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公开(公告)号：US10825028B1
公开(公告)日：2020-11-03
申请号：US15465874
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 using browsing activity to identify fraudulent online or virtual applications includes receiving a virtual application over one or more radio frequency links, determining an applicant name on the virtual application, determining an IP address of a source computer from which the virtual application originated, determining an online browsing or search history associated with the IP address, determining whether the online browsing or search history indicates recent Internet searches for the applicant name, and, in response to determining that the online browsing or search history does indicate recent Internet searches for the applicant name, flagging the virtual application as fraudulent and generating an electronic alert indicating that the virtual application is fraudulent to facilitate identifying fraudulent virtual applications for goods or services.
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公开(公告)号：US12236439B2
公开(公告)日：2025-02-25
申请号：US18207069
申请日：2023-06-07
Inventor： Timothy Kramme , Elizabeth A. Flowers , Reena Batra , Miriam Valero , Puneit Dua , Shanna L. Phillips , Russell Ruestman , Bradley A. Craig
IPC: G06Q30/02 , G06N5/046 , G06N20/00 , G06Q20/10 , G06Q20/20 , G06Q20/24 , G06Q20/32 , G06Q20/34 , G06Q20/40 , G06Q30/018 , G06Q30/0207 , G06V30/194 , G06V30/41 , G06Q30/0241
Abstract: A method of reducing a future amount of electronic fraud alerts includes receiving data detailing a financial transaction, inputting the data into a rules-based engine that generates an electronic fraud alert, transmitting the alert to a mobile device of a customer, and receiving from the mobile device customer feedback indicating that the alert was a false positive or otherwise erroneous. The method also includes inputting the data detailing the financial transaction into a machine learning program trained to (i) determine a reason why the false positive was generated, and (ii) then modify the rules-based engine to account for the reason why the false positive was generated, and to no longer generate electronic fraud alerts based upon (a) fact patterns similar to fact patterns of the financial transaction, or (b) data similar to the data detailing the financial transaction, to facilitate reducing an amount of future false positive fraud alerts.
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公开(公告)号：US12026716B1
公开(公告)日：2024-07-02
申请号：US17166854
申请日：2021-02-03
Inventor： Timothy Kramme , Elizabeth Flowers , Reena Batra , Miriam Valero , Puneit Dua , Shanna L. Phillips , Russell Ruestman , Bradley A. Craig
IPC: G06K9/00 , G06K9/46 , G06K9/52 , G06K9/66 , G06Q20/20 , G06Q20/40 , G06T7/60 , G06V30/194 , G06V30/41
CPC classification number: G06Q20/4016 , G06Q20/20 , G06V30/194 , G06V30/41
Abstract: In a computer-implemented method of facilitating detection of document-related fraud, fraudulent document detection rules may be generated or updated by training a machine learning program using image data corresponding to physical documents, and fraud determinations corresponding to the documents. The documents and fraudulent document detection rules may correspond to a first type of document. Image data corresponding to an image of one of the physical documents may be received, where the physical document corresponds to the first type of document. By applying the fraudulent document detection rules to the image data, it may be determined that the physical document is, or may be, fraudulent. An indication of whether the physical document is, or may be, fraudulent may be displayed to one or more people via one or more respective computing device user interfaces.
