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公开(公告)号：US12073408B2
公开(公告)日：2024-08-27
申请号：US18222263
申请日：2023-07-14
Inventor： Timothy Kramme , Elizabeth Flowers , Reena Batra , Miriam Valero , Puneit Dua , Shanna L. Phillips , Russell Ruestman , Bradley A. Craig
IPC: G06Q20/40 , G06N5/046 , G06N20/00 , G06Q20/10 , G06Q20/20 , G06Q20/24 , G06Q20/32 , G06Q20/34 , G06Q30/018 , G06Q30/0207 , G06Q30/0241
CPC classification number: G06Q20/4016 , G06N5/046 , G06N20/00 , G06Q20/102 , G06Q20/20 , G06Q20/24 , G06Q20/3224 , G06Q20/34 , G06Q20/401 , G06Q20/407 , G06Q20/409 , G06Q30/0185 , G06Q30/0225 , G06Q30/0248
Abstract: A method of detecting whether electronic fraud alerts are false positives includes receiving data detailing a financial transaction, inputting the data into a rules-based engine that determines whether to generate an electronic fraud alert for the financial transaction based upon the data, and, when an electronic fraud alert is generated, inputting the data into a machine learning program trained to identify one or more facts indicated by the data. The method may also include determining whether the identified facts can be verified by customer data and, in response to determining that the facts can be verified, retrieving or receiving first customer data. The method may further include verifying that the electronic fraud alert is not a false positive based upon analysis of the first customer data, and transmitting the verified electronic fraud alert to a mobile device of the customer to alert the customer to fraudulent activity.
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公开(公告)号：US11334894B1
公开(公告)日：2022-05-17
申请号：US15466014
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 using customer data to determine that geolocation-based fraud alerts are false positives, it may be determined that an electronic fraud alert is a geolocation-based alert generated based upon an unexpected or abnormal transaction location. In response, customer data may be obtained from two or more sources via radio frequency links. It may then be determined that the customer data from the sources indicates that a customer is traveling. In response, it may be determined that a customer location indicated by the customer data corresponds to the transaction location. In response to determining that the customer location corresponds to the transaction location, the electronic fraud alert may be marked as a false positive, and the electronic fraud alert may be prevented from being transmitted to a mobile device of the customer, in order to reduce an amount of false positives that are transmitted to customers.
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公开(公告)号：US20210264429A1
公开(公告)日：2021-08-26
申请号：US15466002
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 false positives among geolocation-based fraud alerts issued in connection with card-present financial transactions, it may be determined that a fraud alert exists for a card-present financial transaction. A first geographic location, at which information associated with a debit or credit card account was obtained by swiping or inserting a card, may be determined, along with a time of the transaction. Based upon geolocation data indicating one or more geographic locations of the authorized cardholder, it may be determined that the authorized cardholder was at a second geographic location at the time of the financial transaction. If the second geographic location corresponds to the first geographic location, the fraud alert may be marked as a false positive, such that no fraud alert is sent to the authorized cardholder in connection with the financial transaction.
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公开(公告)号：US11037159B1
公开(公告)日：2021-06-15
申请号：US15465858
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 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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公开(公告)号：US11032422B1
公开(公告)日：2021-06-08
申请号：US15495743
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, such as a agent sales transaction record, and generate an agent training suggestion for subsequent action. Providing the heuristic engine with relevant data sets and a current context may allow determination of predicted future customer contexts and subsequent actions. The heuristic engine may learn from past data transactions and appropriate correlations with events and available data.
