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1.发明公开公开(公告)号：US20240311831A1
公开(公告)日：2024-09-19
申请号：US18121364
申请日：2023-03-14
发明人： Jennifer KWOK , Vyjayanthi VADREVU , Michael SAIA , Viraj CHAUDHARY , Phoebe ATKINS , Tyler MAIMAN , Leeyat Bracha TESSLER , Ray CHENG
CPC分类号： G06Q20/40145 , G06N20/00 , G06Q20/4016
摘要： Systems and methods for preventing fraud using behavioral biometrics may include a server with memory and a processor. The processor may be configured to create a behavioral biometric use-print for a user based on a plurality of observed and recorded user interactions and then monitor one or more behavioral biometrics of the user while the user accesses a user account. These monitored behavioral biometrics may be compared against the behavioral biometric use-print to determine if there are material deviations indicating that the user is under stress. When the server determines that the user is under stress, it may provide an intervention to help safeguard against potential in-process fraud.
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公开(公告)号：US20240111961A1
公开(公告)日：2024-04-04
申请号：US18199480
申请日：2023-05-19
发明人： Jennifer KWOK , Casey HAN , Daniel E. MILLER , Dan LIN , Esther Uhri CHO , Alexander MIRELES , Phoebe ATKINS
IPC分类号： G06F40/35 , G06F3/0481 , G06F3/04842 , G06Q10/0635
CPC分类号： G06F40/35 , G06F3/0481 , G06F3/04842 , G06Q10/0635 , H04L51/02
摘要： A system and method employs a chatbot into which a user can input an inquiry/question regarding a risk related topic is disclosed. The user can obtain an answer to the inquiry. The system and method can receive, via a chatbot interface, an inquiry. An intent of the inquiry can be determined using a natural language processing (NLP) model. The inquiry can be matched, using a classifier, to a related data set based on the determined intent. An output can be generated based on the related data set in response to the inquiry. The output can be transmitted for display on the chatbot interface.
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公开(公告)号：US20240311456A1
公开(公告)日：2024-09-19
申请号：US18122628
申请日：2023-03-16
发明人： Jennifer KWOK , Phoebe ATKINS , Viraj CHAUDHARY , Leeyat Bracha TESSLER , Tyler MAIMAN , Ray CHENG , Vyjayanthi VADREVU , Michael SAIA
IPC分类号： G06F21/32
CPC分类号： G06F21/32
摘要： The present embodiments disclose systems and methods for authenticating a user with behavioral biometrics associated with a card. The card includes an accelerometer configured to measure the orientation of the card body. The system includes the card and a software application. The software application generates a user profile based on observed card biometrics, then determines whether a recent transaction significantly deviates from the profile.
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4.发明公开公开(公告)号：US20240152997A1
公开(公告)日：2024-05-09
申请号：US18411913
申请日：2024-01-12
发明人： Lin Ni Lisa CHENG , Joshua EDWARDS , Phoebe ATKINS , Max MIRACOLO , Cruz VARGAS , Brian MCCLANAHAN , Alexander LIN , Louis BUELL , Michael MOSSOBA
IPC分类号： G06Q40/03 , G06F40/289 , G06F40/58
CPC分类号： G06Q40/03 , G06F40/289 , G06F40/58 , G06N20/00
摘要： In some implementations, a credit decision platform may receive a credit request from an applicant and obtain domestic historical data associated with the applicant from a credit bureau device. The credit decision platform may obtain access to an email account associated with the applicant based on determining that the domestic historical data associated with the applicant is insufficient to process the credit request. The credit decision platform may identify, using one or more machine learning models, a set of email messages included in the email account that are relevant to the credit request and may analyze content included in the set of email messages to generate non-domestic historical data associated with the applicant. The credit decision platform may generate a decision on the credit request based on an estimated creditworthiness of the applicant, which may be determined based on the non-domestic historical data.
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公开(公告)号：US20230316372A1
公开(公告)日：2023-10-05
申请号：US17657250
申请日：2022-03-30
发明人： Lukiih CUAN , Lea CODY , Phoebe ATKINS
CPC分类号： G06Q30/0631 , G06Q10/02 , G06N20/00
摘要： In some implementations, a system may generate a first exchange profile for a first user and a second exchange profile for a second user. The first exchange profile may identify one or more characteristics of an exchange behavior of the first user based on exchange data of the first user, and the second exchange profile may identify one or more characteristics of an exchange behavior of the second user based on exchange data of the second user. The system may receive, from a first device of the first user, a request for a selection for the first user. The system may determine, based on the first exchange profile and the second exchange profile, an entity that is relevant to the first user. The system may transmit, to the first device of the first user, information indicating the selection for the first user, where the selection identifies the entity.
