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公开(公告)号：US20210374753A1
公开(公告)日：2021-12-02
申请号：US15465856
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: A method of identifying a potential chargeback scenario includes generating or updating chargeback candidate detection rules, at least by training a machine learning program. The machine learning program may be trained using transaction data associated with financial transactions, and using chargeback determinations, for the financial transactions, that were made in accordance with chargeback rules associated with a card network entity. The method also includes receiving an indication that fraud has been confirmed for a financial transaction associated with a merchant and a financial account, and retrieving transaction data associated with the financial transaction. The method may further include determining, by applying the chargeback candidate detection rules, that a chargeback may be warranted for the transaction, and causing an indication of such to be displayed to one or more people via one or more computing device user interfaces.
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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：US20210264458A1
公开(公告)日：2021-08-26
申请号：US15465880
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 reducing financial transaction disputes caused by introductory offers expiring, an introductory offer that is associated with customer disputes or complaints after the introductory offer has expired may be identified. Financial transaction activity associated with customers may be received, and customers having transaction activity associated with the introductory offer may be identified. An electronic notification indicating that the customers have accepted or are using the introductory offer may be generated, and transmitted to customer mobile devices to facilitate customer review and cancellation of the introductory offer prior to expiration.
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公开(公告)号：US20210150625A1
公开(公告)日：2021-05-20
申请号：US17161471
申请日：2021-01-28
Inventor： Elizabeth A. 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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Patent Agency Ranking
公开(公告)号：US11004116B1
公开(公告)日：2021-05-11
申请号：US15499150
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 determine that a user is near an asset that is listed for sale. The techniques disclosed include receiving multiple locations for a user's mobile device over a period of time and determining when the mobile device is within a predetermined threshold distance of the asset listed for sale. The techniques include building a financial profile for the user based upon financial information for the user. The financial profile may be used to determine a loan to offer to the user for purchasing the asset listed for sale based upon the financial profile.
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公开(公告)号：US10949852B1
公开(公告)日：2021-03-16
申请号：US15465977
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 facilitating detection of document-related fraud, fraudulent document detection rules may be generated or updated by training a machine learning program using image data corresponding to physical documents, and fraud determinations corresponding to the documents. The documents and fraudulent document detection rules may correspond to a first type of document. Image data corresponding to an image of one of the physical documents may be received, where the physical document corresponds to the first type of document. By applying the fraudulent document detection rules to the image data, it may be determined that the physical document is, or may be, fraudulent. An indication of whether the physical document is, or may be, fraudulent may be displayed to one or more people via one or more respective computing device user interfaces.
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公开(公告)号：US10891628B1
公开(公告)日：2021-01-12
申请号：US15499205
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 assess customer value and provide specific promotional campaigns based upon this assessed value. Users may opt in to a rewards program. With user permission or affirmative consent, user behavioral data may be monitored that may be relevant to the user's relationship as a customer with a particular business and may include various indications of the users' behaviors, actions, and/or preferences. This data may be stored as part of each user's behavioral profile, the contents of which may be analyzed to determine which customers are more profitable to the business than others. Each user may be assigned a customer value indicative of his or her individual profitability, which may be used to provide specific promotional campaigns in an attempt to maintain the more profitable customers and to improve the profitability of others.
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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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公开(公告)号：US10289938B1
公开(公告)日：2019-05-14
申请号：US15596155
申请日：2017-05-16
Inventor： Elizabeth Flowers , Puneit Dua , Eric Balota , Shanna L. Phillips
Abstract: Systems and methods are described for generating an image-based prediction model, where a computing device may obtain a set 3D images from a 3D image data source. Each of the 3D images can have 3D point cloud data and a Distification technique can be applied to the 3D point cloud data of each 3D image to generate output feature vector(s). The output feature vector(s) may then be used to train and generate the image-based prediction model.
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