Eric Woodward - Baselayer | LinkedIn (original) (raw)
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Financial Technology Executive passionately focused on transforming consumers' financial…
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Baselayer
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Publications
World Economic Forum January 16, 2020
In this era of unprecedented data and ubiquitous intelligence, it is essential that companies reimagine how they manage personal data and digital identities. This paper showcases innovative approaches to digital identity that are unlocking new business value for companies while empowering customers with control of their data and protection of their personal freedoms. It highlights the risks of not getting identity right, and the need for collaboration across companies and industries to realise…
In this era of unprecedented data and ubiquitous intelligence, it is essential that companies reimagine how they manage personal data and digital identities. This paper showcases innovative approaches to digital identity that are unlocking new business value for companies while empowering customers with control of their data and protection of their personal freedoms. It highlights the risks of not getting identity right, and the need for collaboration across companies and industries to realise new value. It offers models and considerations for executives to rethink how to approach digital identity in their businesses.
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BankDirector.com 2016
Accommodating customers’ desire for faster funds availability means putting them at the center of authentication process. The risk banks must mitigate as they strive for a faster payments process lies in confirming that the person transacting is the right person, transacting on the right account. With millions of customer interactions daily, organizations must be able to authenticate who is interacting, and on what device. This information is critical to assessing the risk of a specific…
Accommodating customers’ desire for faster funds availability means putting them at the center of authentication process. The risk banks must mitigate as they strive for a faster payments process lies in confirming that the person transacting is the right person, transacting on the right account. With millions of customer interactions daily, organizations must be able to authenticate who is interacting, and on what device. This information is critical to assessing the risk of a specific transaction and deploying optimal authentication technologies accordingly.
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Patents
Digital Identity Lock
Filed July 8, 2020 US 16/908,460
Digital Identity
Filed July 7, 2020 US 16/908,435
Digital Identity Step-up
Filed July 7, 2020 US 16/908,456
Digital Identity Sign-in
Filed July 7, 2020 US 16/908,453
Digital Identity Sign-up
Filed July 7, 2020 US 16/908,443
Issued February 4, 2020 US 10552823
The security of a transaction conducted at a mobile device, using a one-time password to authenticate the mobile device user, is enhanced by requiring that the mobile device also be authenticated by providing a valid mobile device ID. A security server that provides the one-time password to the mobile device also provides a hyperlink that, when selected, causes a mobile device ID, such as an IMSI, to be retrieved from a SIM in the mobile device The retrieved mobile device ID is then sent to the…
The security of a transaction conducted at a mobile device, using a one-time password to authenticate the mobile device user, is enhanced by requiring that the mobile device also be authenticated by providing a valid mobile device ID. A security server that provides the one-time password to the mobile device also provides a hyperlink that, when selected, causes a mobile device ID, such as an IMSI, to be retrieved from a SIM in the mobile device The retrieved mobile device ID is then sent to the security server. A database associated with the security server stores valid mobile device IDs, and compares the retrieved mobile device ID from the mobile device to the valid mobile device ID for that mobile device stored in the database. In alternative embodiments, the mobile device is authenticated without the use of a one-time password. In some cases the mobile device ID may be a phone number returned in an HTTP message header from the mobile device, and it is compared to a mobile device ID maintained by a bank or other entity managing the transaction.
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Issued December 10, 2019 US US10506435B2
A mobile phone number that has been provided by a customer during enrollment is verified for use. SS7 protocol data associated with the mobile phone number is collected and evaluated, and if the condition of the subscriber account associated with the phone number has changed or is inconsistent with the circumstances surrounding the enrollment of the phone number, the phone number is designated as one that is not to be called.
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Filed September 19, 2017 US US20180082302A1
A method including receiving a request from a mobile wallet operating on a mobile device to perform a provisioning of an account to the mobile wallet. The method also can include generating account information about the account. The method additionally can include generating device information about the mobile device. The method further can include sending an inquiry to a risk determination system to authenticate the provisioning of the account to the mobile wallet. The risk determination…
A method including receiving a request from a mobile wallet operating on a mobile device to perform a provisioning of an account to the mobile wallet. The method also can include generating account information about the account. The method additionally can include generating device information about the mobile device. The method further can include sending an inquiry to a risk determination system to authenticate the provisioning of the account to the mobile wallet. The risk determination system can generate a fraud risk level by applying business rules and one or more statistical modeling techniques. The method additionally can include receiving from the risk determination system a first response based on the fraud risk level. The method further can include determining whether to proceed with the provisioning of the account to the mobile wallet or to perform an additional verification based at least in part on the first response received from the risk determination system. The method additionally can include sending a second response to the mobile wallet in response to the request to perform the provisioning of the account to the mobile wallet. Other embodiments are provided.
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Filed April 24, 2019 US US20190251534A1
A transaction authentication system authenticates a transaction by determining whether a mobile device and POS device involved in the transaction are at the same location. A POS registry stores location data for POS devices. A PAN registry stores mobile device IDs corresponding to account numbers. A mobile device ID can be provided from the PAN registry in response to receiving an account number from a POS device. The mobile device ID can then be used to retrieve location information from a…
A transaction authentication system authenticates a transaction by determining whether a mobile device and POS device involved in the transaction are at the same location. A POS registry stores location data for POS devices. A PAN registry stores mobile device IDs corresponding to account numbers. A mobile device ID can be provided from the PAN registry in response to receiving an account number from a POS device. The mobile device ID can then be used to retrieve location information from a home location register maintained by a mobile service provider. The retrieved location data for a POS device and the retrieved location data for a mobile device are compared.
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Honors & Awards
2019 Top 100 Influencers in Identity
One World Identity
2019
The exclusive list recognizes influencers and leaders from across the globe, showcasing a who’s who of names to know across the identity space from entrepreneurs, business leaders and change makers, to security gurus, privacy advocates and more.
The 2019 OWI Top 100 represents pioneers, innovators and visionaries who are working to advance inclusion, improve products and services, keep personal data safe, and protect privacy.
The list ranges from individual entrepreneurs to…
The exclusive list recognizes influencers and leaders from across the globe, showcasing a who’s who of names to know across the identity space from entrepreneurs, business leaders and change makers, to security gurus, privacy advocates and more.
The 2019 OWI Top 100 represents pioneers, innovators and visionaries who are working to advance inclusion, improve products and services, keep personal data safe, and protect privacy.
The list ranges from individual entrepreneurs to members of large organizations, and covers both public sector and not-for-profit industry advocates.
https://oneworldidentity.com/influential-people-2019/
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