Scott Alexander Sims

US Patent:

20190272361, Sep 5, 2019

Filed:

Mar 1, 2018

Appl. No.:

15/908959

Inventors:

- Charlotte NC, US
Scott Anderson Sims - Tega Cay SC, US
Dharmender Kumar Satija - Rye Brook NY, US
David Eugene Swain - Los Angeles CA, US
Kolt Arthur Bell - Charlotte NC, US

International Classification:

G06F 21/32
G06F 21/31
H04L 9/32
H04L 29/06
G06F 17/30
H04L 29/08

Abstract:

The invention is a novel system that uses a continuous and competitive authentication process to identify users within an entity's systems. In particular, the invention may continuously collect authentication data across multiple channels (e.g., authentication data obtained through a mobile app, website, telephone, on-site methods, and the like) as well as non-authentication data. The obtained data may be compared with reference data (e.g., historical data) to continuously update a confidence level associated with the user. Based on the confidence level, profile the user to detect any inconsistencies in the data collected over time. The system may further execute one or more competitive processes in parallel with traditional authentication processes to identify potentially unauthorized users. In this way, the system provides not only a way to authenticate users, but also to create and build profiles of users who are suspected of being unauthorized and/or malicious users

US Patent:

20180357641, Dec 13, 2018

Filed:

Jun 12, 2017

Appl. No.:

15/620363

Inventors:

- Charlotte NC, US
Rahul G. Isola - Charlotte NC, US
Scott A. Sims - Tega Cay SC, US

International Classification:

G06Q 20/40

Abstract:

In one or more embodiments, one or more systems, processes, and/or methods may receive, via a network, a multiple positions corresponding to multiple physical locations of a consumer device, may receive, via the network, a position of a physical location of a financial transaction device, and may receive a request for a financial transaction, and may determine a transaction authorization based on a path indicated by the multiple positions and the position of the physical location of the financial transaction device. For example, a path and/or track may be established via periodical reports of the position information from the consumer device, which may provide and/or indicate an authenticity metric and/or a validity metric to a current position attribute when the current position attribute is utilized in a financial transaction.