公开(公告)号：US20240378616A1

公开(公告)日：2024-11-14

申请号：US18779320

申请日：2024-07-22

Applicant: Early Warning Services, LLC

Inventor： Laura Weinflash

IPC: G06Q20/40 ,  G06F18/22 ,  G06N7/02 ,  H04L9/08

Abstract: A system comprising 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: (a) receiving, through an electronic network, a payment authorization from a sender financial institution and on behalf of the sender; (b) obtaining a sender status of the sender based on sender information of the sender associated with the payment authorization; (c) when the sender status is preauthorized: instructing, through the electronic network, a recipient financial institution to bypass a transaction fraud detection mechanism associated with the sender and instructing, through the electronic network, the recipient financial institution to post a payment amount to a recipient account at the recipient financial institution. Other embodiments are described.

公开(公告)号：US20240220729A1

公开(公告)日：2024-07-04

申请号：US18587369

申请日：2024-02-26

Applicant: Early Warning Services, LLC

Inventor： Edwin F. Campos Ortega ,  Eric D. First ,  Deepakshi Aswal ,  Jie He

IPC: G06F40/30 ,  G06F40/289 ,  G06N20/00

CPC classification number: G06F40/30 ,  G06F40/289 ,  G06N20/00

Abstract: A method of providing sentiment analysis includes training a computer system to identify a polarity of a sentiment for a plurality of phrases and receiving, at the computer system, an input from a website. The input includes a text string including a phrase. The method includes determining, by the computer system, the polarity of the sentiment of the phrase by comparing the phrase to the plurality of phrases and sending, by the computer system, a command to the website that causes the website to display predetermined content based on the determined polarity of the sentiment of the phrase.

公开(公告)号：US20240193305A1

公开(公告)日：2024-06-13

申请号：US18585846

申请日：2024-02-23

Applicant: Early Warning Services, LLC

Inventor： Lester Leland Lockhart, III ,  David Hugh Munson ,  Gregor R. Bonin ,  Michael Cook

IPC: G06F21/62

CPC classification number: G06F21/6263

Abstract: A compromised data exchange system extracts data from websites using a crawler, detects portions within the extracted data that resemble personally identifying information (PII) data based on PII data patterns using a risk assessment module, and compares a detected portion to data within a database of disassociated compromised PII data to determine a match using the risk assessment module. A risk score may be assigned to a data item within the database in response to determining the match. In some embodiments, URL data may also be detected in the extracted data. The detected URL data represents further websites that can be automatically crawled by the system to detect further PII data.

公开(公告)号：US20240143833A1

公开(公告)日：2024-05-02

申请号：US18500773

申请日：2023-11-02

Applicant: Early Warning Services, LLC

Inventor： Michael Cook

IPC: G06F21/62 ,  G06F16/13 ,  G06F16/245 ,  G06Q20/02 ,  G06Q20/34

CPC classification number: G06F21/6245 ,  G06F16/13 ,  G06F16/245 ,  G06Q20/027 ,  G06Q20/34

Abstract: A system may include an interface configured to couple to a network, and includes a processor and a memory accessible to the processor. The memory may be configured to store instructions that, when executed, cause the processor to process search results corresponding to multiple data owners to selectively filter personally identifiable information (PII) associated with one or more consumers from the set of search results according to data sharing permissions for each of the data owners to produce filtered results. The instructions may further cause the processor to provide the filtered results to a user device through the network.

公开(公告)号：US20230385451A1

公开(公告)日：2023-11-30

申请号：US18301656

申请日：2023-04-17

Applicant: Early Warning Services, LLC

Inventor： Lester Leland Lockhart, III ,  David Hugh Munson ,  Gregor R. Bonin ,  Michael Cook

IPC: G06F21/62

CPC classification number: G06F21/6263

Abstract: A compromised data exchange system extracts data from websites using a crawler, detects portions within the extracted data that resemble personally identifying information (PII) data based on PII data patterns using a risk assessment module, and compares a detected portion to data within a database of disassociated compromised PII data to determine a match using the risk assessment module. A risk score may be assigned to a data item within the database in response to determining the match. In some embodiments, URL data may also be detected in the extracted data. The detected URL data represents further websites that can be automatically crawled by the system to detect further PII data.

