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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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公开(公告)号：US10977725B1
公开(公告)日：2021-04-13
申请号：US15498740
申请日：2017-04-27
Inventor： Elizabeth Flowers , Puneit Dua , Alan Zwilling , Adam Mattingly , Melissa Attig , Reena Batra
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：US10970641B1
公开(公告)日：2021-04-06
申请号：US15495579
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. Providing a heuristic algorithm, executing within the engine, with the data set and the context may allow determination of predicted future contexts and subsequent actions that refine and improve the quality of service provided to a customer. 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：US20210065186A1
公开(公告)日：2021-03-04
申请号：US15466009
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 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：US10832249B1
公开(公告)日：2020-11-10
申请号：US15495603
申请日：2017-04-24
Inventor： Elizabeth Flowers , Puneit Dua , Eric Balota , Shanna L. Phillips
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：US10810663B1
公开(公告)日：2020-10-20
申请号：US15495648
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, including document image data and correlate the image data with known valid data to detect document fraud. Notifications of fraud detection may include particular signature images, or characteristics of a document image. By feeding back indications of document fraud with correlations to past instances of fraud into the heuristic algorithm, the algorithm may learn and improve in fraud detection accuracy.
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公开(公告)号：US10699319B1
公开(公告)日：2020-06-30
申请号：US15495693
申请日：2017-04-24
Inventor： Elizabeth 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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29.发明申请公开(公告)号：US20170323345A1
公开(公告)日：2017-11-09
申请号：US15498828
申请日：2017-04-27
Inventor： Elizabeth Flowers , Puneit Dua , Alan Zwilling , Adam Mattingly , Melissa Attig , Reena Batra
Abstract: Techniques are disclosed utilizing cognitive computing to improve commercial communications from vendors to users. A user's financial account(s) and location may be monitored to determine when a user is within a threshold distance of a vendor. If the user is within the threshold distance the methods and systems disclosed may determine which targeted commercial communications to transmit to the user based upon a shopping profile for the user. The shopping profile may include a dataset indicative of the shopping habits of the user.
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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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