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公开(公告)号：US11632675B2
公开(公告)日：2023-04-18
申请号：US17950377
申请日：2022-09-22
发明人： Rick A. Beye , Monika Kapur
摘要： Aspects of the disclosure relate to authorizing an event by utilizing a high generation cellular network to authenticate a device associated with the event. A computing platform may receive, from a first device, a request to authorize an event. Subsequently, the computing platform may identify, based on an analysis of location data, that a second device is proximate to the first device. The computing platform may then prompt the second device to authenticate the first device. Then, the computing platform may receive, from the second device, an authentication token indicating whether the first device is authenticated. Based on the authentication token, the computing platform may respond to the request to authorize the event.
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公开(公告)号：US20210211501A1
公开(公告)日：2021-07-08
申请号：US17211938
申请日：2021-03-25
发明人： Monika Kapur , Sean Denton , Stephen T. Shannon
摘要： The disclosure relates to an edge computing-based distributed network architecture. A central server in the architecture may include a client-location monitoring module for tracking a principle location of a client, which may be co-located with a remote hub institution. The central server may also include a client information packaging module, for packaging information associated with the client into a digital package; a natural-disaster monitor module, for monitoring for future natural-disasters; and a transmission module for transmitting a packaging instruction from the natural-disaster monitor module to the client information packaging module when the natural-disaster monitor module communicates that a natural-disaster is predicted to occur within a certain threshold distance and within a certain threshold amount of time. The transmission module may also retrieve, following packaging, the package from the client information packaging module and transmit the digital package to the remote hub institution for secure, albeit typically temporary, storage thereat.
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3.发明公开公开(公告)号：US20240232891A1
公开(公告)日：2024-07-11
申请号：US18094447
申请日：2023-01-09
发明人： Yogi Ahuja , Mardochee Macxis , Monika Kapur , Albena Fairchild , Utkarsh Raj
CPC分类号： G06Q20/4016 , G06Q20/389 , G06Q20/405
摘要： Systems and methods for fraud prevention in a blockchain-based digital transactional system with machine-learning (ML)-powered rule generation are provided. Methods may include creating a distributed ledger in which digital blocks may include foundational transactional parameter rules, and digital blocks may include historical transactional data. Methods may include hosting ML models on the nodes, running each ML model to generate new transactional parameter rules, and adding the new transactional parameter rule as a digital block on the distributed ledger in response to a consensus. Methods may include receiving additional transactional data, running each ML model to generate a score representing a probability that the additional transactional data is associated with fraudulent activity, and triggering an alert for an account associated with the additional transactional data in response to a consensus across the plurality of ML models that the score exceeds a predetermined threshold score.
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公开(公告)号：US20230035319A1
公开(公告)日：2023-02-02
申请号：US17386690
申请日：2021-07-28
发明人： Marie Andrade , Monika Kapur
摘要： Aspects of the disclosure relate to a dynamic information masking computing platform. The dynamic information masking computing platform may receive an event processing request from a device corresponding to a first user via a merchant device. The dynamic information masking computing platform may generate masking decision data using a machine learning masking model. The dynamic information masking computing platform may receive a request for account information corresponding to the first user from a device corresponding to a second user. The dynamic information masking computing platform may mask the account information based on the masking decision data. The dynamic information masking computing platform may send the masked account information and commands directing the device corresponding to the second user to display an account interface that includes the masked record.
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公开(公告)号：US11568507B2
公开(公告)日：2023-01-31
申请号：US16598352
申请日：2019-10-10
IPC分类号： G06Q50/26 , G06Q20/38 , G06Q20/40 , G08B25/12 , G06Q40/02 , G06Q30/00 , G08B25/01 , G06Q30/06
摘要： Apparatus and methods for providing protection from economic exploitation. The apparatus and methods may include a platform for tagging a social security number and/or other suitable identification number. The system may allow a person associated with a social security number to automatically flag and deny any product or service request associated with the social security number. The alarms are “silent,” because the alarm may initiate an institution internal process in which the customer interaction with the institution follows a normal diligence process until an intervention can be effectively executed on behalf of the customer. This reduces the likelihood of a reaction from the customer's associate prior to completing the diligence process. A system may provide the customer with an opportunity to electronically activate an alarm by typing keystrokes on a card reader keypad or interacting with a physical sensor on the reader, on the card, or the like.
