公开(公告)号：US20230035639A1

公开(公告)日：2023-02-02

申请号：US17389532

申请日：2021-07-30

Applicant: Intuit Inc.

Inventor： Runhua Zhao ,  Vinay Patlolla ,  Nikolas Terani ,  Taylor J. Cressy ,  Henry Venturelli

IPC: G06Q20/40 ,  G06F16/338 ,  G06F16/33 ,  G06F16/35

Abstract: A method may include generating a vector from unstructured data included in an untransformed transaction, and determining, for the vector, a cluster ID of cluster IDs by matching the vector with a matching cluster vector of cluster vectors. The method may further include generating a query using the cluster ID and the untransformed transaction, and transforming, using the cluster IDs, untransformed transactions to transformed transactions. The transformed transactions may each include a cluster ID. The method may further include generating, using the query, a query result from features of the transformed transactions, generating a fraud score using the query result, and presenting the fraud score and the cluster ID.

公开(公告)号：US20210065191A1

公开(公告)日：2021-03-04

申请号：US16557962

申请日：2019-08-30

Applicant: Intuit Inc.

Inventor： Natalie De Shetler ,  Henry Venturelli ,  Taylor Cressy ,  Nikolas Terani

IPC: G06Q20/40 ,  G06N20/00 ,  G06F17/18

Abstract: In general, in one aspect, one or more embodiments relate to a method including receiving, in a business rules engine, input data from disparate data sources. The input data describes a merchant and an application by the merchant to use an electronic payments system for processing transactions between the merchant and customers. Featurization is performed on the input data to form a machine readable vector. By applying the machine readable vector as input to a machine learning model in a machine learning layer, a risk score is predicted. The machine learning model is trained using training data describing use of the electronic payments system by other merchants. The risk score is an estimated probability of the merchant being unable to satisfy an obligation of using the electronic payments system. A business rules engine, based on the risk score, limits use of the electronic payments system by the merchant.

公开(公告)号：US12229780B2

公开(公告)日：2025-02-18

申请号：US17389532

申请日：2021-07-30

Applicant: Intuit Inc.

Inventor： Runhua Zhao ,  Vinay Patlolla ,  Nikolas Terani ,  Taylor J. Cressy ,  Henry Venturelli

IPC: G06Q40/00 ,  G06F16/338 ,  G06Q20/40 ,  G06N20/00

Abstract: A method may include generating a vector from unstructured data included in an untransformed transaction, and determining, for the vector, a cluster ID of cluster IDs by matching the vector with a matching cluster vector of cluster vectors. The method may further include generating a query using the cluster ID and the untransformed transaction, and transforming, using the cluster IDs, untransformed transactions to transformed transactions. The transformed transactions may each include a cluster ID. The method may further include generating, using the query, a query result from features of the transformed transactions, generating a fraud score using the query result, and presenting the fraud score and the cluster ID.

公开(公告)号：US11869008B2

公开(公告)日：2024-01-09

申请号：US17515327

申请日：2021-10-29

Applicant: Intuit Inc.

Inventor： Nghiem Le ,  Leandro Alves ,  Nikolas Terani ,  Eugene Bendersky ,  Taylor Cressy

IPC: G06Q20/40 ,  G06Q20/24

CPC classification number: G06Q20/4016 ,  G06Q20/24

Abstract: A system receives a request for payment of a transaction between a vendor and a consumer, and sends a first request to a database associated with the online service for historical transactions and personal attributes of the vendor concurrently with sending a second request to a number of third-party services for credit information and personal attributes of the consumer. The system receives information responsive to the first and second requests from the database and the third-party services, respectively, and obtains a risk score for the transaction based on an application of one or more risk assessment rules to the received information by a machine learning model trained with at least the historical transactions and the personal attributes of the vendor. In some aspects, the system determines whether to advance funds to the vendor, prior to requesting payment from a consumer account, based at least in part on the risk score.

公开(公告)号：US11645656B2

公开(公告)日：2023-05-09

申请号：US16557962

申请日：2019-08-30

Applicant: Intuit Inc.

Inventor： Natalie De Shetler ,  Henry Venturelli ,  Taylor Cressy ,  Nikolas Terani

IPC: G06F17/18 ,  G06N20/00 ,  G06Q20/40

CPC classification number: G06Q20/4016 ,  G06F17/18 ,  G06N20/00

Abstract: In general, in one aspect, one or more embodiments relate to a method including receiving, in a business rules engine, input data from disparate data sources. The input data describes a merchant and an application by the merchant to use an electronic payments system for processing transactions between the merchant and customers. Featurization is performed on the input data to form a machine readable vector. By applying the machine readable vector as input to a machine learning model in a machine learning layer, a risk score is predicted. The machine learning model is trained using training data describing use of the electronic payments system by other merchants. The risk score is an estimated probability of the merchant being unable to satisfy an obligation of using the electronic payments system. A business rules engine, based on the risk score, limits use of the electronic payments system by the merchant.