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1. 发明授权

US10839359B2 Payment real-time funds availability 有权
公开(公告)号：US10839359B2
公开(公告)日：2020-11-17
申请号：US15131957
申请日：2016-04-18
申请人： Early Warning Services, LLC
发明人： Gyorgyi Novac , Chuck Hutchison , Lou Anne Alexander , Austin McCormick , Laura Weinflash , Rajesh Kulkarni
IPC分类号： G06Q40/00 , G06Q20/14 , G06Q20/40 , G06Q20/26 , G06Q20/24 , G06Q20/02 , G06Q20/04
CPC分类号： G06Q20/14 , G06Q20/023 , G06Q20/042 , G06Q20/24 , G06Q20/26 , G06Q20/401 , G06Q20/405
摘要： A method including providing a payment application to a sender from an application service provider. The method also can include receiving a payment authorization from the sender through the payment application. The payment authorization can be made by the sender at a payment authorization time. The method additionally can include sending a first debit message from the application service provider to debit a first account maintained by a first financial institution based on the payment authorization. The method further can include receiving a first debit response at the application service provider in real-time after the payment authorization time. The method additionally can include generating a first promise-to-pay message for a second financial institution to credit a second account maintained by the second financial institution to make funds available in the second account in real-time after the payment authorization time. The method further can include sending the first promise-to-pay message. The method additionally can include receiving a first response at the application service provider indicating a successful credit of the second account maintained by the second financial institution. The method further can include sending a notification to the sender from the application service provider in real-time after the payment authorization time of the successful credit of the second account maintained by the second financial institution. Other embodiments are provided.

2. 发明授权

US10748127B2 Payment real-time funds availability 有权
公开(公告)号：US10748127B2
公开(公告)日：2020-08-18
申请号：US15131939
申请日：2016-04-18
申请人： Early Warning Services, LLC
发明人： Gyorgyi Novac , Chuck Hutchison , Lou Anne Alexander , Austin McCormick , Laura Weinflash , Rajesh Kulkarni
IPC分类号： G06Q40/00 , G06Q20/26 , G06Q20/04 , G06Q20/02 , G06Q20/40
摘要： A method including receiving a debit message at a first financial institution to debit a first account maintained by the first financial institution based on a payment authorization for a payment amount made by a sender at a payment authorization time, the first account being held by the sender. The method also can include performing a successful debit for the payment amount from the first account maintained by the first financial institution in real-time after the payment authorization time. The method additionally can include sending a debit response from the first financial institution in real-time after the payment authorization time. Other embodiments are provided.

3. 发明授权

US10607284B2 System and method to search and verify borrower information using banking and investment account data and process to systematically share information with lenders and government sponsored agencies for underwriting and securitization phases of the lending cycle 有权
公开(公告)号：US10607284B2
公开(公告)日：2020-03-31
申请号：US14970212
申请日：2015-12-15
申请人： Early Warning Services, LLC
发明人： Ravi Loganathan , Ronald Scott Alcorn , Sandra Letterly , James Kaufman , Laura Weinflash
IPC分类号： G06Q40/02
摘要： Account data (e.g., balance information) for accounts at a plurality of financial institutions (or government agencies) is stored (and updated) in a central database system and accessed using a personal identifier, such as a social security number. Risk data may be generated for accounts based on the account data. The account data and risk data are accessed in response to either an account search request (e.g., from a government entity and relating to a benefits program or a subpoena) or an account verification request (e.g. from a mortgage company and relating to a mortgage application).

4. 发明申请

US20190318354A1 SECURE ELECTRONIC BILLING WITH REAL-TIME FUNDS AVAILABILITY 审中-公开
公开(公告)号：US20190318354A1
公开(公告)日：2019-10-17
申请号：US16453396
申请日：2019-06-26
申请人： Early Warning Services, LLC
发明人： Laura Weinflash , Lou Anne Alexander
IPC分类号： G06Q20/40 , G06Q20/14
摘要： 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, from a first entity, a first request to pay a second entity. The first request can include (a) an account identifier of an account of the first entity at the second entity, (b) a payment amount, and (c) a preauthorization by the first entity to pay the payment amount to the second entity. The acts also can include sending a second request to the second entity based on the first request. The acts additionally can include receiving, from the second entity, an invoice for the first entity for the payment amount. The acts further can include facilitating a real-time payment transaction from a first account of the first entity at a first financial institution to a second account of the second entity at a second financial institution without transmitting the invoice to the first entity, without receiving an authorization from the first entity to pay the invoice or the payment amount to the second entity after receiving the invoice from the second entity, and based on the preauthorization of the first request. Other embodiments are described.

