|
Résultats pour
brevets
1.
|
SECURE REAL-TIME PAYMENT TRANSACTIONS
Numéro de document |
03229282 |
Statut |
En instance |
Date de dépôt |
2016-04-05 |
Date de disponibilité au public |
2017-01-26 |
Propriétaire |
EARLY WARNING SERVICES, LLC (USA)
|
Inventeur(s) |
- Finch, Paul
- Alexander, Lou Anne
|
Abrégé
A method can include receiving, at a first financial institution from a mobile device of a consumer, a first request to pay a merchant for a payment amount from a first account of the consumer maintained by the first financial institution. The method also can include determining, at the first financial institution, second information including an account identifier of a second account of the merchant maintained by a second financial institution, at least partially based on the merchant identifier and third information obtained from a first system. The method additionally can include authorizing, at the first financial institution, a payment from the first account to the second account. The method further can include sending, from the first financial institution to the first system, payment information regarding a deposit to be made in the second account from the first account. Other embodiments are provided.
|
2.
|
SECURE REAL-TIME PAYMENT TRANSACTIONS
Numéro de document |
02992421 |
Statut |
Délivré - en vigueur |
Date de dépôt |
2016-04-05 |
Date de disponibilité au public |
2017-01-26 |
Date d'octroi |
2024-03-26 |
Propriétaire |
EARLY WARNING SERVICES, LLC (USA)
|
Inventeur(s) |
- Finch, Paul
- Alexander, Lou Anne
|
Abrégé
A method can include receiving, at a first financial institution from a mobile device of a consumer, a first request to pay a merchant for a payment amount from a first account of the consumer maintained by the first financial institution. The method also can include determining, at the first financial institution, second information including an account identifier of a second account of the merchant maintained by a second financial institution, at least partially based on the merchant identifier and third information obtained from a first system. The method additionally can include authorizing, at the first financial institution, a payment from the first account to the second account. The method further can include sending, from the first financial institution to the first system, payment information regarding a deposit to be made in the second account from the first account. Other embodiments are provided.
Classes IPC ?
- G06Q 20/08 - Architectures de paiement
- G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
- G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
- G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
|
3.
|
SYSTEMS AND METHODS FOR FACILITATING A SECURE TRANSACTION AT A NON-FINANCIAL INSTITUTION SYSTEM
Numéro de document |
02992457 |
Statut |
Délivré - en vigueur |
Date de dépôt |
2016-07-13 |
Date de disponibilité au public |
2017-01-19 |
Date d'octroi |
2021-12-21 |
Propriétaire |
EARLY WARNING SERVICES, LLC (USA)
|
Inventeur(s) |
- Gilliam, Clinton, Iii
- Lowry, Melissa
- Kennedy, Michael Joseph
- Lilichenko, Sergei
|
Abrégé
The systems and methods discussed herein relate to securely transferring funds over a private network. Receiving transaction data related to a fund transfer including a tokenized financial instrument, providing to a sender financial institution the tokenized financial instrument to enable the sender financial institution to de-tokenize the tokenized financial instrument and identify an account of the sender, receiving a sender private identifier generated by the sender financial institution, providing to the sender financial institution the transfer amount of the fund transfer to enable the sender financial institution to transfer funds, providing a transaction identifier and a recipient private identifier to the recipient financial institution to enable the recipient financial institution to receive an ACH message from the sender financial institution over the ACH network, the ACH message indicating payment from the sender financial institution to the recipient financial institution to perform the fund transfer with funds over the ACH network.
Classes IPC ?
