Jack Henry was granted a patent for multimodal payment fraud prevention.

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  "signal_subtype": "patentGrant",
  "detected_at": "2026-09-30T17:22:19+00:00",
  "company": {
    "name": "Jack Henry & Associates",
    "domain": "jackhenry.com"
  },
  "data": {
    "cpc": [
      {
        "code": "G06Q 20/4016",
        "label": "Data processing systems for administrative, commercial, financial, managerial or supervisory purposes"
      }
    ],
    "tags": [
      "Intellectual Property",
      "Research & Development",
      "Banking",
      "Fraud Protection"
    ],
    "detail": "In September 2026 Jack Henry patented fraud controls for financial institutions that monitor transactions across payment rails before they reach core banking services.",
    "summary": "Jack Henry was granted a patent for multimodal payment fraud prevention.",
    "event_at": "2026-09-29",
    "inventors": [
      {
        "name": "Benjamin Metz",
        "status": "unresolved",
        "is_primary": true
      }
    ],
    "tech_area": "business methods / CRM / fintech",
    "event_kind": "grant_date",
    "grant_date": "2026-09-29",
    "source_url": "https://patents.google.com/patent/US12749080",
    "cpc_primary": {
      "code": "G06Q 20/4016",
      "label": "Data processing systems for administrative, commercial, financial, managerial or supervisory purposes"
    },
    "patent_title": "Multimodal fraud detection and prevention for electronic payment platforms",
    "patent_number": "US12749080",
    "uspto_assignee": "JACK HENRY & ASSOCIATES, INC.",
    "patent_abstract": "In one example, the disclosed multimodal fraud prevention techniques are employed by an intermediary settlement platform. The intermediary settlement platform generally monitors transaction data associated with various payment rails and provides new store and forward functions, which include receiving new customer transactions before they reach core services associated with a Financial Institution (FI); executing new transactions as predicted transactions; extracting behavior metrics from the predicted transactions; quantifying predicted fraud prior to settlement (e.g., before transferring funds) using comprehensive customer identity behavior models; and performing fraud interventions based on the same. In this example, the intermediary settlement platform creates the customer identity behavior models and transforms the customer's transaction data into comprehensive behavior metrics according to the dimensions of the respective model; quantifies the customer behaviors for new transactions; and determines the degree of predicted behavior conformance between the new transaction and non-fraudulent customer behavior metrics.",
    "precision_class": "structural",
    "invention_explanation": "A system that holds and simulates new payment transactions, combines behavior signals from multiple sources, and blocks or routes activity that looks fraudulent.",
    "technologies_mentioned": [
      "fraud detection",
      "electronic payments",
      "transaction monitoring",
      "financial technology"
    ]
  }
}

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curl -X POST https://signals.autobound.ai/v1/companies/enrich \
  -H "X-API-KEY: $AUTOBOUND_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{"domain":"jackhenry.com","limit":20}'