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公开(公告)号：US20230360051A1
公开(公告)日：2023-11-09
申请号：US18222263
申请日：2023-07-14
Inventor： Timothy Kramme , Elizabeth Flowers , Reena Batra , Miriam Valero , Puneit Dua , Shanna L. Phillips , Russell Ruestman , Bradley A. Craig
IPC: G06Q20/40 , G06Q20/10 , G06Q20/24 , G06Q20/20 , G06Q30/0207 , G06Q20/34 , G06N5/046 , G06Q20/32 , G06Q30/018 , G06N20/00
CPC classification number: G06Q20/4016 , G06Q20/102 , G06Q20/401 , G06Q20/24 , G06Q20/20 , G06Q30/0225 , G06Q20/34 , G06Q20/409 , G06N5/046 , G06Q20/407 , G06Q20/3224 , G06Q30/0185 , G06N20/00 , G06Q30/0248
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：US11699158B1
公开(公告)日：2023-07-11
申请号：US17134901
申请日：2020-12-28
Inventor： Timothy Kramme , Elizabeth Flowers , Reena Batra , Miriam Valero , Puneit Dua , Shanna L. Phillips , Russell Ruestman , Bradley A. Craig
CPC classification number: G06Q20/4016 , G06Q20/24 , G06Q20/3224 , G06Q20/409
Abstract: In a method of preventing fraudulent online financial transactions, a request to authorize an online, financial transaction may be received, where the transaction is associated with a debit or credit card account. A computing device at which information associated with the debit or credit card account was entered for the transaction may be identified, and a first geographic location at which the computing device resides may be determined. Based upon geolocation data indicating one or more geographic locations of the authorized cardholder, it may be determined that the authorized cardholder was at a second geographic location at a time of the transaction. If the second geographic location does not correspond to the first geographic location, the financial transaction may be prevented from being executed.
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Patent Agency Ranking
公开(公告)号：US20210374764A1
公开(公告)日：2021-12-02
申请号：US15465868
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 of facilitating a fraud dispute resolution process, types of information historically indicative of fraud (or its absence) may be identified by training a machine learning program using transaction data associated with financial transactions and fraud determinations for those transactions. An indication that fraud is suspected for a first transaction may be received, and transaction data may be retrieved. Based upon at least one of the identified types of information and the transaction data, a first set of one or more queries that are designed to ascertain whether the first transaction was fraudulent may be generated. The first set of queries may be transmitted to a remote computing device for display to the customer, and a first set of one or more customer responses may be received. Based upon the first set of customer responses, it may be determined whether the first transaction was fraudulent.
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公开(公告)号：US20210374753A1
公开(公告)日：2021-12-02
申请号：US15465856
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 identifying a potential chargeback scenario includes generating or updating chargeback candidate detection rules, at least by training a machine learning program. The machine learning program may be trained using transaction data associated with financial transactions, and using chargeback determinations, for the financial transactions, that were made in accordance with chargeback rules associated with a card network entity. The method also includes receiving an indication that fraud has been confirmed for a financial transaction associated with a merchant and a financial account, and retrieving transaction data associated with the financial transaction. The method may further include determining, by applying the chargeback candidate detection rules, that a chargeback may be warranted for the transaction, and causing an indication of such to be displayed to one or more people via one or more computing device user interfaces.
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公开(公告)号：US20210264458A1
公开(公告)日：2021-08-26
申请号：US15465880
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 of reducing financial transaction disputes caused by introductory offers expiring, an introductory offer that is associated with customer disputes or complaints after the introductory offer has expired may be identified. Financial transaction activity associated with customers may be received, and customers having transaction activity associated with the introductory offer may be identified. An electronic notification indicating that the customers have accepted or are using the introductory offer may be generated, and transmitted to customer mobile devices to facilitate customer review and cancellation of the introductory offer prior to expiration.
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公开(公告)号：US10949852B1
公开(公告)日：2021-03-16
申请号：US15465977
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 of facilitating detection of document-related fraud, fraudulent document detection rules may be generated or updated by training a machine learning program using image data corresponding to physical documents, and fraud determinations corresponding to the documents. The documents and fraudulent document detection rules may correspond to a first type of document. Image data corresponding to an image of one of the physical documents may be received, where the physical document corresponds to the first type of document. By applying the fraudulent document detection rules to the image data, it may be determined that the physical document is, or may be, fraudulent. An indication of whether the physical document is, or may be, fraudulent may be displayed to one or more people via one or more respective computing device user interfaces.
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公开(公告)号：US20250014043A1
公开(公告)日：2025-01-09
申请号：US18890265
申请日：2024-09-19
Inventor： Timothy Kramme , Elizabeth Flowers , Reena Batra , Miriam Valero , Puneit Dua , Shanna L. Phillips , Russell Ruestman , Bradley A. Craig
IPC: G06Q20/40 , G06N5/046 , G06N20/00 , G06Q20/10 , G06Q20/20 , G06Q20/24 , G06Q20/32 , G06Q20/34 , G06Q30/018 , G06Q30/0207 , G06Q30/0241
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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