Early Warning Services, LLC

James R Mortensen

Eric Woodward

Mark A Pender

Aaron Bartrim

Betty Chan-Bauza

Hal Granoff

Ryan Riveland

Laura E Weinflash

Robert Lawrence Hill

Robin S Love

Jie He

Dan Hayden

Jinghong Qi

James Napier

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. The method additionally can include determining an ownership correlation between the device ownership information and the account ownership information. The method further can include generating a fraud risk level by applying business rules and one or more statistical modeling techniques. The method additionally can include providing a response to the provider based on the fraud risk level. Other embodiments are provided.

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. The risk determination system can generate a fraud risk level by applying business rules and one or more statistical modeling techniques. The method additionally can include receiving from the risk determination system a response based on the fraud risk level. The method further can include determining whether to proceed with the provisioning of the account to the mobile wallet based at least in part on the response received from the risk determination system. The method additionally can include providing a token to the provider in response to the request to perform the provisioning of the account to the mobile wallet when the fraud risk level is below a predetermined threshold. Other embodiments are provided.

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. The method additionally can include generating device information about the mobile device. The method further can include sending an inquiry to a risk determination system to authenticate the provisioning of the account to the mobile wallet. The risk determination system can generate a fraud risk level by applying business rules and one or more statistical modeling techniques. The method additionally can include receiving from the risk determination system a first response based on the fraud risk level. The method further can include determining whether to proceed with the provisioning of the account to the mobile wallet or to perform an additional verification based at least in part on the first response received from the risk determination system. The method additionally can include sending a second response to the mobile wallet in response to the request to perform the provisioning of the account to the mobile wallet. Other embodiments are provided.

Identity data for an applicant opening a bank account is provided to an ID confidence scoring system. The scoring system accesses a multi-source data management system, using queries that include a base component, a link component and a function component. Data records maintained by the multi-source data management system include header data having identity data elements, with the header data analyzed pursuant to the queries. Queries may also be provided to an entity resolution system having data records organized in data networks, each data network corresponding to a single entity. Query results are used to develop an ID confidence score for applicant identity data.

Identity confidence scoring system and method

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Chandler, AZ, United States of America

James R Mortensen