Patents by Inventor Esther Pigg
Esther Pigg has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Patent number: 11962590Abstract: A telecommunications network server system provides a digital identifier to a user device. The digital identifier may include identification data corresponding to a user of the user device. In addition, the telecommunications network server system receives, from one or more third-party systems, requests to authenticate the user for an electronic transaction with the respective third-party system. The telecommunications network server system provides a unique electronic transaction code to each third-party system. Responsive to receiving from the user device one of the unique electronic transaction codes, the telecommunications network server system provides, to the respective third-party system, authentication of the user.Type: GrantFiled: March 30, 2023Date of Patent: April 16, 2024Assignees: Equifax, Inc., Fidelity Information Services, LLCInventors: Helcio Cano, Rich Huffman, Ravindra Bijlani, Richard Michaelson, Rob Harris, Vivian Van Zyl, Esther Pigg, Marty Romain
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Publication number: 20230351345Abstract: A computer-implemented method including receiving a request to facilitate a transfer of funds from a sender account of a sender at a sender financial institution to a recipient account of a recipient at a recipient financial institution. The request can include a public identifier for the recipient but not include an account number of the recipient account at the recipient financial institution. The method also can include determining, using an information directory, a private token for the recipient account based on the public identifier. The method additionally can include transmitting the private token of the recipient account to enable the transfer of the funds from the sender account to the recipient account. Other embodiments are disclosed.Type: ApplicationFiled: July 6, 2023Publication date: November 2, 2023Applicant: Early Warning Services, LLCInventors: Sri Muthu, John Feldman, Esther Pigg, Jeffrey Cornman, Alfonso McMillian
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Publication number: 20230254311Abstract: The present disclosure involves systems and methods for identity authentication across multiple institutions using a trusted mobile device as a proxy for a user login. In one example, the operations include identifying a request to trust a particular user associated with a first entity in a digital ID network. A set of personally identifiable information (PII) associated with the user is obtained via the first entity and an identity verification (IDV)/fraud risk analysis is performed. In response to satisfying the analysis, instructions are transmitted to the user to verify the identity via a mobile trust application on an associated mobile device. Upon verification, the mobile device is bound to the user within the digital ID network along with a digital ID associated with the particular user. The digital ID can be used by other entities registered within the digital ID network to authenticate the user.Type: ApplicationFiled: April 10, 2023Publication date: August 10, 2023Inventors: Richard Huffman, Richard Michaelson, Ravindra Bijlani, Shriram Salem, Rob Harris, Vivian Van Zyl, Helcio Cano, Gaurav R. Khanna, Esther Pigg, Marty Romain
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Patent number: 11715075Abstract: A method including receiving a funds transfer request initiated by a sender to facilitate a transfer of funds to a recipient. The funds can be transferred from a sender account of the sender at a sender financial institution to a recipient account of the recipient at a recipient financial institution. The funds transfer request can include a public token for the recipient but not including an account number of the recipient account at the recipient financial institution. The public token for the recipient can be confirmed as useable to contact the recipient based on one or more responses by the recipient to one or more authentication request messages provided to the recipient using the public token. The method also can include determining a private token for the recipient account using an information directory based on the public token. The private token can be embedded with information that identifies the recipient financial institution.Type: GrantFiled: May 2, 2022Date of Patent: August 1, 2023Assignee: EARLY WARNING SERVICES, LLCInventors: Sri Muthu, John Feldman, Esther Pigg, Jeffrey Cornman, Alfonso McMillian
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Publication number: 20230239295Abstract: A telecommunications network server system provides a digital identifier to a user device. The digital identifier may include identification data corresponding to a user of the user device. In addition, the telecommunications network server system receives, from one or more third-party systems, requests to authenticate the user for an electronic transaction with the respective third-party system. The telecommunications network server system provides a unique electronic transaction code to each third-party system. Responsive to receiving from the user device one of the unique electronic transaction codes, the telecommunications network server system provides, to the respective third-party system, authentication of the user.Type: ApplicationFiled: March 30, 2023Publication date: July 27, 2023Inventors: Helcio Cano, Rich Huffman, Ravindra Bijlani, Richard Michaelson, Rob Harris, Vivian Van Zyl, Esther Pigg, Marty Romain
