UnfoldIPThemesResearch

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
Who else files here? →
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 Managementfiltered

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 1-7 of 7

Digital Asset Management
Page 1 of 1
US 20260037957 A1APPLICATION
G06Q20/36

SYSTEMS AND METHODS FOR LINKING A DIGITAL WALLET WITHIN A SEPARATE PAYMENT SERVICE

Filed:2025-08-01Pub:2026-02-05
Applicant:Early Warning Services, LLC

A computer-implemented method including determining, by a wallet server, whether a wallet of a user can be linked to a payment service account of the user. The method also can include causing a link option to be displayed to the user on a wallet user interface. The method additionally can include receiving, at the wallet server from the wallet user interface, a request to link the wallet to the payment service account. The method further can include sending, by the wallet server, card information for one or more payment cards in the wallet to a payment service server be added to the payment service account. Other embodiments are described.

US 20220292512 A1APPLICATION
G06Q20/40

SYSTEMS AND METHODS FOR SECURE ELECTRONIC TRANSFERS

Filed:2022-05-31Pub:2022-09-15
Applicant:Early Warning Services, LLC

Systems and methods including one or more processors and one or more non-transitory storage devices storing computing instructions configured to run on the one or more processors and perform receiving, at a system from a payee system for a payee, a request for a transfer from a payor to the payee, wherein: the request is sent by the payee without the payor selecting to use the system for the transfer; the payor is associated with a payor user profile of the payee system; and the request comprises a transfer token associated with the payor and the payee; retrieving a transfer data based on the transfer token, wherein: the transfer data is associated with the transfer token, a payor financial institution for the payor, and a selected payor account owned by the payor and maintained by the payor financial institution; and the transfer data comprises an access token for the payor financial institution and the payor; determining a fraud risk score for the transfer; transmitting, to a payee financial institution for the payee, the fraud risk score, wherein the payee financial institution is configured to determine a transfer decision for the transfer based at least in part on the fraud risk score and information about a payee account for the transfer, wherein: the payee account is owned by the payee and maintained by the payee financial institution; and when the transfer decision comprises an approval of the transfer by the payee financial institution, facilitating the transfer from the selected payor account to the payee account. Other embodiments are disclosed herein.

US 20220292511 A1APPLICATION
G06Q20/40

SYSTEMS AND METHODS FOR SECURE ELECTRONIC TRANSFERS

Filed:2022-05-31Pub:2022-09-15
Applicant:Early Warning Services, LLC

Systems and methods including one or more processors and one or more non-transitory storage devices storing computing instructions configured to run on the one or more processors and perform receiving a request for a transfer from a selected payor account of a payor to a payee; determining a fraud risk score for the transfer; transmitting, to a payee financial institution for the payee, the fraud risk score, wherein the payee financial institution is configured to determine a transfer decision for the transfer based at least in part on the fraud risk score and information about a payee account for the transfer, wherein the payee account is owned by the payee and maintained by the payee financial institution; and when the transfer decision comprises an approval of the transfer by the payee financial institution, facilitating the transfer from the selected payor account to the payee account, wherein facilitating the transfer comprises: sending transfer information to a payor financial institution to cause the payor financial institution to send a request for payment through a real-time settlement network to the payee financial institution to authorize a real-time credit transfer from the selected payor account to the payee account, wherein the real-time credit transfer is settled in real-time through the real-time settlement network. Other embodiments are disclosed herein.

US 20220292498 A1APPLICATION
G06Q20/38

SYSTEMS AND METHODS FOR SECURE ELECTRONIC TRANSFERS

Filed:2022-05-31Pub:2022-09-15
Applicant:Early Warning Services, LLC

Systems and methods including one or more processors and one or more non-transitory storage devices storing computing instructions configured to run on the one or more processors and perform receiving, from a payee system for a payee, a request for a transfer from a payor to the payee, wherein the payor is associated with a payor user profile of the payee system; causing a payor device for the payor to display an authorization user interface for the payor to authorize a payor financial institution to grant an access code to the system; requesting, from the payor financial institution, one or more eligible payor accounts owned by the payor and maintained by the payor financial institution; causing the payor device to display the one or more eligible payor accounts for the payor to determine a selected payor account of the one or more eligible payor accounts for the transfer; determining a fraud risk score for the transfer; transmitting, to a payee financial institution for the payee, the fraud risk score, wherein: the payee financial institution is configured to determine a transfer decision for the transfer based at least in part on the fraud risk score and information about a payee account for the transfer; and the payee account is owned by the payee and maintained by the payee financial institution; when the transfer decision comprises an approval of the transfer by the payee financial institution, facilitating the transfer from the selected payor account to the payee account; generating a transfer token associated with the payor and the payee; storing transfer data for the transfer, the transfer data being associated with the transfer token; and transmitting the transfer token to the payee system, wherein the payee system stores the transfer token with the payor user profile. Other embodiments are disclosed herein.

