The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Dec. 23, 2025
Filed:
May. 25, 2022
Early Warning Services, Llc, Scottsdale, AZ (US);
Chris Burke, Scottsdale, AZ (US);
Nagaraj Kollar, Scottsdale, AZ (US);
Jacob Bellman, Scottsdale, AZ (US);
Ronald Scott Alcorn, Austin, TX (US);
Jie He, Naperville, IL (US);
Laura E. Weinflash, Scottsdale, AZ (US);
Jack Kohoutek, Chicago, IL (US);
Clayton Meyer, Lakeland, FL (US);
Early Warning Services, LLC, Scottsdale, AZ (US);
Abstract
A payment and authentication network may include a communications interface, one or more processors, and a memory. The memory may have instructions stored thereon that, when executed by the one or more processors cause the one or more processors to receive, using the communications interface, transaction information associated with a transaction from a merchant system and generate a fraud risk score based on the transaction information. The instructions may cause the one or more processors to determine that the fraud risk score is indicative that the transaction is likely fraudulent and transmit an alert to a user device that informs a user of the user device that the transaction is likely fraudulent prior to generating an approval decision for the transaction.