-
公开(公告)号：US20220366433A1
公开(公告)日：2022-11-17
申请号：US17827015
申请日：2022-05-27
Inventor： Timothy Kramme , Elizabeth A. Flowers , Reena Batra , Miriam Valero , Puneit Dua , Shanna L. Phillips , Russell Ruestman , Bradley A. Craig
IPC: G06Q30/00 , G06N20/00 , G06Q20/32 , G06Q20/40 , G06Q20/24 , G06Q20/20 , G06N5/04 , G06Q20/10 , G06Q20/34 , G06Q30/02 , G06V30/40 , G06V30/194
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.
-
Patent Agency Ranking
公开(公告)号：US20210158355A1
公开(公告)日：2021-05-27
申请号：US15465871
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 pre-empting fraud disputes caused by billing aliases or unrecognized merchant billing names, an indication that a credit card financial transaction is unrecognizable by the card owner may be received. A billing alias for a merchant associated with the unrecognizable transaction may be determined, where the billing alias is named on a credit card statement as billing merchant. A brick and mortar name that the merchant associated with the billing alias is doing business as may be determined, and an electronic notification indicating the brick and mortar name of the merchant may be generated. The electronic notification may be transmitted to a mobile device of the card owner over a wireless communication channel for card owner review or approval to facilitate preventing financial disputes caused by unrecognized or unfamiliar billing aliases on credit card or other financial statements.
-
公开(公告)号：US11004079B1
公开(公告)日：2021-05-11
申请号：US15931560
申请日：2020-05-13
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 merchant computer terminal warranting a chargeback includes identifying a merchant computer terminal associated with a fraudulent financial transaction, and receiving information associated with the merchant computer terminal. The information may include an actual configuration, parameters, and/or specifications associated with the merchant computer terminal. The method also includes receiving up-to-date dispute rules associated with chargebacks, and analyzing the dispute rules to determine merchant computer terminal requirements. The method further includes comparing the terminal requirements with the information associated with the merchant computer terminal to identify whether the merchant computer terminal is compliant with the dispute rules. Based upon the comparison, an electronic notification may be generated that indicates whether a chargeback is warranted due to the merchant computing terminal being non-compliant with the dispute rule, and the electronic notification may be transmitted to a merchant computing device to facilitate resolving financial transaction disputes.
-
公开(公告)号：US10949854B1
公开(公告)日：2021-03-16
申请号：US16540505
申请日：2019-08-14
Inventor： Timothy Kramme , Elizabeth Flowers , Reena Batra , Miriam Valero , Puneit Dua , Shanna L Phillips , Russell Ruestman , Bradley A Craig
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：US10891655B1
公开(公告)日：2021-01-12
申请号：US15498872
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) and location may be monitored to predict when a user is near a retail store and the user has not used a particular account in a predetermined amount of time. The techniques disclosed include receiving a location for a user's mobile device, and determining when the mobile device is within a predetermined threshold distance of a retail store. The techniques include building a shopping profile for the user based upon shopping habits for the user. The shopping profile may be used to determine what commercial communications should be transmitted to the user to encourage them to utilize an inactive account to make a purchase at the retail store when the user is within the threshold distance of the retail store.
-
56.发明授权公开(公告)号：US10733631B2
公开(公告)日：2020-08-04
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.
-
-
-
-
-
Search Results
56
records
(took 0.025 seconds)
