公开(公告)号：EP4379640A1

公开(公告)日：2024-06-05

申请号：EP23210646.8

申请日：2023-11-17

申请人： Affirm, Inc.

发明人： Wu, Yonglin ,  Kumar, Nitesh

IPC分类号： G06Q40/03

CPC分类号： G06Q40/03

摘要： A method for exploring lending approval model improvement may include receiving a plurality of loan applications, applying a model to the loan applications to determine an approved set of customers approved for financing under the model and a set of rejected customers rejected for financing under the model, determining, from the set of rejected customers, a selected group of rejected customers and approving the selected group for financing, where loan repayment activity of the selected group defines an exploratory data set, determining, based on the exploratory data set, a set of successful rejected applicants that repay loans associated with the financing for which the selected group was approved, and employing the exploratory data set to evaluate the model for replacement or modification based on the set of successful rejected applicants.

公开(公告)号：EP4379639A1

公开(公告)日：2024-06-05

申请号：EP23210645.0

申请日：2023-11-17

申请人： Affirm, Inc.

发明人： McGowan, Henry ,  Kumar, Nitesh ,  Kendrick, Jesse

IPC分类号： G06Q40/03 ,  G06Q20/24

CPC分类号： G06Q40/03 ,  G06Q20/24

摘要： A method for providing a voluntary down payment interface in association with a financing offer may include providing, to a remote device of a customer in association with a transaction between a merchant and the customer, an indication of a financing offer associated with a loan, providing, on a same page or screen of the remote device as the indication of the financing offer, a selectable option to display a down payment selector interface for making the voluntary down payment, responsive to the selectable option being selected, displaying the down payment selector interface, and, responsive to the selectable option not being selected, hiding or not displaying the down payment selector interface.

公开(公告)号：EP4280149A1

公开(公告)日：2023-11-22

申请号：EP23159361.7

申请日：2023-03-01

申请人： Hitachi, Ltd.

发明人： UCHIGAITO, Hiroshi ,  TAKEMOTO, Takashi ,  OKAMOTO, Mamoru ,  KRASIENAPIBAL, Thantip Sirinabhigupta

IPC分类号： G06Q50/00 ,  G06Q50/06 ,  F03D7/02 ,  G06Q10/04 ,  G06Q20/20 ,  G06Q40/00 ,  G06Q40/03 ,  G06Q40/04

摘要： It is provided an investment determination assistance system comprising: an input unit; a prediction unit configured to generate future forecast data; an environment simulation unit configured to simulate moves of the local energy system with use of a model representing behavior of an environment including the one or more grids, the past/present state data, and the future forecast data; a short-term operation evaluation unit configured to calculate a method of operating the one or more grids for optimizing daily power operation; and a long-term investment evaluation unit configured to output, with use of output from the prediction unit and the output from the environment simulation unit, a long-term investment evaluation result including an effect and a risk of investment for installing equipment in the one or more grids.

公开(公告)号：EP4418186A1

公开(公告)日：2024-08-21

申请号：EP24158052.1

申请日：2024-02-16

申请人： Affirm, Inc.

发明人： BACKMAN, Johan ,  LOVELY, Ned Jackson ,  DUGGAN, Laurence

IPC分类号： G06Q20/02 ,  G06Q20/22 ,  G06Q20/24 ,  G06Q40/03

CPC分类号： G06Q20/023 ,  G06Q20/227 ,  G06Q20/24 ,  G06Q40/03

摘要： A method for facilitating minimization of insufficient funds returns for ACH transfers associated with transactions may include receiving an account status associated with a bank account of a customer having a value card associated with financial transactions from the bank account, receiving status update information including account transaction data and/or user profile information associated the bank account of the customer, modifying the account status to determine an estimated account balance for the bank account based on the status update information, receiving an indication of a financial transaction involving the value card between the customer and a merchant and for which an ACH request is to be issued with respect to the bank account, employing responsive to the indication of the financial transaction a scoring algorithm based on the estimated account balance and an amount of the financial transaction to determine a success score indicative of a likelihood of avoiding an insufficient funds return for the ACH request, and determining based on the success score whether to approve the financial transaction.

公开(公告)号：EP4390825A1

公开(公告)日：2024-06-26

申请号：EP23216447.5

申请日：2023-12-13

申请人： American Express Travel Related Services Co., Inc.

发明人： BODELL, Matthew Stephen ,  CRUZ-HERRERA, Jaime A.

IPC分类号： G06Q40/04 ,  G06Q40/03 ,  G06Q20/06 ,  H04L9/00

CPC分类号： G06Q40/04 ,  H04L9/50 ,  G06Q20/065 ,  G06Q40/03 ,  G06Q20/381 ,  G06Q20/36 ,  G06Q20/227

摘要： Disclosed are various embodiments for allowing selectable currency within an account. In at least some embodiments, a system (106) can receive a first request to exchange central bank digital currencies, CBDCs, within a collateral account from a first CBDC denomination to a second CBDC denomination. The system can then obtain, from a market application (151), an exchange rate that can be used to calculate an exchange between the first CBDC denomination and the second CBDC denomination. The system (106) can identify a first amount of the first CBDC denomination within the collateral account and calculate a second amount of the second CBDC denomination. The system (106) can obtain the second amount of the second CBDC denomination and credit the second amount of the second CBDC denomination to the collateral account. The system (106) can also debit the first amount of the first CBDC denomination from the collateral account.