公开(公告)号：US11704704B2

公开(公告)日：2023-07-18

申请号：US17099500

申请日：2020-11-16

Applicant: Early Warning Services, LLC

Inventor： Joseph Sean Sylvester

IPC: G06Q30/0279 ,  G06Q20/40 ,  G06Q40/10 ,  G06Q30/018

CPC classification number: G06Q30/0279 ,  G06Q20/4016 ,  G06Q30/018 ,  G06Q40/10

Abstract: A method including a system receiving, in real-time and through a computer network, a donation authorization from a donor via a donor user interface executed on a donor device of the donor. The donation authorization can comprise: a donation amount, a donor token for the donor, a donee first token for a donee, and/or donee information. The donor token can be uniquely associated with a donor account for the donor, and the donor account can be maintained by a sender financial institution. The donee first token can be uniquely associated with a donee account for the donee, and the donee account can be maintained by a receiver financial institution. The method further can include the system, after receiving the donation authorization, instructing or facilitating, in real-time and through the computer network, the receiver financial institution to post in real-time the donation amount to the donee account. Other embodiments are disclosed.

公开(公告)号：US20230125547A1

公开(公告)日：2023-04-27

申请号：US18088114

申请日：2022-12-23

Applicant: Early Warning Services, LLC

Inventor： Gregory Slowiak ,  Michael Dempsey ,  Dougal J. Brindley

IPC: G06Q40/03 ,  G06F21/30 ,  G06F21/62 ,  H04L67/50 ,  H04L9/08 ,  H04L41/147 ,  H04L9/40 ,  G06F9/445

Abstract: A method for sharing digital identity data, the method comprising, using the identity network, receiving an indication of consent from a user device to share a plurality of identity attributes with a relying party, wherein the plurality of identity attributes are associated with a user of the user device, generating an internal authorization code after receiving the consent, providing the internal authorization code to the user device, receiving the internal authorization code from the relying party, in response to receiving the internal authorization code, providing an internal access token to the relying party, receiving the internal access token from the relying party, and in response to receiving the access token, providing the plurality of identity attributes to the relying party.

公开(公告)号：US11620404B2

公开(公告)日：2023-04-04

申请号：US16988402

申请日：2020-08-07

Applicant: Early Warning Services, LLC

Inventor： Michael Cook ,  Brian Ketelsen

IPC: G06F21/62 ,  G06F16/248 ,  G06Q30/06

Abstract: A system includes a processor and a memory accessible to the processor. The memory may store instructions that, when executed by a processor, cause the processor to receive first data associated with a first owner and second data associated with a second owner from a data warehouse. The memory further includes instructions that, when executed, cause the processor to selectively filter the first data according to first data sharing permissions defined by the first owner to produce first filtered data, selectively filter the second data according to second data sharing permissions defined by the second owner to produce second filtered data, and provide an output including the first filtered data and the second filtered data to a data requester.

公开(公告)号：US20230064412A1

公开(公告)日：2023-03-02

申请号：US17984106

申请日：2022-11-09

Applicant: Early Warning Services, LLC

Inventor： Dougal Brindley ,  Gregory Slowiak

IPC: G06Q40/02 ,  G06F21/30 ,  G06F21/62 ,  H04L67/50 ,  H04L9/08 ,  H04L41/147 ,  H04L9/40 ,  G06F9/445

Abstract: Methods of selecting an identity provider using an identity attribute sharing system may include accessing, by a user device, a page of a relying party. The methods may include receiving, by the user device, a selection to utilize an identity network to share a number of identity attributes with the relying party. The methods may include displaying, by the user device, a plurality of identity providers enrolled for use with the identity attribute sharing system. The methods may include receiving, by the user device, a selection of one of the plurality of identity providers. The methods may include providing access to a page of a selected identity provider.

公开(公告)号：US20230040705A1

公开(公告)日：2023-02-09

申请号：US17877423

申请日：2022-07-29

Applicant: Early Warning Services, LLC

Inventor： Ravi Loganathan ,  Aniket Panjwani ,  Rachael Gwinn ,  Ronald Scott Alcorn ,  Chris Burke ,  Jesse Dean ,  Deepakshi Aswal

IPC: G06Q40/02

Abstract: A method of generating a credit/lending balance sheet may include receiving, from a financial institution, an identifier associated with a request for funds. The method may include identifying one or more financial accounts associated with a debtor who initiated the request for funds based on the identifier. The method may include accessing account data from the one or more financial accounts associated with the debtor. The method may include aggregating the account data from the one or more financial accounts. The method may include generating a balance sheet from the aggregated account data, the balance sheet providing data associated with income and expenses of the debtor.