Patents Assigned to Early Warning Service, LLC
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Patent number: 10552823Abstract: 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.Type: GrantFiled: March 27, 2017Date of Patent: February 4, 2020Assignee: Early Warning Services, LLCInventors: Eric Woodward, Rodger Desai, Aaron Bartrim, Betty Chan-Bauza
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Patent number: 10546149Abstract: 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.Type: GrantFiled: December 9, 2014Date of Patent: January 28, 2020Assignee: Early Warning Services, LLCInventor: Michael Cook
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Publication number: 20200004989Abstract: 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.Type: ApplicationFiled: September 6, 2019Publication date: January 2, 2020Applicant: Early Warning Services, LLCInventors: Lester Leland Lockhart, III, David Hugh Munson, Gregor R. Bonin, Michael Cook
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Publication number: 20190378182Abstract: A method can include receiving, at the system and from a first entity, a first request for invoicing a user. The first request can have been initiated by a user request of the user in a mobile application running on a mobile device. The method also can include sending, from the system and to a billing entity, a second request for invoicing the user based at least in part on the first request, the second request comprising a public identifier of the user. The method additionally can include, after sending the second request, receiving, at the system and from the billing entity, first information regarding an invoice for the user to pay the billing entity. The method further can include sending, from the system and to the first entity, second information for displaying an interactive invoice to the user. The second information can be based at least in part on the first information.Type: ApplicationFiled: July 22, 2019Publication date: December 12, 2019Applicant: Early Warning Services, LLCInventors: Laura Weinflash, Lou Anne Alexander
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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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Publication number: 20190378132Abstract: A method including receiving, by a computer system over a computer network from a recipient financial institution, (i) a public identifier associated with a recipient and (ii) a private profile identifier that was generated by the recipient financial institution. The method also can include storing, by the computer system, a record including the public identifier and the private profile identifier in an information directory. The method additionally can include receiving, by the computer system over the computer network, a funds transfer request to transfer funds from a sender account of the sender at a sender financial institution to the recipient account at the recipient financial institution. The method further can include determining, by the computer system, the private profile identifier for the recipient based on the public identifier in the funds transfer request and using the record stored in the information directory.Type: ApplicationFiled: August 26, 2019Publication date: December 12, 2019Applicant: Early Warning Services, LLCInventors: Clinton Gilliam, III, Melissa Lowry, Michael Joseph Kennedy, Sergei Lilichenko
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Patent number: 10504174Abstract: Account data (e.g., balance information) for accounts at a plurality of financial institutions (or government agencies) is stored (and updated) in a central database system and accessed using a personal identifier, such as a social security number. Risk data may be generated for accounts based on the account data. The account data and risk data are accessed in response to either an account search request (e.g., from a government entity and relating to a benefits program or a subpoena) or an account verification request (e.g. from a mortgage company and relating to a mortgage application).Type: GrantFiled: March 14, 2016Date of Patent: December 10, 2019Assignee: Early Warning Services, LLCInventors: Ravi Loganathan, Ronald Scott Alcorn, Sandra Letterly, James Kaufman, Laura Weinflash
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Patent number: 10506435Abstract: 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 the 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.Type: GrantFiled: February 27, 2019Date of Patent: December 10, 2019Assignee: Early Warning Services, LLCInventors: Eric Woodward, Aaron Bartrim, Betty Chan-Bauza, Rodger Desai, Matt Brown, Chris Cunningham
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Publication number: 20190349767Abstract: Provided is a method for operating an authentication server for authenticating a user who is communicating with an enterprise via a network. The method includes receiving, via the network, a first authenticator including first information from a low energy wireless device received via a user device wirelessly, and storing the first authenticator. When the authentication service later receives, from the enterprise, a request to authenticate the user, the authentication server transmits an authentication request to the user device via the network requesting that the user read information from the low energy wireless device using the user device. The information received from the low energy wireless device in response to the authentication request is then used to authenticate the user by comparing the information received from the low energy wireless device due to the authentication request with the stored first authenticator.Type: ApplicationFiled: July 24, 2019Publication date: November 14, 2019Applicant: Early Warning Services, LLCInventor: Andrew Robert Rolfe
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Publication number: 20190318354Abstract: 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, from a first entity, a first request to pay a second entity. The first request can include (a) an account identifier of an account of the first entity at the second entity, (b) a payment amount, and (c) a preauthorization by the first entity to pay the payment amount to the second entity. The acts also can include sending a second request to the second entity based on the first request. The acts additionally can include receiving, from the second entity, an invoice for the first entity for the payment amount.Type: ApplicationFiled: June 26, 2019Publication date: October 17, 2019Applicant: Early Warning Services, LLCInventors: Laura Weinflash, Lou Anne Alexander
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Publication number: 20190295052Abstract: A method including registering, by a computer system of a second financial institution, a recipient using at least one public identifier. The method also can include receiving an expedited funds transfer message. The method additionally can include determining the account number of the recipient account using the private identifier. The method further can include, before the second financial institution receives the sender funds, the second financial institution providing the recipient funds to the recipient account using the account number of the recipient account before the second financial institution receives the sender funds. The method additionally can include notifying the recipient, using at least one of the at least one public identifier, that a payment has been provided to the recipient account in real-time after initiation of the expedited funds transfer message from the first financial institution. Other embodiments are disclosed.Type: ApplicationFiled: June 10, 2019Publication date: September 26, 2019Applicant: Early Warning Services, LLCInventors: Sri Saravana Muthu, Jeffrey Cornman, Michael Joseph Kennedy, Sergei Lilichenko, Melissa Lowry, Clinton Gilliam
