Patents by Inventor Betty Chan-Bauza
Betty Chan-Bauza 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: 20200210988Abstract: 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: ApplicationFiled: December 30, 2019Publication date: July 2, 2020Applicant: Early Warning Services, LLCInventors: Eric Woodward, Rodger Desai, Aaron Bartrim, Betty Chan-Bauza
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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: 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: 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: 10264454Abstract: 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.Type: GrantFiled: June 11, 2018Date of Patent: April 16, 2019Assignee: Early Warning Services, LLCInventors: Eric Woodward, Aaron Bartrim, Betty Chan-Bauza, Rodger Desai, Matt Brown, Chris Cunningham
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Publication number: 20180359636Abstract: 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.Type: ApplicationFiled: June 11, 2018Publication date: December 13, 2018Inventors: Eric Woodward, Aaron Bartrim, Betty Chan-Bauza, Rodger Desai, Matt Brown, Chris Cunningham
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Patent number: 10015670Abstract: 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.Type: GrantFiled: July 13, 2015Date of Patent: July 3, 2018Assignee: Early Warning Services, LLCInventors: Eric Woodward, Aaron Bartrim, Betty Chan-Bauza, Rodger Desai, Matt Brown, Chris Cunningham
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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: 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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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: 20160014603Abstract: 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.Type: ApplicationFiled: July 13, 2015Publication date: January 14, 2016Applicant: Early Warning Services, LLCInventors: Eric Woodward, Aaron Bartrim, Betty Chan-Bauza, Rodger Desai, Matt Brown, Chris Cunningham