公开(公告)号：US20250005661A1

公开(公告)日：2025-01-02

申请号：US18884722

申请日：2024-09-13

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Elizabeth Flowers ,  Puneit Dua ,  Eric Balota ,  Shanna L. Phillips

IPC: G06Q40/03 ,  G06N5/01

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.

公开(公告)号：US12131377B2

公开(公告)日：2024-10-29

申请号：US17984095

申请日：2022-11-09

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Elizabeth A. Flowers ,  Puneit Dua ,  Eric Balota ,  Shanna L. Phillips

IPC: G06Q40/03 ,  G06N5/01

CPC classification number: G06Q40/03 ,  G06N5/01

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.

公开(公告)号：US12125039B2

公开(公告)日：2024-10-22

申请号：US18207062

申请日：2023-06-07

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Timothy Kramme ,  Elizabeth A. 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

CPC classification number: G06Q20/4016 ,  G06N5/046 ,  G06N20/00 ,  G06Q20/102 ,  G06Q20/20 ,  G06Q20/24 ,  G06Q20/3224 ,  G06Q20/34 ,  G06Q20/401 ,  G06Q20/407 ,  G06Q20/409 ,  G06Q30/0185 ,  G06Q30/0225 ,  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.

公开(公告)号：US20240249295A1

公开(公告)日：2024-07-25

申请号：US18624826

申请日：2024-04-02

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Timothy Kramme ,  Elizabeth Flowers ,  Reena Batra ,  Miriam Valero ,  Puneit Dua ,  Shanna L. Phillips ,  Russell Ruestman ,  Bradley A. Craig

IPC: G06Q30/018 ,  G06N5/046 ,  G06N20/00 ,  G06Q20/10 ,  G06Q20/20 ,  G06Q20/24 ,  G06Q20/32 ,  G06Q20/34 ,  G06Q20/40 ,  G06Q30/0207 ,  G06Q30/0241

CPC classification number: G06Q30/0185 ,  G06N5/046 ,  G06N20/00 ,  G06Q20/102 ,  G06Q20/20 ,  G06Q20/24 ,  G06Q20/3224 ,  G06Q20/34 ,  G06Q20/401 ,  G06Q20/4016 ,  G06Q20/407 ,  G06Q20/409 ,  G06Q30/0225 ,  G06Q30/0248

Abstract: In a computer-implemented method of using customer data to determine that geolocation-based fraud alerts are false positives, it may be determined that an electronic fraud alert is a geolocation-based alert generated based upon an unexpected or abnormal transaction location. In response, customer data may be obtained from two or more sources via radio frequency links. It may then be determined that the customer data from the sources indicates that a customer is traveling. In response, it may be determined that a customer location indicated by the customer data corresponds to the transaction location. In response to determining that the customer location corresponds to the transaction location, the electronic fraud alert may be marked as a false positive, and the electronic fraud alert may be prevented from being transmitted to a mobile device of the customer, in order to reduce an amount of false positives that are transmitted to customers.

公开(公告)号：US20240169399A1

公开(公告)日：2024-05-23

申请号：US18404755

申请日：2024-01-04

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Elizabeth A. Flowers ,  Puneit Dua ,  Alan Zwilling ,  Adam Mattingly ,  Melissa Attig ,  Reena Batra

IPC: G06Q30/0251 ,  G06F17/18 ,  G06N5/04 ,  G06N7/01 ,  G06N20/00 ,  G06Q10/0631 ,  G06Q20/10 ,  G06Q20/36 ,  G06Q30/016 ,  G06Q30/0204 ,  G06Q30/0207 ,  G06Q30/0226 ,  G06Q40/02 ,  G06Q40/03 ,  H04W4/029

CPC classification number: G06Q30/0269 ,  G06F17/18 ,  G06N5/04 ,  G06N7/01 ,  G06N20/00 ,  G06Q10/063112 ,  G06Q20/108 ,  G06Q20/3676 ,  G06Q30/016 ,  G06Q30/0205 ,  G06Q30/0207 ,  G06Q30/0226 ,  G06Q30/0255 ,  G06Q30/0261 ,  G06Q30/0267 ,  G06Q40/02 ,  G06Q40/03 ,  H04W4/029 ,  G06Q50/20

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.