- G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
- G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
- G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
|
4.
|
SECURE AUTHENTICATION IN A MULTI-PARTY SYSTEM
Numéro de document |
02873695 |
Statut |
Délivré - en vigueur |
Date de dépôt |
2013-03-28 |
Date de disponibilité au public |
2013-10-10 |
Date d'octroi |
2019-10-01 |
Propriétaire |
EARLY WARNING SERVICES, LLC (USA)
|
Inventeur(s) |
- Neuman, Michael
- Neuman, Diana
|
Abrégé
A network user is authenticated to another network entity by using a first program to receive user input validation information, and store a user credential. A second program receives information, such as a random number, from the other entity. The first program receives an input transferring the information to it, transmits the information to the authentication server, and receives an identifier of the other entity, other information, and authentication policy requirements from the authentication server. It then transmits the input validation information corresponding to the received authentication policy requirements to the authentication server, and in response receives a request for a user credential. It signs a message, including the transferred information and the received other information, with the stored user credential, and transmits the signed message to the authentication server to authenticate the user.
Classes IPC ?
- H04L 9/32 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
- H04L 9/06 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité l'appareil de chiffrement utilisant des registres à décalage ou des mémoires pour le codage par blocs, p.ex. système DES
|
5.
|
SYSTEM AND METHOD FOR SUSPECT ENTITY DETECTION AND MITIGATION
Numéro de document |
02828751 |
Statut |
Délivré - en vigueur |
Date de dépôt |
2012-03-01 |
Date de disponibilité au public |
2012-09-07 |
Date d'octroi |
2019-04-02 |
Propriétaire |
EARLY WARNING SERVICES, LLC (USA)
|
Inventeur(s) |
- Love, Robin S.
- Sgambati, Glen
- Wedgeworth, Frederick
- Winters, Mary
- Lockwood, Lucius L.
|
Abrégé
A plurality of institutions (such as financial institutions) contribute data to a data analysis and linking system. The system analyzes the data to create data nodes (records) associated with an entity, where the entity may be, for example, a person/individual, business, organization, account, address, telephone number, etc. After data is linked, and in order to retrieve linked data, a requester may provide to the system an identifier associated with an entity. The linked data provided by the system in response to the identifier may be in the form of a network of data nodes associated with the entity and for use in assessing risk, such as risk associated with a transaction being conducted by a person. The linked data may also be analyzed at the system to score risk associated with the entity, and the risk score provided in conjunction with or in lieu of the network of data nodes.
|
6.
|
SYSTEM AND METHOD FOR DETECTING FRAUDULENT ACCOUNT ACCESS AND TRANSFERS
Numéro de document |
02821095 |
Statut |
Délivré - en vigueur |
Date de dépôt |
2011-12-14 |
Date de disponibilité au public |
2012-06-21 |
Date d'octroi |
2018-10-02 |
Propriétaire |
EARLY WARNING SERVICES, LLC (USA)
|
Inventeur(s) |
- Weinflash, Laura E.
- Simm, Janis E.
- Qi, Jinghong
|
Abrégé
Transfers of money into a recipient account are analyzed for risk of fraud by using a fraud monitoring system to analyze characteristics of the recipient account. The recipient account characteristics are stored in a central database, which has account data (for recipient accounts) contributed from a plurality of financial institutions that maintain such accounts. When a transfer is made or attempted, the stored characteristics of the recipient account are analyzed and a risk score is assigned to the transfer based on the recipient account. If the risk score indicates a suspicious or fraudulent transaction, an alert is provided. In an alternative embodiment, the risk analysis may be supplemented by analysis of transaction data association with the transfer.
Classes IPC ?
- G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
|
7.
|
A NEW METHOD FOR SECURE USER AND TRANSACTION AUTHENTICATION AND RISK MANAGEMENT
Numéro de document |
02787921 |
Statut |
Délivré - en vigueur |
Date de dépôt |
2011-01-26 |
Date de disponibilité au public |
2011-08-04 |
Date d'octroi |
2020-03-24 |
Propriétaire |
EARLY WARNING SERVICES, LLC (USA)
|
Inventeur(s) |
Ganesan, Ravi
|
Abrégé
To provide a user signature on a network transaction, a security server receives transaction information representing a transaction between a network user and a network site, such as a website, directly from the network site. The security server calculates a one-time- password based on the received transaction information and a secret shared by the security server and the network site, but not by the user. The security server transmits the calculated one-time-password for application as the user's signature on the transaction. The one-time- password is independently calculable by the network site based on the shared secret.