公开(公告)号：EP4246406A1

公开(公告)日：2023-09-20

申请号：EP23159719.6

申请日：2023-03-02

申请人： Affirm, Inc.

发明人： Alvarez, Pablo Lopez ,  Fort, Enric Gili ,  Zaragoza, Mark L Sainz ,  Liu, Oliver ,  Vilar, Eduardo

IPC分类号： G06Q30/014 ,  G06Q40/03

摘要： A method of evaluating a merchant cash advance option may include receiving time series information including a plurality of signals representing transactions of merchants and customers where at least one of the signals relates to product returns. The method may further include aggregating the time series information, generating a plurality of trained models associated with the product returns, employing a selected model to forecast return volume and repurchase volume for a given merchant, determining a risk assessment value for the given merchant, and, if the risk assessment value is below a risk threshold, providing an offer of a merchant cash advance to the given merchant based on the forecast return volume and repurchase volume.

公开(公告)号：EP4156070A1

公开(公告)日：2023-03-29

申请号：EP22198028.7

申请日：2022-09-27

申请人： Rakuten Group, Inc.

发明人： Wang, Xu

IPC分类号： G06Q40/03

摘要： [Problem] An object is to quantitatively evaluate effects of operations of prompting users for predetermined actions, and contribute to suppression of costs for operations.
[Means of Solution] An information processing apparatus includes an effect estimating unit that estimates an effect that a predetermined operation, directed to a user to prompt the user to execute a predetermined action, has on whether or not the user executes the action, and a condition outputting unit that outputs a condition relating to the operation directed to the user, on the basis of the effect that is estimated.

公开(公告)号：EP4437485A2

公开(公告)日：2024-10-02

申请号：EP22899405.9

申请日：2022-11-23

申请人： Strong Force TX Portfolio 2018, LLC

发明人： CELLA, Charles Howard ,  CARDNO, Andrew ,  DOBROWITSKY, Joshua ,  KELL, Brad ,  BUNIN, Andrew ,  EL-TAHRY, Teymour ,  SHARMA, Kunal ,  MALCHEV, Hristo ,  BLIVEN, Brent ,  CHARON, Taylor ,  PARENTI, Jenna ,  SHARP, Andrew ,  GOODMAN, Ben ,  FORTIN, Leon, Jr. ,  LOCKE, Andrew ,  DESAI, Mehul

IPC分类号： G06Q40/04 ,  G06Q30/0202 ,  G06Q40/03 ,  G06Q40/06 ,  H04L9/00

CPC分类号： G06Q40/04 ,  G06Q40/03 ,  G06Q30/0241 ,  G06Q30/0201 ,  G06Q40/08 ,  H04L9/50 ,  H04L2209/5620130101 ,  H04L63/10

公开(公告)号：EP4350582A1

公开(公告)日：2024-04-10

申请号：EP23186647.6

申请日：2023-07-20

申请人： FUJITSU LIMITED

发明人： IWAKURA, Satoko ,  NITTA, Izumi ,  OHASHI, Kyoko

IPC分类号： G06N5/022 ,  G06N20/00 ,  G06Q40/03 ,  G06N5/045

摘要： A machine learning program is executable by one or more computers and includes: an instruction for comparing a first plurality of relationship information pieces with a second plurality of relationship information pieces, the first plurality of relationship information pieces being determined in terms of an inputted configuration of a first Artificial Intelligence (Al) system and each including a plurality of attributes, the second plurality of relationship information pieces being determined in terms of a second AI system; an instruction for determining priorities of the first plurality of relationship information pieces, the priorities being based on a result of the comparing; and an instruction for outputting, as a checklist of the first AI system, one or more check items selected in accordance with the determined priorities from among a plurality of check items associated with the plurality of attributes.

公开(公告)号：EP4343666A1

公开(公告)日：2024-03-27

申请号：EP23197329.8

申请日：2023-09-14

申请人： Affirm, Inc.

发明人： Leoputera, Hanif ,  Sumathipala, Adriel ,  Chen, Nelson ,  Lin, Ting Chih ,  Gupta, Niloy ,  Swiderski, Wojciech Piotr ,  Korukonda, Raghavendra Abhinay ,  Joseph, Isaac

IPC分类号： G06Q40/03

摘要： A method for identifying a set of optimized financing programs to provide to a merchant may include receiving historical loan application data defining historical parameters associated with corresponding historical loan applications, replacing at least a portion of the historical parameters of the historical loan application data with new parameters associated with different loan terms to define a simulated loan data set defining simulated financing programs, determining a selection probability score for each of the simulated financing programs, the selection probability score indicating a likelihood of customer selection of each respective one of the simulated financing programs, determining a cash flow rating for each of the simulated financing programs, the cash flow rating estimating cash flow over time for the each respective one of the simulated financing programs, determining a valuation score based on the selection probability score and the cash flow rating of the each respective one of the simulated financing programs, and determining the set of optimized financing programs based on the valuation score of the each respective one of the simulated financing programs.