Patents by Inventor James R. Mortensen
James R. Mortensen 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: 11151566Abstract: A method including receiving an inquiry from a provider to authenticate a provisioning of an account to a mobile wallet. The method also can include determining device ownership information for a mobile device that operates the mobile wallet, account ownership information for the account, device risk information associated with the mobile device, and account risk information associated with the account. The method additionally can include determining an ownership correlation between the device ownership information and the account ownership information. The method further can include generating a fraud risk level by applying business rules and one or more statistical modeling techniques. The method additionally can include providing a response to the provider based on the fraud risk level. Other embodiments are provided.Type: GrantFiled: September 19, 2017Date of Patent: October 19, 2021Assignee: EARLY WARNING SERVICES, LLCInventors: Betty Chan-Bauza, James R. Mortensen, Aaron Bartrim, Eric Woodward, Hal Granoff, Mark Pender, Ryan Riveland
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Patent number: 11151567Abstract: 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.Type: GrantFiled: September 19, 2017Date of Patent: October 19, 2021Assignee: EARLY WARNING SERVICES, LLCInventors: Betty Chan-Bauza, James R. Mortensen, Aaron Bartrim, Eric Woodward, Hal Granoff, Mark Pender, Ryan Riveland
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Patent number: 11144928Abstract: 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.Type: GrantFiled: September 19, 2017Date of Patent: October 12, 2021Assignee: EARLY WARNING SERVICES, LLCInventors: Betty Chan-Bauza, James R. Mortensen, Aaron Bartrim, Eric Woodward, Hal Granoff, Mark Pender, Ryan Riveland
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Publication number: 20180082301Abstract: A method including receiving an inquiry from a provider to authenticate a provisioning of an account to a mobile wallet. The method also can include determining device ownership information for a mobile device that operates the mobile wallet, account ownership information for the account, device risk information associated with the mobile device, and account risk information associated with the account. The method additionally can include determining an ownership correlation between the device ownership information and the account ownership information. The method further can include generating a fraud risk level by applying business rules and one or more statistical modeling techniques. The method additionally can include providing a response to the provider based on the fraud risk level. Other embodiments are provided.Type: ApplicationFiled: September 19, 2017Publication date: March 22, 2018Applicant: Early Warning Services, LLCInventors: Betty Chan-Bauza, James R. Mortensen, Aaron Bartrim, Eric Woodward, Hal Granoff, Harj Dodd, Mark Pender, Ryan Riveland
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Publication number: 20180082302Abstract: 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.Type: ApplicationFiled: September 19, 2017Publication date: March 22, 2018Applicant: Early Warning Services, LLCInventors: Betty Chan-Bauza, James R. Mortensen, Aaron Bartrim, Eric Woodward, Hal Granoff, Harj Dodd, Mark Pender, Ryan Riveland
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Publication number: 20180082303Abstract: 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.Type: ApplicationFiled: September 19, 2017Publication date: March 22, 2018Applicant: Early Warning Services, LLCInventors: Betty Chan-Bauza, James R. Mortensen, Aaron Bartrim, Eric Woodward, Hal Granoff, Harj Dodd, Mark Pender, Ryan Riveland
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Patent number: 9836510Abstract: Identity data for an applicant opening a bank account is provided to an ID confidence scoring system. The scoring system accesses a multi-source data management system, using queries that include a base component, a link component and a function component. Data records maintained by the multi-source data management system include header data having identity data elements, with the header data analyzed pursuant to the queries. Queries may also be provided to an entity resolution system having data records organized in data networks, each data network corresponding to a single entity. Query results are used to develop an ID confidence score for applicant identity data.Type: GrantFiled: December 22, 2014Date of Patent: December 5, 2017Assignee: Early Warning Services, LLCInventors: Robin Love, James R. Mortensen, Jie He, Dan Hayden, Laura Weinflash, Jinghong Qi, Robert Hill, James Napier
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Publication number: 20160179806Abstract: Identity data for an applicant opening a bank account is provided to an ID confidence scoring system. The scoring system accesses a multi-source data management system, using queries that include a base component, a link component and a function component. Data records maintained by the multi-source data management system include header data having identity data elements, with the header data analyzed pursuant to the queries. Queries may also be provided to an entity resolution system having data records organized in data networks, each data network corresponding to a single entity. Query results are used to develop an ID confidence score for applicant identity data.Type: ApplicationFiled: December 22, 2014Publication date: June 23, 2016Applicant: EARLY WARNING SERVICES, LLCInventors: James R. Mortensen, Jie He, Dan Hayden, Laura Weinflash, Jinghong Qi, Robert Hill, James Napier