Classes IPC ?
- H04L 9/32 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
|
8.
|
PAYMENT ACCOUNT MONITORING SYSTEM AND METHOD
Numéro de document |
02691845 |
Statut |
Délivré - en vigueur |
Date de dépôt |
2008-06-24 |
Date de disponibilité au public |
2009-01-08 |
Date d'octroi |
2016-08-02 |
Propriétaire |
EARLY WARNING SERVICES, LLC (USA)
|
Inventeur(s) |
Finch, Paul
|
Abrégé
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.
|
9.
|
IDENTITY VERIFICATION SWITCH
Numéro de document |
02614991 |
Statut |
Délivré - en vigueur |
Date de dépôt |
2006-06-27 |
Date de disponibilité au public |
2007-01-25 |
Date d'octroi |
2016-09-20 |
Propriétaire |
EARLY WARNING SERVICES, LLC (USA)
|
Inventeur(s) |
- Mayo, Richard
- Sgambati, Glen
- Perrotta, Robert
|
Abrégé
Methods, systems, and machine-readable media are disclosed for an identity verification switch. According to one embodiment, the method comprises receiving from an inquirer a request to verify an identity of an individual initiating a transaction. The request includes account information for an account subject to the transaction and identity information for the individual initiating the transaction. Based on the request, a verifying financial institution is selected from one or more participating financial institutions. The request is forwarded to the verifying financial institution for verification of the identity information. An answer is received from the verifying financial institution indicating results of verification of the identity information. The answer is returned to the inquirer.
Classes IPC ?
- G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
|
10.
|
IDENTIFICATION AND RISK EVALUATION
Numéro de document |
02615683 |
Statut |
Délivré - en vigueur |
Date de dépôt |
2006-06-15 |
Date de disponibilité au public |
2007-01-04 |
Date d'octroi |
2014-12-16 |
Propriétaire |
EARLY WARNING SERVICES, LLC (USA)
|
Inventeur(s) |
- Mcnelley, Julie
- Talbert, Ryan
- Gross, Mike
|
Abrégé
Methods, systems, and machine-readable media are disclosed for identification of an individual and evaluation of risk from doing business with that individual. In one embodiment a method of evaluating a risk from conducting business with an individual comprises receiving identity information related to the individual. The identity information includes information from an identity credential presented by the individual. The identity credential is validated based on the information from the identity credential and one or more positive databases. An identity of the individual is verified based on the identity information and the one or more positive databases. The identity information is screened against one or more negative databases indicating past losses to one or more entities. Results of the screening are reported based on one or more criteria of an entity considering doing business with the individual.
Classes IPC ?
- G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
- G06Q 50/18 - Services juridiques; Maniement de documents juridiques
|
11.
|
NEGOTIABLE INSTRUMENT AUTHENTICATION SYSTEMS AND METHODS
Numéro de document |
02602317 |
Statut |
Délivré - en vigueur |
Date de dépôt |
2006-03-06 |
Date de disponibilité au public |
2006-09-28 |
Date d'octroi |
2016-11-15 |
Propriétaire |
EARLY WARNING SERVICES, LLC (USA)
|
Inventeur(s) |
- Sgambati, Glen
- Perrotta, Robert
- Mayo, Rich
|
Abrégé
Systems, methods, and databases are disclosed for authenticating negotiable instruments. In one embodiment, the method comprises receiving, at an authentication system, a plurality of data values associated with a negotiable instrument, the plurality of data values including an image security feature and an account. The method further comprises obtaining account decoding information from an account verification databases, the account verification database including decoding information for each of a plurality of financial institutions; decoding the image security feature using the account decoding information; obtaining one or more verification values from the decoded image security feature; comparing each of the verification values to a corresponding one of the data values; and transmitting a result communication indicating a result of the comparison.
Classes IPC ?
- G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
|
|