公开(公告)号：US11989740B2

公开(公告)日：2024-05-21

申请号：US17993758

申请日：2022-11-23

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Timothy Kramme ,  Elizabeth A. Flowers ,  Reena Batra ,  Miriam Valero ,  Puneit Dua ,  Shanna L Phillips ,  Russell Ruestman ,  Bradley A. Craig

IPC: G06Q30/01 ,  G06N5/046 ,  G06N20/00 ,  G06Q20/10 ,  G06Q20/20 ,  G06Q20/24 ,  G06Q20/32 ,  G06Q20/34 ,  G06Q20/40 ,  G06Q30/018 ,  G06Q30/0207 ,  G06Q30/0241

CPC classification number: G06Q30/0185 ,  G06N5/046 ,  G06N20/00 ,  G06Q20/102 ,  G06Q20/20 ,  G06Q20/24 ,  G06Q20/3224 ,  G06Q20/34 ,  G06Q20/401 ,  G06Q20/4016 ,  G06Q20/407 ,  G06Q20/409 ,  G06Q30/0225 ,  G06Q30/0248

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.

公开(公告)号：US11900421B2

公开(公告)日：2024-02-13

申请号：US17573940

申请日：2022-01-12

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Elizabeth A. Flowers ,  Puneit Dua ,  Alan Zwilling ,  Adam Mattingly ,  Melissa Attig ,  Reena Batra

IPC: G06Q30/00 ,  G06Q30/0251 ,  G06N5/04 ,  G06Q30/0207 ,  G06N20/00 ,  H04W4/029 ,  G06Q30/0226 ,  G06Q10/0631 ,  G06Q30/016 ,  G06Q30/0204 ,  G06Q40/02 ,  G06F17/18 ,  G06Q20/10 ,  G06Q40/03 ,  G06N7/01 ,  G06Q20/36 ,  G06N5/046 ,  G06Q50/20

CPC classification number: G06Q30/0269 ,  G06F17/18 ,  G06N5/04 ,  G06N7/01 ,  G06N20/00 ,  G06Q10/063112 ,  G06Q20/108 ,  G06Q20/3676 ,  G06Q30/016 ,  G06Q30/0205 ,  G06Q30/0207 ,  G06Q30/0226 ,  G06Q30/0255 ,  G06Q30/0261 ,  G06Q30/0267 ,  G06Q40/02 ,  G06Q40/03 ,  H04W4/029 ,  G06N5/046 ,  G06Q50/20

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.

公开(公告)号：US20230394034A1

公开(公告)日：2023-12-07

申请号：US18235214

申请日：2023-08-17

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Puneit Dua ,  Joshua James Wiggs ,  Matt Corbin ,  Dustin Helland

IPC: G06F16/23

CPC classification number: G06F16/2365 ,  G06F16/2358 ,  G06Q50/163

Abstract: The following relates generally to generating a property measurement (e.g., a property value, a construction replacement cost, a property health score, etc.) of a subject property, and, more particularly, to generating a property measurement of the subject property when at least one property parameter of the subject property is unknown or inaccurate. In some embodiments, a set of properties nearby the subject property is identified, and information of the set of properties is received. At least one property parameter (e.g., a year built, a square footage, a qualitative build grade of the subject property, etc.) is optimized. The property measurement of the subject property may then be optimized based upon the determined at least one property parameter.

公开(公告)号：US20230394033A1

公开(公告)日：2023-12-07

申请号：US18235206

申请日：2023-08-17

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： Puneit Dua ,  Joshua James Wiggs ,  Matt Corbin ,  Dustin Helland

IPC: G06F16/23

CPC classification number: G06F16/2365 ,  G06F16/2358 ,  G06Q50/163

Abstract: The following relates generally to generating a property measurement (e.g., a property value, a construction replacement cost, a property health score, etc.) of a subject property, and, more particularly, to generating a property measurement of the subject property when at least one property parameter of the subject property is unknown or inaccurate. In some embodiments, a set of properties nearby the subject property is identified, and information of the set of properties is received. At least one property parameter (e.g., a year built, a square footage, a qualitative build grade of the subject property, etc.) is optimized. The property measurement of the subject property may then be optimized based upon the determined at least one property parameter.

公开(公告)号：US11741480B2

公开(公告)日：2023-08-29

申请号：US17827015

申请日：2022-05-27

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Timothy Kramme ,  Elizabeth A. Flowers ,  Reena Batra ,  Miriam Valero ,  Puneit Dua ,  Shanna L. Phillips ,  Russell Ruestman ,  Bradley A. Craig

IPC: G06Q30/018 ,  G06N20/00 ,  G06Q20/32 ,  G06Q20/40 ,  G06Q20/24 ,  G06Q20/20 ,  G06N5/046 ,  G06Q20/10 ,  G06Q20/34 ,  G06Q30/0207 ,  G06Q30/0241

CPC classification number: G06Q30/0185 ,  G06N5/046 ,  G06N20/00 ,  G06Q20/102 ,  G06Q20/20 ,  G06Q20/24 ,  G06Q20/3224 ,  G06Q20/34 ,  G06Q20/401 ,  G06Q20/407 ,  G06Q20/409 ,  G06Q20/4016 ,  G06Q30/0225 ,  G06Q30/0248

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.