US 20220292492 A1APPLICATION
G06Q20/38

SYSTEMS AND METHODS FOR SECURE ELECTRONIC TRANSFERS

Filed:2022-05-31Pub:2022-09-15
Applicant:Early Warning Services, LLC

Systems and methods including one or more processors and one or more non-transitory storage devices storing computing instructions configured to run on the one or more processors and perform receiving, from a payee system for a payee, a request for a transfer from a payor to the payee, wherein: the payor is associated with a payor user profile of the payee system; and the request comprises a transfer token associated with the payor and the payee; retrieving transfer data based on the transfer token, wherein: the transfer data is associated with the transfer token, a payor financial institution for the payor, and a selected payor account owned by the payor and maintained by the payor financial institution; and the transfer data comprises an access token for the payor financial institution and the payor; using the access token to access one or more eligible payor accounts owned by the payor and maintained by the payor financial institution, the one or more eligible payor accounts comprising the selected payor account; determining a fraud risk score for the transfer; transmitting, to a payee financial institution for the payee, the fraud risk score, wherein: the payee financial institution is configured to determine a transfer decision for the transfer based at least in part on the fraud risk score and information about a payee account for the transfer; and the payee account is owned by the payee and maintained by the payee financial institution; and when the transfer decision comprises an approval of the transfer by the payee financial institution, facilitating the transfer from the selected payor account to the payee account. Other embodiments are disclosed herein.

US 20220284438 A1APPLICATION
G06Q20/40

SYSTEMS AND METHODS FOR SECURE ELECTRONIC TRANSFERS

Filed:2022-05-25Pub:2022-09-08
Applicant:Early Warning Services, LLC

Systems and methods including one or more processors and one or more non-transitory storage devices storing computing instructions configured to run on the one or more processors and perform receiving, from a payee system for a payee, a request for a transfer from a payor to the payee; causing a payor device of the payor to display an authorization user interface for the payor to authorize a payor financial institution to grant an access code to the one or more processors; in response to the payor financial institution granting the access code, requesting, from the payor financial institution, one or more eligible payor accounts owned by the payor and maintained by the payor financial institution; causing the payor device to display the one or more eligible payor accounts for the payor to determine a selected payor account of the one or more eligible payor accounts for the transfer; determining a fraud risk score for the transfer; transmitting, to a payee financial institution for the payee, the fraud risk score, wherein: the payee financial institution is configured to determine a transfer decision for the transfer based at least in part on the fraud risk score and information about a payee account for the transfer; and the payee account is owned by the payee and maintained by the payee financial institution; and when the transfer decision comprises an approval of the transfer by the payee financial institution, facilitating the transfer from the selected payor account to the payee account. Other embodiments are disclosed herein.

US 11151522 B2GRANTED
G06Q20/02

Secure transactions with offline device

Filed:2019-12-16Pub:2021-10-19
Applicant:Early Warning Services, LLC

A method being implemented via execution of computing instructions configured to run at one or more processors and stored at one or more non-transitory computer-readable media. The method can include receiving a transaction amount and a preauthorization code from a first entity. The preauthorization code can include a preauthorization amount, an expiration time, and a digital signature. The transaction amount is for a transaction authorized by a user of a mobile device at a point-of-sale terminal of the first entity. The transaction amount is less than or equal to the preauthorization amount. The mobile device received the preauthorization code and stored the preauthorization code in the mobile device while the mobile device was in data communication with a mobile wallet provider. The mobile device provided a transaction code to the point-of-sale terminal while the mobile device was unable to communicate with the mobile wallet provider. The transaction code includes the preauthorization code, a transaction identifier for the transaction, and the transaction amount. The method also can include verifying the preauthorization code using the digital signature of the preauthorization code. The method additionally can include sending an approval for the transaction to the first entity in real-time while the user remains at the point-of-sale terminal of the first entity. Other embodiments are described.

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