Company patents

Early Warning Services, LLC

Early Warning Services, LLC's patent strategy, while heavily focused on its core "Business Methods & Fintech" (63.0% of portfolio), shows a surprising shift in priorities, with significant declines so far in 2026 across nearly all categories, including a -71.4% YoY drop in "Network Security & Access Control" and a -64.3% YoY drop in "Computer Security." However, the company previously demonstrated an emerging focus on "Wireless Networks," which saw a remarkable 250.0% YoY growth in 2024, and a strong rebound in "Network Management & Monitoring" in 2025 with an 80.0% YoY increase, suggesting a dynamic and responsive approach to securing its fintech innovations.

Patent Trend by Technology Area

Yearly patent publications since 2023

Product themes

Product-level themes inferred from filings since 2023, with category chips showing where each theme appears. Select a theme to filter the patents below.

119 US filings (since 2023) · 12 categories · 12 themes

Access Control & Identity Management

Systems and methods for authenticating users, devices, or applications, authorizing their access to resources based on policies, and managing digital identities across various platforms.

Computer SecurityNetwork Security & Access ControlWeb & Cloud Service Protocols
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60since 2023
+13.3%YoY
Automated Transaction Systems

Systems designed to streamline and automate various commercial transactions, including mobile-enhanced processes, secure online checkouts, customer service interactions, and privilege issuance, often leveraging digital authentication.

Business Methods & Fintech
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27since 2023
-37.5%YoY
Blockchain for Secure Transactions & Identity

Focuses on using distributed ledger technology (DLT) like blockchain to secure financial transactions, manage digital identities, or ensure data integrity and traceability across various applications.

Cryptographic Mechanisms
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22since 2023
-37.5%YoY
Secure Data Sharing & Rights Management

Mechanisms to facilitate the secure exchange of data between different entities or systems while enforcing usage policies, managing digital content rights, and ensuring data consistency during replication or transfer.

Computer Security
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19since 2023
+25.0%YoY
Specialized Data Integration

Methods and systems for integrating, transforming, and managing complex or domain-specific data from disparate sources into a unified structure, often for specific applications like social networks, genomics, or business forms.

Databases & Information Retrieval
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11since 2023
+150.0%YoY
Granular Data Encryption & Access Control

Systems and methods for encrypting data at a fine-grained level (e.g., per data unit or based on sensitivity) and controlling access to it, often involving delegated authorization, contextual policies, or secure data sharing.

Cryptographic Mechanisms
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11since 2023
+33.3%YoY
Network Intrusion Detection

Systems and methods for identifying and blocking unauthorized access, malicious activities, or abnormal behavior within a network by analyzing traffic, system logs, or behavioral patterns.

Network Security & Access Control
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11since 2023
+200.0%YoY
Quantum Machine Learning

Developing and applying machine learning algorithms that leverage quantum computing principles, such as quantum circuits or autoencoders, for tasks like simulation or data processing.

Machine Learning & AI
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3since 2023
new
Document & Information Extraction

Methods and systems for identifying, extracting, and structuring specific entities, relationships, or insights from text-based documents, often involving techniques like named entity recognition, relation extraction, or summarization.

Natural Language Processing
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3since 2023
n/a
Large Model Text Generation

Techniques for generating human-like text or other content using large pre-trained models, often involving prompt engineering, speculative decoding, or multi-modal inputs for content creation.

Machine Learning & AI
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2since 2023
new
Digital Asset Management

Technologies for securing, managing, and transacting with virtual currencies, non-fungible tokens (NFTs), and other blockchain-based digital assets, including hardware wallets and tokenization schemes for various purposes.

Business Methods & Fintech
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1since 2023
new
MLOps & Model Deployment

Systems and methods for automating the lifecycle of machine learning models, including pipeline deployment, model management, versioning, and configuring for different inference environments.

Machine Learning & AI
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1since 2023
new

Patents

Showing 161-170 of 172

Page 17 of 18
US 11037122 B2GRANTED
G06Q20/20

Secure real-time transactions

Filed:2018-01-17Pub:2021-06-15
Applicant:Early Warning Services, LLC

A method including receiving, at a transaction system from a first entity, a request including a merchant identifier associated with a merchant. The transaction system can be in data communication with a first financial institution that maintains one or more first accounts of a consumer and a second financial institution that maintains a second account of the merchant. The one or more first accounts can include at least one non-demand deposit account. The transaction system can be maintained by an entity that is different from the merchant, the first financial institution, and the second financial institution. The consumer can use a mobile device at a store of the merchant to authorize paying a payment amount for one or more items in a transaction using the one or more first accounts. The method also can include determining, at the transaction system, an account identifier of the second account of the merchant maintained by a second financial institution using a merchant account database. The method additionally can include sending the account identifier from the transaction system to the first financial institution. The method further can include receiving, at the transaction system from the first financial institution, payment information regarding a payment to be made to the second account from the one or more first accounts. The payment information can include a transaction identifier, the account identifier of the second account, and the payment amount. The method additionally can include sending, from the transaction system to the second financial institution, the payment information, such that a point-of-sale terminal at the store of the merchant receives a notification of payment for the transaction in real-time while the consumer remains at the store of the merchant. Other embodiments are provided.

