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Early Warning Services Llc patents


Recent patent applications related to Early Warning Services Llc. Early Warning Services Llc is listed as an Agent/Assignee. Note: Early Warning Services Llc may have other listings under different names/spellings. We're not affiliated with Early Warning Services Llc, we're just tracking patents.

ARCHIVE: New 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 | Company Directory "E" | Early Warning Services Llc-related inventors


System and method for person-to-person payments

A person-to-person (p2p) payment system provides payment from a payer to a payee without the payer identifying a payee payment receiving preference, such as the payee account into which funds are to be posted. The payment system includes a setup system for setting up payment between the payer and the payee and a messaging system for handling messages between the payer and the payment system and the payee and the payment system, including communications with the payee by way of a payee phone number or email address provided by the payer. ... Early Warning Services Llc

Multi-database system for storing data from multiple data sources

A plurality of banks of first deposit provide checking account activity data for both transit items (checks received for deposit that need to be cleared) and incoming returns (bounced checks) to a statistical model which determines from the data the likelihood that a check from a specific checking account will be returned. This data is used to populate a database of checking accounts to be used for making check risk decisions, such as check hold policy decisions, check acceptance decisions, and open to buy decisions.. ... Early Warning Services Llc

System and method using multiple profiles and scores for assessing financial transaction risk

In response to a request for risk assessment of a person-to-person (p2p) payment transaction, a risk assessment system returns a payer risk score, a payee risk score and a joint/fusion risk score. Risk scores are based on large amounts of data (including transaction data) provided by multiple financial institutions. ... Early Warning Services Llc

Secure real-time transactions

A method including determining, at a point-of-sale terminal at a store of a merchant, a payment amount for one or more items to be purchased from the merchant by a consumer in a transaction. The method also can include generating a transaction code including a merchant public identifier, the payment amount, a transaction identifier for the transaction, and a digital signature. ... Early Warning Services Llc

Systems and methods for authentication of access based on multi-data source information

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. ... Early Warning Services Llc

Secure real-time transactions

A method including determining, at a point-of-sale terminal at a store of a merchant, a payment amount for one or more items to be purchased from the merchant by a consumer in a transaction. The method also can include sending first information from the point-of-sale terminal to a mobile device used by the consumer. ... Early Warning Services Llc

Secure real-time transactions

A method including receiving, at a transaction system from a first entity, a request including a merchant identifier associated with a merchant. The transaction system can be in data communication with a first financial institution that maintains one or more first accounts of a consumer and a second financial institution that maintains a second account of the merchant. ... Early Warning Services Llc

Secure real-time transactions

A method including performing, at a mobile device being used by a consumer, an identity authentication of the consumer. The method also can include receiving, at the mobile device, first information from a point-of-sale terminal at a store of a merchant. ... Early Warning Services Llc

Secure real-time transactions

A method including receiving, at a transaction system from a first entity, a request including a merchant public identifier associated with a merchant. The transaction system can be in data communication with a first financial institution that maintains a first account of a consumer and a second financial institution that maintains a second account of the merchant. ... Early Warning Services Llc

Secure real-time transactions

A method including receiving, at a mobile device being used by a consumer, a transaction code from a point-of-sale terminal at a store of a merchant. The transaction code can include a merchant public identifier being associated with the merchant, a payment amount for one or more items to be purchased from the merchant by the consumer in a transaction, a transaction identifier for the transaction, and a digital signature. ... Early Warning Services Llc

Providing security in electronic real-time transactions

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 a request to register a second entity under a security status. ... Early Warning Services Llc

Real-time determination of funds availability for checks and ach items

A method including receiving a first inquiry through a network from a first entity. The method also can include determining a routing decision in real time of whether or not to route the first inquiry to a second entity. ... Early Warning Services Llc

System and method for mapping and monitoring deposit channels

In order to prevent false positives at a duplicate transaction detection system, channel deposit data from financial institutions (representing the manner of presentment of checks at those institutions) are provided to a channel mapping/monitoring system. The channel mapping monitoring system calculates a prediction interval representing a normal expected range of deposits in any given channel. ... Early Warning Services Llc

System and method for detecting fraudulent account access and transfers

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. ... Early Warning Services Llc

03/22/18 / #20180082303

Authentication and fraud prevention in provisioning a mobile wallet

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. ... Early Warning Services Llc

03/22/18 / #20180082302

Authentication and fraud prevention in provisioning a mobile wallet

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. ... Early Warning Services Llc

03/22/18 / #20180082301

Authentication and fraud prevention in provisioning a mobile wallet

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. ... Early Warning Services Llc

04/20/17 / #20170109837

Know your customer alert systems and methods

Transaction data is analyzed according to one or more transaction rules to identify accounts that are suspected of being used for activity such as money laundering. The methods may be performed on an inquiry basis for ad hoc investigation of transaction activity relating to one or more particular account owners or other entities, or may be performed on an ongoing basis for monitoring transaction activity of one or more account owners or other entities for suspicious activity.. ... Early Warning Services Llc

04/20/17 / #20170109832

Method to detect cash equivalent deposit structuring and funnel account behavior

Account information is analyzed to identify accounts that have received deposits drawn on accounts associated with money service businesses. When such deposits are detected, other transaction data is analyzed to decide whether or not to categorize the account as suspected of being used for an illicit purpose such as money laundering. ... Early Warning Services Llc

04/20/17 / #20170109714

Method for detecting and tracking correspondent items from u.s. subsidiaries of international banks

Check transaction data is analyzed to identify checks drawn on u.s. Subsidiaries of international financial institutions. ... Early Warning Services Llc

01/26/17 / #20170024744

Secure real-time payment transactions

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. ... Early Warning Services Llc

01/26/17 / #20170024719

Secure real-time payment transactions

A method including receiving, at a first system from a first entity, a request comprising a merchant identifier. The method also includes determining, at the first system, using the merchant account database, first information comprising an account identifier of a second account of the merchant maintained by a second financial institution. ... Early Warning Services Llc








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This listing is an abstract for educational and research purposes is only meant as a recent sample of applications filed, not a comprehensive history. Freshpatents.com is not affiliated or associated with Early Warning Services Llc in any way and there may be associated servicemarks. This data is also published to the public by the USPTO and available for free on their website. Note that there may be alternative spellings for Early Warning Services Llc with additional patents listed. Browse our Agent directory for other possible listings. Page by FreshPatents.com

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