5. 发明申请

US20220292498A1 SYSTEMS AND METHODS FOR SECURE ELECTRONIC TRANSFERS 有权
公开(公告)号：US20220292498A1
公开(公告)日：2022-09-15
申请号：US17829077
申请日：2022-05-31
申请人： Early Warning Services, LLC
发明人： Laura Weinflash , Rajasekhar Divakaruni , Rajesh Kulkarni
IPC分类号： G06Q20/38 , G06Q20/40 , G06Q20/10 , G06Q20/02 , H04L67/306 , G06Q20/22
摘要： Systems and methods including one or more processors and one or more non-transitory storage devices storing computing instructions configured to run on the one or more processors and perform receiving, from a payee system for a payee, a request for a transfer from a payor to the payee, wherein the payor is associated with a payor user profile of the payee system; causing a payor device for the payor to display an authorization user interface for the payor to authorize a payor financial institution to grant an access code to the system; requesting, from the payor financial institution, one or more eligible payor accounts owned by the payor and maintained by the payor financial institution; causing the payor device to display the one or more eligible payor accounts for the payor to determine a selected payor account of the one or more eligible payor accounts for the transfer; determining a fraud risk score for the transfer; transmitting, to a payee financial institution for the payee, the fraud risk score, wherein: the payee financial institution is configured to determine a transfer decision for the transfer based at least in part on the fraud risk score and information about a payee account for the transfer; and the payee account is owned by the payee and maintained by the payee financial institution; when the transfer decision comprises an approval of the transfer by the payee financial institution, facilitating the transfer from the selected payor account to the payee account; generating a transfer token associated with the payor and the payee; storing transfer data for the transfer, the transfer data being associated with the transfer token; and transmitting the transfer token to the payee system, wherein the payee system stores the transfer token with the payor user profile. Other embodiments are disclosed herein.

6. 发明申请

US20220284438A1 SYSTEMS AND METHODS FOR SECURE ELECTRONIC TRANSFERS 有权
公开(公告)号：US20220284438A1
公开(公告)日：2022-09-08
申请号：US17824878
申请日：2022-05-25
申请人： Early Warning Services, LLC
发明人： Laura Weinflash , Rajasekhar Divakaruni , Rajesh Kulkarni
IPC分类号： G06Q20/40
摘要： Systems and methods including one or more processors and one or more non-transitory storage devices storing computing instructions configured to run on the one or more processors and perform receiving, from a payee system for a payee, a request for a transfer from a payor to the payee; causing a payor device of the payor to display an authorization user interface for the payor to authorize a payor financial institution to grant an access code to the one or more processors; in response to the payor financial institution granting the access code, requesting, from the payor financial institution, one or more eligible payor accounts owned by the payor and maintained by the payor financial institution; causing the payor device to display the one or more eligible payor accounts for the payor to determine a selected payor account of the one or more eligible payor accounts for the transfer; determining a fraud risk score for the transfer; transmitting, to a payee financial institution for the payee, the fraud risk score, wherein: the payee financial institution is configured to determine a transfer decision for the transfer based at least in part on the fraud risk score and information about a payee account for the transfer; and the payee account is owned by the payee and maintained by the payee financial institution; and when the transfer decision comprises an approval of the transfer by the payee financial institution, facilitating the transfer from the selected payor account to the payee account. Other embodiments are disclosed herein.

7. 发明授权

US10832246B2 Payment real-time funds availability 有权
公开(公告)号：US10832246B2
公开(公告)日：2020-11-10
申请号：US15131972
申请日：2016-04-18
申请人： Early Warning Services, LLC
发明人： Gyorgyi Novac , Chuck Hutchison , Lou Anne Alexander , Austin McCormick , Laura Weinflash , Rajesh Kulkarni
IPC分类号： G06Q40/00 , G06Q20/40 , G06Q20/04 , G06Q20/02
摘要： A method including receiving a first promise-to-pay message at a second financial institution. The method also can include performing a successful credit for the payment amount to a second account maintained by the second financial institution to make funds available in the second account in real-time after the payment authorization time. The method additionally can include sending a first response from the second financial institution indicating the successful credit of the second account maintained by the second financial institution to inform at least the sender in real-time after the payment authorization time of the successful credit of the second account maintained by the second financial institution. Other embodiments are provided.

