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    Reducing false positives using customer data and machine learning
    51.
    发明授权
    Reducing false positives using customer data and machine learning 有权

    公开(公告)号：US10832248B1

    公开(公告)日：2020-11-10

    申请号：US15465827

    申请日：2017-03-22

    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: G06Q20/40 ,  G06Q20/32

    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.

    Heuristic credit risk assessment engine
    59.
    发明授权
    Heuristic credit risk assessment engine 有权

    公开(公告)号：US11544783B1

    公开(公告)日：2023-01-03

    申请号：US16986132

    申请日：2020-08-05

    Applicant: State Farm Mutual Automobile Insurance Company

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

    IPC: G06Q40/02 ,  G06N5/00

    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.

    USING COGNITIVE COMPUTING TO PROVIDE A PERSONALIZED BANKING EXPERIENCE
    60.
    发明申请
    USING COGNITIVE COMPUTING TO PROVIDE A PERSONALIZED BANKING EXPERIENCE 有权

    公开(公告)号：US20220083995A1

    公开(公告)日：2022-03-17

    申请号：US15499061

    申请日：2017-04-27

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

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

    IPC: G06Q20/10 ,  G06Q40/02 ,  G06N99/00 ,  G06N5/02 ,  G06Q30/02

    Abstract: Techniques are disclosed utilizing cognitive computing to improve banking experiences. A customer's account may be monitored to determine an amount of customer interactions, and that the amount of customer interactions for the customer through at least one self-service channel is less than the amount of customer interactions for the customer through at least one full-service channel. When the amount of customer interactions for the customer through the at least one self-service channel is less than the amount of customer interactions through the at least one full-service channel, the system may generate an electronic offer for the customer that includes a reward for an account associated with the customer if the customer increases usage of the at least one self-service channel and decreases usage of the at least one full-service channel for future customer interactions with the vendor.

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