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Patent number: 11652820Abstract: The present disclosure involves systems and methods for identity authentication across multiple institutions using a trusted mobile device as a proxy for a user login. In one example, the operations include identifying a request to trust a particular user associated with a first entity in a digital ID network. A set of personally identifiable information (PII) associated with the user is obtained via the first entity and an identity verification (IDV)/fraud risk analysis is performed. In response to satisfying the analysis, instructions are transmitted to the user to verify the identity via a mobile trust application on an associated mobile device. Upon verification, the mobile device is bound to the user within the digital ID network along with a digital ID associated with the particular user. The digital ID can be used by other entities registered within the digital ID network to authenticate the user.Type: GrantFiled: July 9, 2021Date of Patent: May 16, 2023Assignees: Fidelity Information Services, LLC, Equifax, Inc.Inventors: Richard Huffman, Richard Michaelson, Ravindra Bijlani, Shriram Salem, Rob Harris, Vivian Van Zyl, Helcio Cano, Gaurav R. Khanna, Esther Pigg, Marty Romain
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Patent number: 11632371Abstract: A telecommunications network server system provides a digital identifier to a user device. The digital identifier may include identification data corresponding to a user of the user device. In addition, the telecommunications network server system receives, from one or more third-party systems, requests to authenticate the user for an electronic transaction with the respective third-party system. The telecommunications network server system provides a unique electronic transaction code to each third-party system. Responsive to receiving from the user device one of the unique electronic transaction codes, the telecommunications network server system provides, to the respective third-party system, authentication of the user.Type: GrantFiled: November 10, 2021Date of Patent: April 18, 2023Assignees: Equifax, Inc., Fidelity Information Services LLCInventors: Helcio Cano, Rich Huffman, Ravindra Bijlani, Richard Michaelson, Rob Harris, Vivian Van Zyl, Esther Pigg, Marty Romain
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Publication number: 20220261773Abstract: A method including receiving a funds transfer request initiated by a sender to facilitate a transfer of funds to a recipient. The funds can be transferred from a sender account of the sender at a sender financial institution to a recipient account of the recipient at a recipient financial institution. The funds transfer request can include a public token for the recipient but not including an account number of the recipient account at the recipient financial institution. The public token for the recipient can be confirmed as useable to contact the recipient based on one or more responses by the recipient to one or more authentication request messages provided to the recipient using the public token. The method also can include determining a private token for the recipient account using an information directory based on the public token. The private token can be embedded with information that identifies the recipient financial institution.Type: ApplicationFiled: May 2, 2022Publication date: August 18, 2022Applicant: Early Warning Services, LLCInventors: Sri Muthu, John Feldman, Esther Pigg, Jeffrey Cornman, Alfonso McMillian
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Patent number: 11321682Abstract: A method including receiving a funds transfer request from a sender through a computer network to facilitate a transfer of funds to a recipient. The method also can include determining that the recipient is not a registered user of the computer-implemented funds transfer payment network. The method additionally can include automatically transmitting an invitation to the recipient to join the computer-implemented funds transfer payment network. The invitation can be directed to the recipient using the token for the recipient from the funds transfer request by sending the invitation to the recipient using the token. The method further can include receiving a response to the invitation from the recipient. The method additionally can include collecting identifying information that identifies the recipient. The method further can include creating a record for the recipient in a database of registered users contained in the computer-implemented funds transfer payment network.Type: GrantFiled: August 26, 2019Date of Patent: May 3, 2022Assignee: EARLY WARNING SERVICES, LLCInventors: Sri Saravana Muthu, John G. Feldman, Esther Pigg, Jeffrey Cornman, Alfonso McMillian
