Michael J Huffman

US Patent:

20180247312, Aug 30, 2018

Filed:

Feb 28, 2018

Appl. No.:

15/908767

Inventors:

- Scottsdale AZ, US
Joseph S. Quickle - Irvine CA, US
Ronald Scott Alcorn - Austin TX, US
Michael J. Huffman - San Mateo CA, US
Gregory D. Slowiak - Chicago IL, US
Angela M. Montoya - Scottsdale AZ, US

Assignee:

Early Warning Services, LLC - Scottsdale AZ

International Classification:

G06Q 20/40
H04W 12/06
H04L 29/06
G06Q 20/32

Abstract:

A method including collecting transactional information from a mobile application on the mobile device. The mobile device can be used by a user to initiate an activity at a risk moment. The method also can include aggregating a set of risk signals. The method additionally can include obtaining a first set of risk rules for a model specific to the activity requested by the user. Each risk rule of the first set of risk rules can define weights when the risk rule is triggered based on one or more risk signals of the set of risk signals. The method further can include executing a risk engine using the first set of risk rules for the model and using the set of risk signals to generate a risk score. The risk score can be based on the weights of triggered risk rules of the first set of risk rules. The method additionally can include generating a disposition based on a comparison of the risk score to one or more predefined thresholds scores for the model. Other embodiments of related systems and methods are disclosed.

Author:

Michael A. Huffman

ISBN #:

0806958898

Author:

Michael A. Huffman

ISBN #:

3952063290