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公开(公告)号：US11170375B1
公开(公告)日：2021-11-09
申请号：US15465842
申请日：2017-03-22
Inventor： Timothy Kramme , Elizabeth Flowers , Reena Batra , Miriam Valero , Puneit Dua , Shanna L. Phillips , Russell Ruestman , Bradley A. Craig
Abstract: A method of automating a fraud classification process includes generating or updating fraud classification rules, at least by training a machine learning program using fraud classifications of a plurality of financial accounts and financial transaction data associated with those accounts. The method also includes retrieving first financial transaction data associated with a first financial account, and selecting, by applying the fraud classification rules to the first financial transaction data, a first fraud classification. The first fraud classification may be selected from among a plurality of predetermined fraud classifications. The method also includes causing an indication of the first fraud classification to be displayed to one or more people via one or more respective computing device user interfaces, the indication further specifying at least the first financial account.
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公开(公告)号：US11164091B1
公开(公告)日：2021-11-02
申请号：US15495678
申请日：2017-04-24
Inventor： Elizabeth Flowers , Puneit Dua , Eric Balota , Shanna L. Phillips
Abstract: A heuristic engine includes capabilities to collect an unstructured data set and a set of question and answer sets that allow prediction of a subsequent question by a customer. By improving prediction of a subsequent customer question the heuristic engine may improve the efficiency of customer service interactions. The heuristic engine may improve and learn by providing actual interaction sets with correlations associated with the predicted outcomes.
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公开(公告)号：US11068754B1
公开(公告)日：2021-07-20
申请号：US16372824
申请日：2019-04-02
Inventor： Elizabeth Flowers , Puneit Dua , Eric Balota , Shanna L. Phillips
Abstract: Systems and methods are described for generating an image-based prediction model, where a computing device may obtain a set of 3D images from a 3D image data source. Each of the 3D images can have 3D point cloud data and a Distification technique can be applied to the 3D point cloud data of each 3D image to generate output feature vector(s). The output feature vector(s) may then be used to train and generate the image-based prediction model.
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公开(公告)号：US10832248B1
公开(公告)日：2020-11-10
申请号：US15465827
申请日：2017-03-22
Inventor： Timothy Kramme , Elizabeth Flowers , Reena Batra , Miriam Valero , Puneit Dua , Shanna L. Phillips , Russell Ruestman , Bradley A. Craig
Abstract: A method of detecting whether electronic fraud alerts are false positives includes receiving data detailing a financial transaction, inputting the data into a rules-based engine that determines whether to generate an electronic fraud alert for the financial transaction based upon the data, and, when an electronic fraud alert is generated, inputting the data into a machine learning program trained to identify one or more facts indicated by the data. The method may also include determining whether the identified facts can be verified by customer data and, in response to determining that the facts can be verified, retrieving or receiving first customer data. The method may further include verifying that the electronic fraud alert is not a false positive based upon analysis of the first customer data, and transmitting the verified electronic fraud alert to a mobile device of the customer to alert the customer to fraudulent activity.
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公开(公告)号：US20250156928A1
公开(公告)日：2025-05-15
申请号：US19021818
申请日：2025-01-15
Inventor： Elizabeth Flowers , Puneit Dua , Eric Balota , Shanna L. Phillips
IPC: G06Q30/0601 , G06F40/30 , G06N3/006 , G06N5/01 , G06N5/04 , G06N20/00 , G06Q10/0631 , G06Q20/04 , G06Q20/24 , G06Q20/40 , G06Q30/01 , G06Q30/016 , G06Q30/018 , G06Q40/02 , G06Q40/03 , G06Q40/12 , H04M3/22 , H04M3/51 , H04W12/08
Abstract: A heuristic engine includes capabilities to collect an unstructured data set and detect instances of transaction fraud in a financial account. By providing a heuristic algorithm with unstructured transaction sets and indications of particular instances of transactions that correlate with past fraudulent activity allows prevention of future occurrences of fraud. Such heuristic algorithms may learn from past indications of fraudulent activity and improve accuracy of detection of future fraud detections.
