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公开(公告)号：US20210264437A1
公开(公告)日：2021-08-26
申请号：US15495549
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 authenticate a user's identity. By providing a heuristic algorithm with unstructured data, such as question and answer sets related to a user's activities in the past, a correlation factor can be calculated with a current context. Authenticating users using heuristic algorithms ensures precision and predictability of authentication decisions. Such heuristic algorithms may learn from each interaction and improve the accuracy of authentication decisions in the future.
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公开(公告)号：US10769722B1
公开(公告)日：2020-09-08
申请号：US15495621
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 current business context to calculate a credit worthiness score. Providing a heuristic algorithm, executing within the engine, with the data set and the context may allow determination of predicted future contexts and recommend subsequent actions, such as assessing a credit risk of a customer transaction and reducing the risk of customer transactions by processing the available data. 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：US10366300B1
公开(公告)日：2019-07-30
申请号：US16269226
申请日：2019-02-06
Inventor： Elizabeth Flowers , Puneit Dua , Eric Balota , Shanna L. Phillips
Abstract: Systems and methods are described for generating an enhanced prediction from a 2D and 3D image-based ensemble model. In various embodiments, a computing device can be configured to obtain one or more sets of 2D and 3D images and to standardize each of the 2D and 3D images to allow for comparison and interoperability. Corresponding 2D3D image pairs can be determined from the standardized 2D and 3D pairs where the 2D and 3D images correspond based on a common attribute, such as a similar timestamp or time value. The enhanced prediction can use separate underlying 2D and 3D prediction models where the 2D and 3D images of a 2D3D pair are each input to the respective underlying 2D and 3D prediction models to generate respective 2D and 3D predict actions.
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公开(公告)号：US12236470B2
公开(公告)日：2025-02-25
申请号：US18348156
申请日：2023-07-06
Inventor： Elizabeth A. Flowers , Puneit Dua , Eric Balota , Shanna L. Phillips
IPC: G06Q40/12 , G06F40/30 , G06N3/006 , G06N5/01 , G06N5/04 , G06N20/00 , G06Q10/0631 , G06Q20/04 , G06Q20/24 , G06Q20/40 , G06Q30/01 , G06Q30/016 , G06Q30/018 , G06Q30/0601 , G06Q40/02 , G06Q40/03 , H04M3/22 , H04M3/51 , H04W12/08
Abstract: A heuristic money laundering detection engine includes capabilities to collect an unstructured data set, such as a transaction record, and detect indications of money laundering activity. By detecting money laundering activity and feeding back indications of money laundering transactions, the heuristic algorithm may continue to learn and improve detection accuracy. Such indications may include correlations to sets of transaction activity among a number of financial accounts and past indications of money laundering activity. Indications of money laundering may allow generation of audit reports for reporting to regulatory authorities.
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公开(公告)号：US20230351398A1
公开(公告)日：2023-11-02
申请号：US18348156
申请日：2023-07-06
Inventor： Elizabeth A. Flowers , Puneit Dua , Eric Balota , Shanna L. Phillips
IPC: G06Q20/40 , G06Q40/12 , G06Q30/018
CPC classification number: G06Q20/4016 , G06Q40/12 , G06Q30/018
Abstract: A heuristic money laundering detection engine includes capabilities to collect an unstructured data set, such as a transaction record, and detect indications of money laundering activity. By detecting money laundering activity and feeding back indications of money laundering transactions, the heuristic algorithm may continue to learn and improve detection accuracy. Such indications may include correlations to sets of transaction activity among a number of financial accounts and past indications of money laundering activity. Indications of money laundering may allow generation of audit reports for reporting to regulatory authorities.
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Patent Agency Ranking
公开(公告)号：US11556934B1
公开(公告)日：2023-01-17
申请号：US16997741
申请日：2020-08-19
Inventor： Elizabeth A. Flowers , Puneit Dua , Eric Balota , Shanna L. Phillips
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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公开(公告)号：US11544783B1
公开(公告)日：2023-01-03
申请号：US16986132
申请日：2020-08-05
Inventor： Elizabeth A. Flowers , Puneit Dua , Eric Balota , Shanna L. Phillips
Abstract: A heuristic engine includes capabilities to collect an unstructured data set and a current business context to calculate a credit worthiness score. Providing a heuristic algorithm, executing within the engine, with the data set and the context may allow determination of predicted future contexts and recommend subsequent actions, such as assessing a credit risk of a customer transaction and reducing the risk of customer transactions by processing the available data. 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：US20210357771A1
公开(公告)日：2021-11-18
申请号：US15495594
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, for example including question and answer sets from prior customer interactions, and predict future questions based on a current customer context. Such heuristic algorithms may learn from past data transactions and appropriate correlations with events and available data. By improving the heuristic algorithm with growing sets of question and answer interactions, the accuracy of question and answer set predictions may improve over time, allowing improved customer service and understanding of customer interaction outcomes.
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公开(公告)号：US11164238B1
公开(公告)日：2021-11-02
申请号：US16874417
申请日：2020-05-14
Inventor： Elizabeth A. Flowers , Puneit Dua , Eric Balota , Shanna L. Phillips
Abstract: A heuristic cross-selling recommendation engine includes capabilities to collect an unstructured data set and a current business context to suggest marketing actions. By providing a heuristic algorithm and executing the algorithm within the engine with the data set allows determination of predicted future contexts and optimal marketing actions. Such heuristic algorithms may learn from past marketing transactions and appropriate correlations with events and available data.
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公开(公告)号：US10810593B1
公开(公告)日：2020-10-20
申请号：US15495659
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 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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