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公开(公告)号：US20230016590A1
公开(公告)日：2023-01-19
申请号：US17950377
申请日：2022-09-22
发明人： Rick A. Beye , Monika Kapur
摘要： Aspects of the disclosure relate to authorizing an event by utilizing a high generation cellular network to authenticate a device associated with the event. A computing platform may receive, from a first device, a request to authorize an event. Subsequently, the computing platform may identify, based on an analysis of location data, that a second device is proximate to the first device. The computing platform may then prompt the second device to authenticate the first device. Then, the computing platform may receive, from the second device, an authentication token indicating whether the first device is authenticated. Based on the authentication token, the computing platform may respond to the request to authorize the event.
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公开(公告)号：US11556873B2
公开(公告)日：2023-01-17
申请号：US16837204
申请日：2020-04-01
发明人： Jinna Kim , Richard S. Scot , Elena Kvochko , Monika Kapur , Michael Ogrinz , George Albero
摘要： Aspects of the disclosure relate to a cognitive automation based compliance management system. A computing platform may receive, via a network, an alert notification indicative of a change to a legal framework applicable to an enterprise organization. Subsequently, the computing platform may, in response to the alert notification, detect a task that may be impacted by the change. Then, the computing platform may, upon detecting the task, identify at least one task parameter associated with the task. Then, the computing platform may compare the at least one task parameter with the change to determine whether the task is impacted by the change. Subsequently, the computing platform may, upon a determination that the task is impacted by the change, recommend, via the network, one or more actions associated with the task.
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公开(公告)号：US11423339B2
公开(公告)日：2022-08-23
申请号：US16827825
申请日：2020-03-24
摘要： Systems for using cognitive automation techniques to generate resource recommendations are provided. In some examples, current resource data may be received. The current resource data may include current staffing data, skills associated with current staff, and the like. In some examples, environmental condition data may also be received. The environmental condition data may include current weather information, predicted weather information, power outage information, and the like. The resource data and environmental data may be analyzed using cognitive automation techniques to identify and/or generate one or more resource recommendations. The resource recommendations may include adjustments to staffing, modification of locations at which processes are performed, and the like. The identified or generated recommendations may be transmitted to one or more computing devices. In some examples, feedback data may be received based on the recommendations and the cognitive automation model may be updated and/or validated based on the feedback data.
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公开(公告)号：US10930139B1
公开(公告)日：2021-02-23
申请号：US16598700
申请日：2019-10-10
摘要： Apparatus and methods for providing protection from economic exploitation. The apparatus and methods may include a platform for tagging a social security number and/or other suitable identification number. The system may allow a person associated with a social security number to automatically flag and deny any product or service request associated with the social security number. The alarms are “silent,” because the alarm may initiate an institution internal process in which the customer interaction with the institution follows a normal diligence process until an intervention can be effectively executed on behalf of the customer. This reduces the likelihood of a reaction from the customer's associate prior to completing the diligence process. A system may provide the customer with an opportunity to electronically activate an alarm by typing keystrokes on a card reader keypad or interacting with a physical sensor on the reader, on the card, or the like.
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公开(公告)号：US20230038555A1
公开(公告)日：2023-02-09
申请号：US17396215
申请日：2021-08-06
发明人： Monika Kapur , Jo-Ann Taylor , Jinna Kim , Katherine Dintenfass , Karen MacQueen
摘要： Aspects of the disclosure relate to value exchange and recommendation. A computing platform may send a selection request to a computing device for selecting one or more options for a payment transaction. The one or more options may include a value contribution in exchange for credit. The computing platform may receive, by a user of the computing device, a selection of the value contribution option. The computing platform may initiate performance of the value contribution. The computing platform may receive a notification indicating completion of the value contribution. The computing platform may identify a monetary value of the value contribution. The computing platform may cause a monetary payment to be issued to an account associated with the user of the computing device based on the identified monetary value. The computing platform may generate and send one or more recommendations associated with the payment transaction.
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