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Publication number: 20190266355Abstract: In some embodiments, a compromised data exchange system may include an interface configured to couple to a network, a processor, and a memory accessible to the processor. The memory may be configured to store instructions that, when executed, cause the processor to extract data from one or more websites using a crawler, detect portions within the data that resemble personally identifying information (PO) data based on PII data patterns using a risk assessment module, and to compare a detected portion to data within a database of disassociated compromised PII data to determine a match using the risk assessment module. The instructions may further cause the processor to selectively assign a risk score to a data item within the database in response to determining the match using a risk scoring module.Type: ApplicationFiled: February 4, 2019Publication date: August 29, 2019Applicant: Early Warning Services, LLCInventors: Lester Leland Lockhart, III, David Hugh Munson, Gregor R. Bonin, Michael Cook
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Publication number: 20190260746Abstract: Provided is a method for authenticating a user communicating with an enterprise via a network. The method includes receiving, via the network, authenticators for a user from a first user device associated with the user, and storing the received authenticators. A first authenticator from the stored authenticators is selected to be used for authenticating the user based on an authentication policy received from the enterprise. An authentication request is transmitted to a user device requesting the first authenticator and the user is authentication by by comparing the received authenticator with the stored first authenticator.Type: ApplicationFiled: February 5, 2019Publication date: August 22, 2019Applicant: Early Warning Services, LLCInventors: ANDREW ROBERT ROLFE, Alan Dundas, Gregory Slowiak
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Publication number: 20190251534Abstract: A transaction authentication system authenticates a transaction by determining whether a mobile device and POS device involved in the transaction are at the same location. A POS registry stores location data for POS devices. A PAN registry stores mobile device IDs corresponding to account numbers. A mobile device ID can be provided from the PAN registry in response to receiving an account number from a POS device. The mobile device ID can then be used to retrieve location information from a home location register maintained by a mobile service provider. The retrieved location data for a POS device and the retrieved location data for a mobile device are compared.Type: ApplicationFiled: April 24, 2019Publication date: August 15, 2019Applicant: Early Warning Services, LLCInventors: Rodger R. Desai, Eric Woodward
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Publication number: 20190213587Abstract: Described herein are systems and methods for securely obtaining payment information from a recipient on a payer's mobile device within an application on the payer's mobile device. The securely obtained information can be decrypted in the application, and the recipient information can be extracted. The extracted recipient information can be validated and used by the application to initiate a fund transfer to the recipient's account from the payer's account. The application can include a user interface that can allow the payer to anonymize the payment, securing the privacy of the payer.Type: ApplicationFiled: January 11, 2018Publication date: July 11, 2019Applicant: Early Warning Services, LLCInventors: Ming Chen, Andy Rolfe
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Patent number: 10346620Abstract: An authentication method includes receiving a single electronic file of member data elements from multiple member data sources. The method can include extracting the member data elements from the single electronic file, populating an authentication database with the member data elements, and periodically receiving an update of the member data elements. The update can be used to refresh the authentication database. The method can include receiving non-member data elements from multiple non-member data sources, and updating the authentication database with the non-member data elements. The method can further include receiving a request for authentication for one or more queried data elements corresponding to a supplied identification data element. The method can include determining an authentication response for each of the queried data elements based on the authentication database.Type: GrantFiled: December 13, 2017Date of Patent: July 9, 2019Assignee: Early Warning Service, LLCInventors: Glen Sgambati, Robert Perrotta, Rich Mayo
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Publication number: 20190200227Abstract: 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 the 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.Type: ApplicationFiled: February 27, 2019Publication date: June 27, 2019Applicant: Early Warning Services, LLCInventors: Eric Woodward, Aaron Bartrim, Betty Chan-Bauza, Rodger Desai, Matt Brown, Chris Cunningham
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Patent number: 10319028Abstract: A network includes an account status system for checking the status of checking accounts used to make payments, and a payment account monitoring system that includes linking files that store, for individual credit card accounts, the account numbers for checking accounts used to pay the credit card accounts. The monitoring system periodically retrieves checking account numbers from the linking files and checks the account numbers at the status system. If a negative status is indicated at the status system, an alert is provided to the credit card company.Type: GrantFiled: June 1, 2011Date of Patent: June 11, 2019Assignee: Early Warning Services, LLCInventor: Paul Finch
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Patent number: 10304042Abstract: A transaction authentication system authenticates a transaction by determining whether a mobile device and POS device involved in the transaction are at the same location. A POS registry stores location data for POS devices. A PAN registry stores mobile device IDs corresponding to account numbers. A mobile device ID can be provided from the PAN registry in response to receiving an account number from a POS device. The mobile device ID can then be used to retrieve location information from a home location register maintained by a mobile service provider. The retrieved location data for a POS device and the retrieved location data for a mobile device are compared.Type: GrantFiled: November 6, 2015Date of Patent: May 28, 2019Assignee: Early Warning Services, LLCInventors: Rodger R. Desai, Eric Woodward
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Patent number: D868812Type: GrantFiled: February 16, 2018Date of Patent: December 3, 2019Assignee: Early Warning Services, LLCInventors: Daniel Schwer, Michael Iseri, Joan Winter, Jennie Perri, Michael Dillingham, Jennifer Tank, Laura M Frastaci