Early Warning Services, LLC

A method of operating a machine learning target factory may include generating a plurality of machine learning targets. The method may include storing each of the plurality of machine learning targets on a network-attached database. The method may include receiving, at the network-attached database, a request for at least one of the plurality of machine learning targets for a machine learning model. The method may include providing the at least one of the plurality of machine learning targets to a computing device housing the machine learning model.

A computer-implemented method including receiving a request to facilitate a transfer of funds from a sender account of a sender at a sender financial institution to a recipient account of a recipient at a recipient financial institution. The method also can include determining that the recipient is not a registered user of the computer-implemented funds transfer payment network. The method additionally can include transmitting an invitation for the recipient to join the computer-implemented funds transfer payment network. The invitation is directed to the recipient using the public identifier for the recipient. The method further can include receiving, from the recipient, a response to the invitation. The method additionally can include creating a first record for the recipient in an information directory. The first record includes the public identifier for the recipient and a private token for the recipient. The method further can include transmitting the private token of the recipient account to enable the transfer of the funds from the sender account to the recipient account. Other embodiments are disclosed.

A computer-implemented method including receiving, at a system from a sender financial institution, transaction information for a requested payment transaction from a sender to a recipient. The system is in data communication with a plurality of financial institutions of a payment network. The plurality of financial institutions include the sender financial institution, a recipient financial institution, and multiple other financial institutions. The method also can include generating, using one or more machine-learning models, a risk score for the requested payment transaction based on analyzing the transaction information received from the sender financial institution and historical information regarding sender behavior of the sender and recipient behavior of the recipient obtained from the plurality of financial institutions of the payment network. The method additionally can include sending the risk score to the sender financial institution to cause the sender financial institution to determine whether to approve or deny the requested payment transaction. Other embodiments are described.

A method for sharing digital identity data, the method comprising, using an identity network, receiving a sign-up request for a user from a relying party, providing, for display to a user interface of a user device, a list of identity providers, in response to receiving a selection of the identity provider from the list of identity providers, causing the user interface to display a login page associated with the selected identity provider, receiving, from the selected identity provider, a plurality of identity attributes associated with the user, providing, for display to the user interface, the plurality of identity attributes associated with the user, receiving consent from the user to share the plurality of identity attributes associated with the user with the relying party, and redirecting the user interface to a page associated with the relying party.

A payment and authentication network may include a communications interface, one or more processors, and a memory. The memory may have instructions stored thereon that, when executed by the one or more processors cause the one or more processors to receive, using the communications interface, transaction information associated with a transaction from a merchant system and generate a fraud risk score based on the transaction information. The instructions may cause the one or more processors to determine that the fraud risk score is indicative that the transaction is likely fraudulent and transmit an alert to a user device that informs a user of the user device that the transaction is likely fraudulent prior to generating an approval decision for the transaction.

A compromised data exchange system extracts data from websites using a crawler, detects portions within the extracted data that resemble personally identifying information (PII) data based on PII data patterns using a risk assessment module, and compares a detected portion to data within a database of disassociated compromised PII data to determine a match using the risk assessment module. A risk score may be assigned to a data item within the database in response to determining the match. In some embodiments, URL data may also be detected in the extracted data. The detected URL data represents further websites that can be automatically crawled by the system to detect further PII data.

In response to a request for risk assessment of a person-to-person (P2P) payment transaction, a risk assessment system returns a payer risk score, a payee risk score and a joint/fusion risk score. Risk scores are based on large amounts of data (including transaction data) provided by multiple financial institutions. The data is sorted and linked to individual people (e.g., common account holders), and assembled by a profile system into payee, payer and joint profiles for purposes of risk evaluation. A database associated with a profile system separately stores the profiles (and associated risk scores). Risk scores (payer, payee and joint) are provided for a transaction in response to a payer ID, a payee ID and transaction data.

A method for sharing digital identity data, the method comprising, using the identity network, receiving an indication of consent from a user device to share a plurality of identity attributes with a relying party, wherein the plurality of identity attributes are associated with a user of the user device, generating an internal authorization code after receiving the consent, providing the internal authorization code to the user device, receiving the internal authorization code from the relying party, in response to receiving the internal authorization code, providing an internal access token to the relying party, receiving the internal access token from the relying party, and in response to receiving the access token, providing the plurality of identity attributes to the relying party.

A method including receiving, at a payment-messaging computing system from a biller financial institution, a request for information about a public consumer token of a consumer. The method also includes determining that the public consumer token of the consumer is registered and active in a directory of the payment-messaging computing system. The method additional includes determining a risk metric representing a risk of using the public consumer token for the bill payment. The method further includes sending the risk metric from the payment-messaging computing system to the biller financial institution to cause the biller financial institution to send the risk metric to the biller computer to allow the biller to determine whether to assume liability for the bill payment or instead request the consumer financial institution assume liability and whether to perform a step-up authentication, based on the risk metric. The method additionally includes receiving, at the payment-messaging computing system from the biller financial institution, an authorization message for the bill payment after the authorization message was provided to the biller financial institution by the biller computer. The method further includes sending the authorization message for the bill payment to the consumer financial institution, to cause the consumer financial institution to send a real-time payment message through the payment-messaging computing system to the biller financial institution to make funds available in real-time in the biller account for the bill payment. Other embodiments are described.

A risk assessment system may include one or more processors and a memory having instructions stored thereon that, when executed by the one or more processors, cause the one or more processors to receive check information associated with a check from a receiving institution. The check information may include a first payee name, a check number, an amount, and a routing number. The instructions further cause the processors to send the check information to an issuing institution. The instructions further cause the processors to receive, from the issuing institution, a second payee name from the issuing institution. The second payee name was printed on the check issued by the issuing institution. The instructions further cause the processors to provide a response to the receiving institution, which may include the second payee name and an indication of whether the first payee name and the second payee name match.