Eric T Stern

US Patent:

20120159647, Jun 21, 2012

Filed:

Nov 21, 2011

Appl. No.:

13/300876

Inventors:

Aleksey Sanin - Sunnyvale CA, US
William D. Clerico - Palo Alto CA, US
Richard Aberman - Palo Alto CA, US
Eric Stern - Los Altos CA, US
Khang Tran - San Jose CA, US

International Classification:

G06F 21/24
G06F 15/16

US Classification:

726 28

Abstract:

A new approach is proposed that contemplates systems and methods to support user identity verification based on social and personal information of the user. Under the approach, customers/users are required to grant identity verifying party a degree of access to their social network information, including but not limited to, account data and social graph information on social networks. The identity verifying party then acquires information of a current or potential user's online presence in addition to other information of the user and utilizes such information to verify the user's identity in the real world and/or to assess the fraud risk of a specific financial transaction requested by the user.

US Patent:

20160358179, Dec 8, 2016

Filed:

Feb 25, 2015

Appl. No.:

14/911873

Inventors:

- Palo Alto CA, US
Eric STERN - East Palo Alto CA, US

Assignee:

WEPAY, INC. - Palo Alto CA

International Classification:

G06Q 20/40
G06F 17/30

Abstract:

A system includes one or more client members connected to one or more primary users and/or one or more end users. The client member receives risk data from the primary user and the end user, and the risk data includes one or more risk variables. A service provider is connected to the client member, and receives at least one of the risk variables from the client member and identifies whether the risk variable corresponds to an undefined type value or a predefined type value. The service member updates an existing database by storing the risk variable under a non-standard type category when the risk variable is identified as the undefined type value. The service member determines whether the received risk variable is a viable risk and a notification is transmitted to the client member when the viable risk is determined.