Janis E Simm

Address:

5815 E Le Marche Ave, Scottsdale, AZ 85254

Phone:

602 537-9323

VIN:

WVWHD7AJ2BW132295

Make:

VOLKSWAGEN

Model:

GTI

Year:

2011

US Patent:

20120330689, Dec 27, 2012

Filed:

Jun 21, 2012

Appl. No.:

13/529028

Inventors:

Thomas J. McLaughlin - Phoenix AZ, US
Janis E. Simm - Scottsdale AZ, US

Assignee:

Early Warning Services, LLC - Scottsdale AZ

International Classification:

G06Q 40/08

US Classification:

705 4

Abstract:

Systems and methods of the present invention detect and/or deter individuals who may be collecting or intending to collect unemployment insurance (UI) benefits and simultaneously receive pay from an employer. Embodiments identify, during either initial screening of a UI applicant or on an ongoing basis for current recipients, those individuals who would seek to defraud UI programs by receiving improper payments. Methods include locating account information in databases from one or more (preferably, a plurality) of financial service organizations pertaining to deposit (or other) accounts for an individual applying for benefits, analyzing deposit transactions into those accounts, determining whether the individual is likely to be receiving deposits from employment or wages, and providing information to an entity such as a government agency regarding likely employment deposits for the individual.

US Patent:

20120330819, Dec 27, 2012

Filed:

Aug 19, 2011

Appl. No.:

13/213975

Inventors:

Laura Weinflash - Scottsdale AZ, US
Dawn Melvin - Scottsdale AZ, US
Tom McLaughlin - Phoenix AZ, US
Janis E. Simm - Scottsdale AZ, US
Christopher E. Swecker - Charlotte NC, US
Lucius L. Lockwood - Phoenix AZ, US

Assignee:

Early Warning Services, LLC - Scottsdale AZ

International Classification:

G06Q 40/00
G06Q 40/02

US Classification:

705 38, 705 35

Abstract:

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).

US Patent:

20120239557, Sep 20, 2012

Filed:

Dec 14, 2011

Appl. No.:

13/326055

Inventors:

LAURA E. WEINFLASH - Scottsdale AZ, US
Janis E. Simm - Scottsdale AZ, US
Jinghong Qi - Austin TX, US

Assignee:

Early Warning Services, LLC - Scottsdale AZ

International Classification:

G06Q 40/00

US Classification:

705 39

Abstract:

Transfers of money into a recipient account are analyzed for risk of fraud by using a fraud monitoring system to analyze characteristics of the recipient account. The recipient account characteristics are stored in a central database, which has account data (for recipient accounts) contributed from a plurality of financial institutions that maintain such accounts. When a transfer is made or attempted, the stored characteristics of the recipient account are analyzed and a risk score is assigned to the transfer based on the recipient account. If the risk score indicates a suspicious or fraudulent transaction, an alert is provided. In an alternative embodiment, the risk analysis may be supplemented by analysis of transaction data association with the transfer.

US Patent:

20180082368, Mar 22, 2018

Filed:

Nov 29, 2017

Appl. No.:

15/826229

Inventors:

- Scottsdale AZ, US
Janis E. Simm - Scottsdale AZ, US
Jinghong Qi - Austin TX, US

International Classification:

G06Q 40/02
G06Q 20/40

Abstract:

Transfers of money into a recipient account are analyzed for risk of fraud by using a fraud monitoring system to analyze characteristics of the recipient account. The recipient account characteristics are stored in a central database, which has account data (for recipient accounts) contributed from a plurality of financial institutions that maintain such accounts. When a transfer is made or attempted, the stored characteristics of the recipient account are analyzed and a risk score is assigned to the transfer based on the recipient account. If the risk score indicates a suspicious or fraudulent transaction, an alert is provided. In an alternative embodiment, the risk analysis may be supplemented by analysis of transaction data association with the transfer.

US Patent:

20160364727, Dec 15, 2016

Filed:

Jun 10, 2016

Appl. No.:

15/179707

Inventors:

- Scottsdale AZ, US
Janis Simm - Scottsdale AZ, US
Chris Parker - Scottsdale AZ, US
Robert Hill - Mill Creek WA, US

Assignee:

Early Warning Services, LLC - Scottsdale AZ

International Classification:

G06Q 20/40
G06F 21/55
G06F 21/57
G06F 21/62

Abstract:

Using common points-of-purchase revealed by back trace windows, a merchant risk system provides suspect merchants to a financial institution (such as a card issuer), identifying merchants who may have had account data (such as credit card numbers) compromised. In one embodiment, merchants are ranked based on spikes in fraudulent transactions on cards used at those merchants. Merchants may also be identified based on merchant risk scores that are calculated using data from the back trace windows.

US Patent:

20160364728, Dec 15, 2016

Filed:

Jun 10, 2016

Appl. No.:

15/179839

Inventors:

- Scottsdale AZ, US
Janis Simm - Scottsdale AZ, US
Chris Parker - Scottsdale AZ, US
Robert Hill - Mill Creek WA, US

Assignee:

Early Warning Services, LLC - Scottsdale AZ

International Classification:

G06Q 20/40

Abstract:

Systems and methods for identifying potentially illicit purchases, especially in card-not-present transactions. In one implementation, a merchant transaction system comprises a processor and memory. The system receives a transaction request from a customer for a card-not-present sale transaction. The system transmits over an electronic network a transaction risk request message to a transaction risk evaluator, and receives over the electronic network a reply message from the transaction risk evaluator, indicating a level of risk associated with the sale transaction. The system can decide whether to proceed with the card-not-present sale transaction based at least in part on the content of the reply message.