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公开(公告)号：US20230185436A1
公开(公告)日：2023-06-15
申请号：US17644428
申请日：2021-12-15
发明人： Kathryn TIKOIAN , Tyler MAIMAN , Phoebe ATKINS
IPC分类号： G06F3/04842 , G06F3/04815 , G06F3/0487 , G06T7/70
CPC分类号： G06F3/04842 , G06F3/04815 , G06F3/0487 , G06T7/70
摘要： A server device may be configured to obtain image data that depicts a set of objects associated with a user. The server device may be configured to process, using at least one image analysis technique, the image data to determine identification information for each object of the set of objects. The server device may be configured to obtain exchange data related to at least one exchange log of the user and may be configured to determine, based on the exchange data and the identification information, estimated exchange information for each object of a subset of objects of the set of objects. The server device may be configured to determine, based on the estimated exchange information, estimated assessment information for each object of the subset of objects and may be configured to generate, based on the estimated assessment information, presentation information for display via a graphical user interface (GUI).
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公开(公告)号：US20230083785A1
公开(公告)日：2023-03-16
申请号：US17477244
申请日：2021-09-16
发明人： Tyler MAIMAN , Negar KALBASI , Salik SHAH , Matthew HORTON , Abdelkader M'Hamed BENKREIRA , Phoebe ATKINS , Imren JOHAR
摘要： Exemplary embodiments may provide keys for unlocking access to a location, like a user room, a secure location, a door at an employee location, a trunk, a closet or other locked location or item, on a payment card. Examples of a payment card include but are not limited to a credit card, a debit card, a smart card, an employee identification card, etc. A secure token that acts as digital key may be uploaded to the payment card. The payment card may then be put in close proximity of a wireless reader at the lock. The wireless reader obtains the secure token and extracts the contents. If the contents are proper, the lock is unlocked. Otherwise, the lock remains locked.
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公开(公告)号：US20240349048A1
公开(公告)日：2024-10-17
申请号：US18663844
申请日：2024-05-14
发明人： Rajko ILINCIC , Lin Ni Lisa CHENG , Phoebe ATKINS , Deny DANIEL , Cruz VARGAS
摘要： Methods and systems are disclosed herein for secure communication between computing devices. A mobile device may communicate with an untrusted device to cause the untrusted device to send information (e.g., encrypted information that the untrusted device is unable to decrypt) to a server using an Internet connection of the untrusted device. The mobile device may have limited or no access to the Internet. To prevent potential security risks associated with using a public or untrusted device, the mobile device may encrypt information stored on the mobile device (e.g., stored in a mobile application associated with the server), send it to the untrusted device (e.g., by displaying a QR code to a camera of the untrusted device), and the untrusted device may send the information to the server via a network connection of the untrusted device.
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9.发明公开公开(公告)号：US20240311780A1
公开(公告)日：2024-09-19
申请号：US18122072
申请日：2023-03-15
发明人： Phoebe ATKINS , Xiaoguang ZHU , Ray CHENG
CPC分类号： G06Q20/102 , G06Q20/223 , G06Q20/4014
摘要： Systems and methods for implementing an automated process for detection of a shared recurring bills and identification of a set of corresponding person-to-person transactions associated with shared portions of the recurring bill. The identification process is prediction-based and contingent upon an analysis of a user's transaction records. A key aspect of the analysis is directed towards transaction amount data (fraction test) and occurrence patterns, derived from the transaction records, in order to identify a shared bill and a set of person-to-person (P2P) transfer transactions associated therewith. Upon identification of a set of P2P transfer transactions associated with a recurrent shared bill, an automation option may be provided to the user.
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公开(公告)号：US20230367816A1
公开(公告)日：2023-11-16
申请号：US18226905
申请日：2023-07-27
发明人： Phoebe ATKINS , Max MIRACOLO , Joshua EDWARDS , Brian MCCLANAHAN , Alexander LIN , Lin Ni Lisa CHENG , Cruz VARGAS
IPC分类号： G06F16/9032 , G06F16/901 , G06N20/00 , G06F16/9038 , G06F16/9035 , G06F18/214
CPC分类号： G06F16/90332 , G06F16/9017 , G06N20/00 , G06F16/9038 , G06F16/9035 , G06F18/214
摘要： A processor may receive data and generate a quantified representation of the data by processing the data using at least one machine learning (ML) algorithm, the quantified representation of the data indicating a sentiment of content of the data. The processor may automatically revise the content of the communications data. The revising may include determining a reaction to the content of the communications data, generating a quantified representation of the reaction, determining a difference between the quantified representation of the reaction and the quantified representation of the communications data, identifying, based on the difference, a portion of the content having an unintended sentiment, and replacing the portion of the content with different content.
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