Early Warning Services, LLC

Anthony J Selway

David W Barnhardt

Laura E Weinflash

Matthew J Cottrell

Robert W Weyrauch

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. The data is sorted and linked to individual people (e.g., common account holders), and assembled by a profile system into payee, payer and joint profiles for purposes of risk evaluation. A database associated with a profile system separately stores the profiles (and associated risk scores). Risk scores (payer, payee and joint) are provided for a transaction in response to a payer ID, a payee ID and transaction data.

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

A method and system for providing real-time encrypted data alerts over secure networks. The method and system detect the improper duplicate data records and generate alerts that indicate the improper duplication. The systems encrypt the data alerts and transmit them to remote devices over private, secure networks to protect sensitive data contained in the alerts.

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Phoenix, AZ, United States of America

Anthony J Selway