution that maintains a second account of the merchant. The one or more first accounts can include at least one non-demand deposit account. 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 authorize paying a payment amount for one or more items in a transaction using the one or more first accounts. The method also can include determining, at the transaction system, an account identifier of the second account of the merchant maintained by a second financial institution using a merchant account database. The method additionally can include sending the account identifier from the transaction system 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 one or more first accounts. The payment information can include a transaction identifier, the account identifier of the second account, and the payment amount. The method additionally can include sending, from the transaction system to the second financial institution, the payment information, such that a point-of-sale terminal at the store of the merchant receives a notification of payment for the transaction in real-time while the consumer remains at the store of the merchant. Other embodiments are provided.

9. 发明授权

US11025599B2 System and method for encrypting a data alert 有权
公开(公告)号：US11025599B2
公开(公告)日：2021-06-01
申请号：US16123723
申请日：2018-09-06
申请人： Early Warning Services, LLC
发明人： Anthony J. Selway , Matthew J. Cottrell , Laura E. Weinflash , Robert W. Weyrauch
IPC分类号： G06Q40/00 , H04L29/06 , G06F21/60 , H04L9/08 , G06F21/62 , G06Q20/04 , G06Q20/40
摘要： A method and system for providing real-time encrypted data alerts over secure networks. The method and system detect the improper duplicate data records and generate alerts that indicate the improper duplication. The systems encrypt the data alerts and transmit them to remote devices over private, secure networks to protect sensitive data contained in the alerts.

10. 发明申请

US20210142328A1 SYSTEM AND METHOD FOR PREVENTING FRAUD IN REAL-TIME PAYMENT TRANSACTIONS 有权
公开(公告)号：US20210142328A1
公开(公告)日：2021-05-13
申请号：US16682489
申请日：2019-11-13
申请人： Early Warning Services, LLC
发明人： Joseph Sean Sylvester , Laura Weinflash , Chad Lowe , Michael Feliciano , Chuck Hutchison
IPC分类号： G06Q20/40 , G06Q20/38 , G06Q20/26
摘要： A system including one or more processors and one or more non-transitory computer-readable media storing computing instructions configured to run on the one or more processors and perform various acts. The acts can include receiving, in real-time and through a computer network, a payment authorization from a first financial institution. The payment authorization can comprise a payment amount, a recipient account indicator, and a fund withholding instruction for the payment amount and associated with a release condition for the payment amount. The acts also can include after receiving the payment authorization, instructing, through the computer network, a fund withholding financial institution to post the payment amount to a fund withholding account maintained by the fund withholding financial institution. The acts further can include receiving, through the computer network and from the fist financial institution, a release decision that is based on the release condition. When the release decision is to release the payment amount to the recipient, the acts also can include (a) instructing, through the computer network, the fund withholding financial institution to debit in real-time the payment amount from the fund withholding account after receiving the release decision, and (b) instructing, through the computer network, the second financial institution to post in real-time the payment amount to the recipient account after the payment amount is debited from the fund withholding account. Other embodiments are provided.

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