Patents by Inventor Michael J. Huffman

Michael J. Huffman 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).

  • Patent number: 11210670
    Abstract: A method including collecting transactional information from a mobile application on the mobile device. The mobile device can be used by a user to initiate an activity at a risk moment. The method also can include aggregating a set of risk signals. The method additionally can include obtaining a first set of risk rules for a model specific to the activity requested by the user. Each risk rule of the first set of risk rules can define weights when the risk rule is triggered based on one or more risk signals of the set of risk signals. The method further can include executing a risk engine using the first set of risk rules for the model and using the set of risk signals to generate a risk score. The risk score can be based on the weights of triggered risk rules of the first set of risk rules. The method additionally can include generating a disposition based on a comparison of the risk score to one or more predefined thresholds scores for the model.
    Type: Grant
    Filed: February 28, 2018
    Date of Patent: December 28, 2021
    Assignee: EARLY WARNING SERVICES, LLC
    Inventors: Ravi Loganathan, Ronald Scott Alcorn, Michael J. Huffman, Gregory D. Slowiak, Angela M. Montoya
  • Publication number: 20180247312
    Abstract: A method including collecting transactional information from a mobile application on the mobile device. The mobile device can be used by a user to initiate an activity at a risk moment. The method also can include aggregating a set of risk signals. The method additionally can include obtaining a first set of risk rules for a model specific to the activity requested by the user. Each risk rule of the first set of risk rules can define weights when the risk rule is triggered based on one or more risk signals of the set of risk signals. The method further can include executing a risk engine using the first set of risk rules for the model and using the set of risk signals to generate a risk score. The risk score can be based on the weights of triggered risk rules of the first set of risk rules. The method additionally can include generating a disposition based on a comparison of the risk score to one or more predefined thresholds scores for the model.
    Type: Application
    Filed: February 28, 2018
    Publication date: August 30, 2018
    Applicant: Early Warning Services, LLC
    Inventors: Ravi Loganathan, Joseph S. Quickle, Ronald Scott Alcorn, Michael J. Huffman, Gregory D. Slowiak, Angela M. Montoya