8. 发明授权

US09727854B2 System and method for expedited release of held items 有权
公开(公告)号：US09727854B2
公开(公告)日：2017-08-08
申请号：US13734115
申请日：2013-01-04
申请人： Early Warning Services, LLC
发明人： Laura Weinflash
IPC分类号： G06Q20/22 , G06Q20/04 , G06Q40/02 , G06Q40/00
CPC分类号： G06Q20/22 , G06Q20/042 , G06Q40/02 , G06Q40/12
摘要： A system for identifying and expediting the release of held items, such as checks. Paying banks (having accounts against which the checks are drawn) provide paid item files to the system, and depository banks (where checks have been deposited) provide held item files to the system. If there is a match of a paid item file and held item file (indicating that a held check has been paid by the paying bank), the depository bank is notified that the item has been paid and that the hold may be released.

9. 发明申请

US20160300225A1 PAYMENT REAL-TIME FUNDS AVAILABILITY 审中-公开
标题翻译：付款实时资金可用性
公开(公告)号：US20160300225A1
公开(公告)日：2016-10-13
申请号：US15131939
申请日：2016-04-18
申请人： Early Warning Services, LLC
发明人： Gyorgyi Novac , Chuck Hutchison , Lou Anne Alexander , Austin McCormick , Laura Weinflash , Rajesh Kulkarni
IPC分类号： G06Q20/40 , G06Q20/26
摘要： A method including receiving a debit message at a first financial institution to debit a first account maintained by the first financial institution based on a payment authorization for a payment amount made by a sender at a payment authorization time, the first account being held by the sender. The method also can include performing a successful debit for the payment amount from the first account maintained by the first financial institution in real-time after the payment authorization time. The method additionally can include sending a debit response from the first financial institution in real-time after the payment authorization time. Other embodiments are provided.
摘要翻译：一种方法，包括在第一金融机构接收借记消息，以在第一金融机构基于由支付授权时间由发送者作出的支付金额的支付授权来借记所述第一帐户，所述第一帐户由所述发送者持有。该方法还可以包括在支付授权时间之后实时地从第一金融机构维护的第一帐户执行支付金额的成功借方。该方法还可以包括在支付授权时间之后实时地从第一金融机构发送借方响应。提供其他实施例。

10. 发明申请

US20160300207A1 PAYMENT REAL-TIME FUNDS AVAILABILITY 审中-公开
标题翻译：付款实时资金可用性
公开(公告)号：US20160300207A1
公开(公告)日：2016-10-13
申请号：US15131957
申请日：2016-04-18
申请人： Early Warning Services, LLC
发明人： Gyorgyi Novac , Chuck Hutchison , Lou Anne Alexander , Austin McCormick , Laura Weinflash , Rajesh Kulkarni
IPC分类号： G06Q20/14 , G06Q20/02 , G06Q20/24 , G06Q20/40 , G06Q20/26
CPC分类号： G06Q20/14 , G06Q20/023 , G06Q20/042 , G06Q20/24 , G06Q20/26 , G06Q20/401 , G06Q20/405
摘要： A method including providing a payment application to a sender from an application service provider. The method also can include receiving a payment authorization from the sender through the payment application. The payment authorization can be made by the sender at a payment authorization time. The method additionally can include sending a first debit message from the application service provider to debit a first account maintained by a first financial institution based on the payment authorization. The method further can include receiving a first debit response at the application service provider in real-time after the payment authorization time. The method additionally can include generating a first promise-to-pay message for a second financial institution to credit a second account maintained by the second financial institution to make funds available in the second account in real-time after the payment authorization time. The method further can include sending the first promise-to-pay message. The method additionally can include receiving a first response at the application service provider indicating a successful credit of the second account maintained by the second financial institution. The method further can include sending a notification to the sender from the application service provider in real-time after the payment authorization time of the successful credit of the second account maintained by the second financial institution. Other embodiments are provided.
摘要翻译：一种方法，包括从应用服务提供商向发送者提供支付应用。该方法还可以包括通过支付应用从发送方接收支付授权。支付授权可以由发件人在付款授权时间进行。该方法还可以包括从应用服务提供商发送第一借方消息，以基于支付授权来借记由第一金融机构维护的第一帐户。该方法还可以包括在支付授权时间之后实时地在应用服务提供商处接收第一借方响应。该方法还可以包括为第二金融机构生成第一承诺付费消息，以在第二金融机构维护的第二账户信用，以在支付授权时间之后实时地在第二账户中提供资金。该方法还可以包括发送第一个承诺付费消息。该方法还可以包括在应用服务提供商处接收指示第二金融机构维护的第二帐户的成功信用的第一响应。该方法还可以包括在由第二金融机构维护的第二帐户的成功信用的支付授权时间之后实时从应用服务提供商发送通知给发送者。提供其他实施例。

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