Mary Ellen Winters

US Patent:

20120226590, Sep 6, 2012

Filed:

Mar 1, 2012

Appl. No.:

13/410150

Inventors:

Robin S. Love - Scottsdale AZ, US
Glen Sgambati - Glendale AZ, US
Frederick Wedgeworth - Scottsdale AZ, US
Mary Winters - Phoenix AZ, US
Lucius L. Lockwood - Phoenix AZ, US

Assignee:

Early Warning Services, LLC - Scottsdale AZ

International Classification:

G06Q 40/00

US Classification:

705 30

Abstract:

A plurality of institutions (such as financial institutions) contribute data to a data analysis and linking system. The system analyzes the data to create data nodes (records) associated with an entity, where the entity may be, for example, a person/individual, business, organization, account, address, telephone number, etc. After data is linked, and in order to retrieve linked data, a requester may provide to the system an identifier associated with an entity. The linked data provided by the system in response to the identifier may be in the form of a network of data nodes associated with the entity and for use in assessing risk, such as risk associated with a transaction being conducted by a person. The linked data may also be analyzed at the system to score risk associated with the entity, and the risk score provided in conjunction with or in lieu of the network of data nodes.

US Patent:

20140222631, Aug 7, 2014

Filed:

Feb 6, 2014

Appl. No.:

14/174798

Inventors:

- Scottsdale AZ, US
Glen Sgambati - Glendale AZ, US
Frederick Wedgeworth - Scottsdale AZ, US
Mary Winters - Phoenix AZ, US
Lucius L. Lockwood - Phoenix AZ, US

Assignee:

EARLY WARNING SERVICES, LLC - Scottsdale AZ

International Classification:

G06Q 40/00

US Classification:

705 30

Abstract:

A plurality of institutions (such as financial institutions) contribute data to a data analysis and linking system. The system analyzes the data to create data nodes (records) associated with an entity, where the entity may be, for example, a person/individual, business, organization, account, address, telephone number, etc. After data is linked, and in order to retrieve linked data, a requester may provide to the system an identifier associated with an entity. The linked data provided by the system in response to the identifier may be in the form of a network of data nodes associated with the entity and for use in assessing risk, such as risk associated with a transaction being conducted by a person. The linked data may also be analyzed at the system to score risk associated with the entity, and the risk score provided in conjunction with or in lieu of the network of data nodes.