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81.发明公开公开(公告)号：US20230394035A1
公开(公告)日：2023-12-07
申请号：US18235220
申请日：2023-08-17
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.
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公开(公告)号：US11687938B1
公开(公告)日：2023-06-27
申请号：US17080476
申请日：2020-10-26
Inventor： Timothy Kramme , Elizabeth A. Flowers , Reena Batra , Miriam Valero , Puneit Dua , Shanna L. Phillips , Russell Ruestman , Bradley A. Craig
CPC classification number: G06Q20/4016 , G06N20/00 , G06Q20/24 , G06Q20/3224 , G06Q20/409
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.
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83.发明公开公开(公告)号：US20230161752A1
公开(公告)日：2023-05-25
申请号：US17978016
申请日：2022-10-31
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.
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公开(公告)号：US20230088436A1
公开(公告)日：2023-03-23
申请号：US17993758
申请日：2022-11-23
Inventor： Timothy Kramme , Elizabeth A. 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.
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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.
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Patent Agency Ranking
公开(公告)号：US11176414B1
公开(公告)日：2021-11-16
申请号：US16702735
申请日：2019-12-04
Inventor： Elizabeth Flowers , Puneit Dua , Eric Balota , Shanna L. Phillips
Abstract: Systems and methods are described for Distification of 3D imagery. A computing device may obtain a three dimensional (3D) image that includes rules defining a 3D point cloud used to generate a two dimensional (2D) image matrix. The 2D image matrix may include 2D matrix point(s) mapped to the 3D image, where each 2D matrix point can be associated with a horizontal coordinate and a vertical coordinate. The computing device can generate an output feature vector that includes, for at least one of the 2D matrix points, the horizontal coordinate and the vertical coordinate of the 2D matrix point, and a depth coordinate of a 3D point in the 3D point cloud of the 3D image. The 3D point can have a nearest horizontal and vertical coordinate pair that corresponds to the horizontal and vertical coordinates of the at least one 2D matrix point.
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公开(公告)号：US20210264511A1
公开(公告)日：2021-08-26
申请号：US15495699
申请日：2017-04-24
Inventor： Elizabeth Flowers , Puneit Dua , Eric Balota , Shanna L. Phillips
Abstract: A heuristic business impact engine includes capabilities to collect an unstructured data set and a current business context to predict future business outcomes based on past business activity. Providing a heuristic algorithm, executing the algorithm within the engine with the data set and the context may allow determination of predicted future business action. 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：US20210264437A1
公开(公告)日：2021-08-26
申请号：US15495549
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 authenticate a user's identity. By providing a heuristic algorithm with unstructured data, such as question and answer sets related to a user's activities in the past, a correlation factor can be calculated with a current context. Authenticating users using heuristic algorithms ensures precision and predictability of authentication decisions. Such heuristic algorithms may learn from each interaction and improve the accuracy of authentication decisions in the future.
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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.
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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.
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