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Publication number: 20220070169Abstract: A telecommunications network server system provides a digital identifier to a user device. The digital identifier may include identification data corresponding to a user of the user device. In addition, the telecommunications network server system receives, from one or more third-party systems, requests to authenticate the user for an electronic transaction with the respective third-party system. The telecommunications network server system provides a unique electronic transaction code to each third-party system. Responsive to receiving from the user device one of the unique electronic transaction codes, the telecommunications network server system provides, to the respective third-party system, authentication of the user.Type: ApplicationFiled: November 10, 2021Publication date: March 3, 2022Applicants: EQUIFAX, INC., FIDELITY INFORMATION SERVICES, LLCInventors: Helcio CANO, Rich HUFFMAN, Ravindra BIJLANI, Richard MICHAELSON, Rob HARRIS, Vivian VAN ZYL, Esther PIGG, Marty ROMAIN
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Patent number: 11223621Abstract: A telecommunications network server system provides a digital identifier to a user device. The digital identifier may include identification data corresponding to a user of the user device. In addition, the telecommunications network server system receives, from one or more third-party systems, requests to authenticate the user for an electronic transaction with the respective third-party system. The telecommunications network server system provides a unique electronic transaction code to each third-party system. Responsive to receiving from the user device one of the unique electronic transaction codes, the telecommunications network server system provides, to the respective third-party system, authentication of the user.Type: GrantFiled: January 5, 2018Date of Patent: January 11, 2022Assignees: Fidelity Information Services, Inc., Equifax, Inc.Inventors: Helcio Cano, Rich Huffman, Ravindra Bijlani, Richard Michaelson, Rob Harris, Vivian Van Zyl, Esther Pigg, Marty Romain
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Patent number: 11196743Abstract: A telecommunications network server system provides a digital identifier to a user device. The digital identifier may include identification data corresponding to a user of the user device. In addition, the telecommunications network server system receives, from one or more third-party systems, requests to authenticate the user for an electronic transaction with the respective third-party system. The telecommunications network server system provides a unique electronic transaction code to each third-party system. Responsive to receiving from the user device one of the unique electronic transaction codes, the telecommunications network server system provides, to the respective third-party system, authentication of the user.Type: GrantFiled: January 5, 2018Date of Patent: December 7, 2021Assignees: Fidelity Information Services, Inc., Equifax, Inc.Inventors: Helcio Cano, Rich Huffman, Ravindra Bijlani, Richard Michaelson, Rob Harris, Vivian Van Zyl, Esther Pigg, Marty Romain
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Publication number: 20210336955Abstract: The present disclosure involves systems and methods for identity authentication across multiple institutions using a trusted mobile device as a proxy for a user login. In one example, the operations include identifying a request to trust a particular user associated with a first entity in a digital ID network. A set of personally identifiable information (PII) associated with the user is obtained via the first entity and an identity verification (IDV)/fraud risk analysis is performed. In response to satisfying the analysis, instructions are transmitted to the user to verify the identity via a mobile trust application on an associated mobile device. Upon verification, the mobile device is bound to the user within the digital ID network along with a digital ID associated with the particular user. The digital ID can be used by other entities registered within the digital ID network to authenticate the user.Type: ApplicationFiled: July 9, 2021Publication date: October 28, 2021Inventors: Richard Huffman, Richard Michaelson, Ravindra Bijlani, Shriram Salem, Rob Harris, Vivian Van Zyl, Helcio Cano, Gaurav R. Khanna, Esther Pigg, Marty Romain
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Patent number: 11095643Abstract: The present disclosure involves systems and methods for identity authentication across multiple institutions using a trusted mobile device as a proxy for a user login. In one example, the operations include identifying a request to trust a particular user associated with a first entity in a digital ID network. A set of personally identifiable information (PII) associated with the user is obtained via the first entity and an identity verification (IDV)/fraud risk analysis is performed. In response to satisfying the analysis, instructions are transmitted to the user to verify the identity via a mobile trust application on an associated mobile device. Upon verification, the mobile device is bound to the user within the digital ID network along with a digital ID associated with the particular user. The digital ID can be used by other entities registered within the digital ID network to authenticate the user.Type: GrantFiled: February 16, 2018Date of Patent: August 17, 2021Assignees: FIDELITY INFORMATION SERVICES, LLC, EQUIFAX, INC.Inventors: Richard Huffman, Richard Michaelson, Ravindra Bijlani, Shriram Salem, Rob Harris, Vivian Van Zyl, Helcio Cano, Gaurav R. Khanna, Esther Pigg, Marty Romain