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Patent Agency Ranking
公开(公告)号：US20230206316A1
公开(公告)日：2023-06-29
申请号：US16783979
申请日：2020-02-06
Inventor： Elizabeth Flowers , Puneit Dua , Alan Zwilling , Adam Mattingly , Melissa Attig , Reena Batra
CPC classification number: G06Q40/02 , G06Q30/0205
Abstract: Techniques are disclosed utilizing cognitive computing to improve banking experiences. A user's financial account(s) may be monitored to predict when a surplus of funds is unnecessarily present and for how long this will likely be the case. Once this is determined, techniques include automatically drafting funds from the account to another account having a higher interest rate where the funds may accrue more interest. The techniques also include predicting when an overdraft may occur and taking appropriate action when such a prediction is made. Predictions may be based upon different weighted inputs used in accordance with a predictive modeling system, which may attempt to predict for a particular user, location, and retailer, whether the user will spend an anticipated amount in excess of the user's current balance. If so, passive (e.g., notifications) and active (e.g., transferring cover funds) actions may be performed.
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公开(公告)号：US20220122071A1
公开(公告)日：2022-04-21
申请号：US15465981
申请日：2017-03-22
Inventor： Timothy Kramme , Elizabeth Flowers , Reena Batra , Miriam Valero , Puneit Dua , Shanna L. Phillips , Russell Ruestman , Bradley A. Craig
Abstract: In a computer-implemented method, a digital image of a signed financial instrument or identification card may be received from a financial institution or merchant computing terminal. The digital image may be analyzed to identify a type of financial instrument or identification card, and an originating entity. Expected fields of the instrument or card may be determined based upon the type and the originating entity. The digital image may be analyzed to identify actual fields on the instrument or card, and it may be determined whether the expected fields match the actual fields to determine whether a fraudulent field exists on the signed financial instrument or identification card. If it is determined that no fraudulent field exists, additional operations may be performed to determine whether the instrument or card contains fraudulent characters or content.
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公开(公告)号：US20210358030A1
公开(公告)日：2021-11-18
申请号：US15499089
申请日：2017-04-27
Inventor： Elizabeth Flowers , Puneit Dua , Alan Zwilling , Adam Mattingly , Melissa Attig , Reena Batra
Abstract: Techniques are disclosed to determine when a user is in need of a loan and notifying the user of loan offers. With user permission or affirmative consent, user data may be monitored for several users, which is used to build a user profile for each user. The user profile may then be analyzed to determine whether a user will require a loan within a future time period. To do so, the user data may include data from various sources, which indicate the user's interactions and behaviors such as demographic data, data indicative of user shopping habits, online browsing, life events, or other relevant behaviors. This data may then be analyzed to predict a statistical likelihood that a user will need a loan. When this statistical likelihood is exceeded, a user may be preapproved for a loan and/or a targeted notification may be sent indicating offers for certain types of loans.
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公开(公告)号：US20210357839A1
公开(公告)日：2021-11-18
申请号：US15495716
申请日：2017-04-24
Inventor： Elizabeth Flowers , Puneit Dua , Eric Balota , Shanna L. Phillips
IPC: G06Q10/06
Abstract: A heuristic business process impact assessment engine includes capabilities to collect an unstructured data set and a current business process context. Providing a heuristic algorithm and executing the heuristic algorithm within the engine with the data set may allow determination of predicted impacts on portions of a business process and suggest actions to improve business process efficiencies. Such heuristic algorithms may learn from past data transactions and appropriate correlations with events and available data.
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公开(公告)号：US20210142401A1
公开(公告)日：2021-05-13
申请号：US15499203
申请日：2017-04-27
Inventor： Elizabeth Flowers , Puneit Dua , Alan Zwilling , Adam Mattingly , Melissa Attig , Reena Batra
Abstract: Techniques are disclosed to provide customized loans on a per-user basis. With user permission or affirmative consent, user data may be monitored for several users, which may be used to calculate initial loan specifics such as a loan rate and term based upon a portion of this user input data. The user data may include demographic data, behavioral data, or other data indicative of a user's future potential earnings or other relevant information that may be analyzed to determine, for that specific user, the current likelihood that the user will default on the loan and a future likelihood of default. When this future statistical likelihood is determined, the initial loan specific may be further modified and/or a targeted notification may be sent indicating these customized loan specifics.
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