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Patent Agency Ranking
公开(公告)号：US10825028B1
公开(公告)日：2020-11-03
申请号：US15465874
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 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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公开(公告)号：US20250014043A1
公开(公告)日：2025-01-09
申请号：US18890265
申请日：2024-09-19
Inventor： Timothy Kramme , Elizabeth Flowers , Reena Batra , Miriam Valero , Puneit Dua , Shanna L. Phillips , Russell Ruestman , Bradley A. Craig
IPC: G06Q20/40 , G06N5/046 , G06N20/00 , G06Q20/10 , G06Q20/20 , G06Q20/24 , G06Q20/32 , G06Q20/34 , G06Q30/018 , G06Q30/0207 , G06Q30/0241
Abstract: A method of detecting whether electronic fraud alerts are false positives includes receiving data detailing a financial transaction, inputting the data into a rules-based engine that determines whether to generate an electronic fraud alert for the financial transaction based upon the data, and, when an electronic fraud alert is generated, inputting the data into a machine learning program trained to identify one or more facts indicated by the data. The method may also include determining whether the identified facts can be verified by customer data and, in response to determining that the facts can be verified, retrieving or receiving first customer data. The method may further include verifying that the electronic fraud alert is not a false positive based upon analysis of the first customer data, and transmitting the verified electronic fraud alert to a mobile device of the customer to alert the customer to fraudulent activity.
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公开(公告)号：US20250005661A1
公开(公告)日：2025-01-02
申请号：US18884722
申请日：2024-09-13
Inventor： Elizabeth Flowers , Puneit Dua , Eric Balota , Shanna L. Phillips
Abstract: A heuristic engine includes capabilities to collect an unstructured data set and a current business context to calculate a credit worthiness score. Providing a heuristic algorithm, executing within the engine, with the data set and the context may allow determination of predicted future contexts and recommend subsequent actions, such as assessing a credit risk of a customer transaction and reducing the risk of customer transactions by processing the available data. 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：US20240249295A1
公开(公告)日：2024-07-25
申请号：US18624826
申请日：2024-04-02
Inventor： Timothy Kramme , Elizabeth Flowers , Reena Batra , Miriam Valero , Puneit Dua , Shanna L. Phillips , Russell Ruestman , Bradley A. Craig
IPC: G06Q30/018 , G06N5/046 , G06N20/00 , G06Q20/10 , G06Q20/20 , G06Q20/24 , G06Q20/32 , G06Q20/34 , G06Q20/40 , G06Q30/0207 , G06Q30/0241
CPC classification number: G06Q30/0185 , G06N5/046 , G06N20/00 , G06Q20/102 , G06Q20/20 , G06Q20/24 , G06Q20/3224 , G06Q20/34 , G06Q20/401 , G06Q20/4016 , G06Q20/407 , G06Q20/409 , G06Q30/0225 , G06Q30/0248
Abstract: In a computer-implemented method of using customer data to determine that geolocation-based fraud alerts are false positives, it may be determined that an electronic fraud alert is a geolocation-based alert generated based upon an unexpected or abnormal transaction location. In response, customer data may be obtained from two or more sources via radio frequency links. It may then be determined that the customer data from the sources indicates that a customer is traveling. In response, it may be determined that a customer location indicated by the customer data corresponds to the transaction location. In response to determining that the customer location corresponds to the transaction location, the electronic fraud alert may be marked as a false positive, and the electronic fraud alert may be prevented from being transmitted to a mobile device of the customer, in order to reduce an amount of false positives that are transmitted to customers.
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公开(公告)号：US11670097B2
公开(公告)日：2023-06-06
申请号：US17509402
申请日：2021-10-25
Inventor： Elizabeth Flowers , Puneit Dua , Eric Balota , Shanna L. Phillips
CPC classification number: G06V20/597 , G06F18/2137 , G06F18/22 , G06V10/32 , G06V10/811 , G06V20/41 , G06V40/168
Abstract: Systems and methods are described for Distification of 3D imagery. A computing device may obtain a three dimensional (3D) image that defines a 3D point cloud used to generate a two dimensional (2D) image matrix. The 2D image matrix may include 2D matrix point(s), 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 at least one 2D matrix point of the 2D image matrix, and a 3D point in the 3D point cloud of the 3D image. The 3D point in the 3D point cloud is mapped to a coordinate pair comprised of the horizontal coordinate and the vertical coordinate of the at least one 2D matrix point of the 2D image matrix point. The output feature vector is input into a predictive model.
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