Patents by Inventor Harj Dodd

Harj Dodd 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).

  • Publication number: 20180082301
    Abstract: 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: Application
    Filed: September 19, 2017
    Publication date: March 22, 2018
    Applicant: Early Warning Services, LLC
    Inventors: Betty Chan-Bauza, James R. Mortensen, Aaron Bartrim, Eric Woodward, Hal Granoff, Harj Dodd, Mark Pender, Ryan Riveland
  • Publication number: 20180082303
    Abstract: 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: Application
    Filed: September 19, 2017
    Publication date: March 22, 2018
    Applicant: Early Warning Services, LLC
    Inventors: Betty Chan-Bauza, James R. Mortensen, Aaron Bartrim, Eric Woodward, Hal Granoff, Harj Dodd, Mark Pender, Ryan Riveland
  • Publication number: 20180082302
    Abstract: 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: Application
    Filed: September 19, 2017
    Publication date: March 22, 2018
    Applicant: Early Warning Services, LLC
    Inventors: Betty Chan-Bauza, James R. Mortensen, Aaron Bartrim, Eric Woodward, Hal Granoff, Harj Dodd, Mark Pender, Ryan Riveland