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Publication number: 20200403992Abstract: The present disclosure involves systems and methods for identity authentication across multiple institutions using a trusted mobile device as a proxy for a user login. In one example, the operations include identifying a request to trust a particular user associated with a first entity in a digital ID network. A set of personally identifiable information (PII) associated with the user is obtained via the first entity and an identity verification (IDV)/fraud risk analysis is performed. In response to satisfying the analysis, instructions are transmitted to the user to verify the identity via a mobile trust application on an associated mobile device. Upon verification, the mobile device is bound to the user within the digital ID network along with a digital ID associated with the particular user. The digital ID can be used by other entities registered within the digital ID network to authenticate the user.Type: ApplicationFiled: February 16, 2018Publication date: December 24, 2020Inventors: Richard Huffman, Richard Michaelson, Ravindra Bijlani, Shriram Salem, Rob Harris, Vivian Van Zyl, Helcio Cano, Gaurav R. Khanna, Esther Pigg, Marty Romain
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Publication number: 20200092287Abstract: A telecommunications network server system provides a digital identifier to a user device. The digital identifier may include identification data corresponding to a user of the user device. In addition, the telecommunications network server system receives, from one or more third-party systems, requests to authenticate the user for an electronic transaction with the respective third-party system. The telecommunications network server system provides a unique electronic transaction code to each third-party system. Responsive to receiving from the user device one of the unique electronic transaction codes, the telecommunications network server system provides, to the respective third-party system, authentication of the user.Type: ApplicationFiled: January 5, 2018Publication date: March 19, 2020Applicants: EQUIFAX, INC., FIDELITY INFORMATION SERVICES, LLCInventors: Helcio CANO, Rich HUFFMAN, Ravindra BIJLANI, Richard MICHAELSON, Rob HARRIS, Vivian VAN ZYL, Esther PIGG, Marty ROMAIN
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Publication number: 20190378100Abstract: A method including receiving a funds transfer request from a sender through a computer network to facilitate a transfer of funds to a recipient. The method also can include determining that the recipient is not a registered user of the computer-implemented funds transfer payment network. The method additionally can include automatically transmitting an invitation to the recipient to join the computer-implemented funds transfer payment network. The invitation can be directed to the recipient using the token for the recipient from the funds transfer request by sending the invitation to the recipient using the token. The method further can include receiving a response to the invitation from the recipient. The method additionally can include collecting identifying information that identifies the recipient. The method further can include creating a record for the recipient in a database of registered users contained in the computer-implemented funds transfer payment network.Type: ApplicationFiled: August 26, 2019Publication date: December 12, 2019Applicant: Early Warning Services, LLCInventors: Sri Saravana Muthu, John G. Feldman, Esther Pigg, Jeffrey Cornman, Alfonso McMillian
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Patent number: 10395223Abstract: A method for facilitating transfer of funds from a sender to a recipient, the method comprising: receiving a funds transfer request from the sender having a first account at a first financial institution, determining that the recipient is not registered with the payment network, transmitting an invitation to the recipient to join the payment network, receiving the token from the recipient in response to the invitation, collecting identifying information from the recipient including information, including an account number, regarding the second account, creating a first record for the recipient in a database of registered users, and creating a second record for the recipient in an out-of-network database, the second record including the account number for the second account.Type: GrantFiled: March 1, 2013Date of Patent: August 27, 2019Assignee: EARLY WARNING SERVICES, LLCInventors: Sri Saravana Muthu, John G. Feldman, Esther Pigg, Jeffrey Cornman, Alfonso McMillian
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Publication number: 20130238492Abstract: A method for facilitating transfer of funds from a sender to a recipient, the method comprising: receiving a funds transfer request from the sender having a first account at a first financial institution, determining that the recipient is not registered with the payment network, transmitting an invitation to the recipient to join the payment network, receiving the token from the recipient in response to the invitation, collecting identifying information from the recipient including information, including an account number, regarding the second account, creating a first record for the recipient in a database of registered users, and creating a second record for the recipient in an out-of-network database, the second record including the account number for the second account.Type: ApplicationFiled: March 1, 2013Publication date: September 12, 2013Applicant: CLEARXCHANGE, LLCInventors: Sri Saravana Muthu, John G. Feldman, Esther Pigg, Jeffrey Cornman, Alfonso McMillian