US 11037121 B2GRANTED
G06Q20/20

Secure real-time transactions

Filed:2018-01-17Pub:2021-06-15
Applicant:Early Warning Services, LLC

A method including performing, at a mobile device being used by a consumer, an identity authentication of the consumer. The method also can include receiving, at the mobile device, first information from a point-of-sale terminal at a store of a merchant. The first information can include a merchant identifier, a transaction identifier, and a payment amount. The merchant identifier can be associated with the merchant. The payment amount can be for one or more items to be purchased from the merchant by the consumer in a transaction. The transaction identifier can be associated with the transaction. The method additionally can include sending, from the mobile device, a request to pay the merchant for the payment amount from one or more first accounts of the consumer maintained by a first financial institution, such that the first financial institution, upon receiving the request to pay, retrieves from a transaction system an account identifier of a second account of the merchant maintained by a second financial institution based on the merchant identifier, such that the first financial institution sends to the transaction system payment information regarding a payment to be made to the second account from the one or more first accounts, such that the payment information is routed through the transaction system to the second financial institution, and such that the point-of-sale terminal receives a notification of payment for the transaction in real-time while the consumer remains at the store of the merchant. The one or more first accounts can include at least one non-demand deposit account. The transaction system can be maintained by an entity that is different from the merchant, the first financial institution, and the second financial institution. The payment information can include the transaction identifier, the account identifier of the second account, and the payment amount. Other embodiments are provided.

US 20210142328 A1APPLICATION
G06Q20/40

SYSTEM AND METHOD FOR PREVENTING FRAUD IN REAL-TIME PAYMENT TRANSACTIONS

Filed:2019-11-13Pub:2021-05-13
Applicant:Early Warning Services, LLC

A system including one or more processors and one or more non-transitory computer-readable media storing computing instructions configured to run on the one or more processors and perform various acts. The acts can include receiving, in real-time and through a computer network, a payment authorization from a first financial institution. The payment authorization can comprise a payment amount, a recipient account indicator, and a fund withholding instruction for the payment amount and associated with a release condition for the payment amount. The acts also can include after receiving the payment authorization, instructing, through the computer network, a fund withholding financial institution to post the payment amount to a fund withholding account maintained by the fund withholding financial institution. The acts further can include receiving, through the computer network and from the fist financial institution, a release decision that is based on the release condition. When the release decision is to release the payment amount to the recipient, the acts also can include (a) instructing, through the computer network, the fund withholding financial institution to debit in real-time the payment amount from the fund withholding account after receiving the release decision, and (b) instructing, through the computer network, the second financial institution to post in real-time the payment amount to the recipient account after the payment amount is debited from the fund withholding account. Other embodiments are provided.

US 10970695 B2GRANTED
G06Q20/20

Secure real-time transactions

Filed:2018-01-17Pub:2021-04-06
Applicant:Early Warning Services, LLC

A method including receiving, at a mobile device being used by a consumer, a transaction code from a point-of-sale terminal at a store of a merchant. The transaction code can include a merchant public identifier being associated with the merchant, a payment amount for one or more items to be purchased from the merchant by the consumer in a transaction, a transaction identifier for the transaction, and a digital signature. The method also can include verifying the digital signature for the transaction code. The method additionally can include sending, from the mobile device, a request to pay the merchant for the payment amount from a first account of the consumer maintained by a first financial institution, such that the first financial institution, upon receiving the request to pay, retrieves from a transaction system an account identifier of a second account of the merchant maintained by a second financial institution based on the merchant public identifier, such that the first financial institution sends to the transaction system payment information regarding a payment to be made to the second account from the first account, such that the payment information is routed through the transaction system to the second financial institution, and such that the point-of-sale terminal receives a notification of payment for the transaction in real-time while the consumer remains at the store of the merchant. The transaction system can be maintained by an entity that is different from the merchant, the first financial institution, and the second financial institution. The payment information can include the transaction identifier, the account identifier of the second account, and the payment amount. Other embodiments are provided.