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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：US12002090B2
公开(公告)日：2024-06-04
申请号：US17560938
申请日：2021-12-23
Inventor： Benjamin Tarmann , Richard R. Rhodes , Lokesh Awasthy , Denise DeRoeck , Jaime Skaggs , Jacob J. Alt , Shanna L. Phillips , Shyam Tummala , Matthew S Meierotto , Richard D Groonwald , Brian J. Hughes
CPC classification number: G06Q40/03 , G06Q30/0278 , G06Q50/16 , H04L9/0637 , G06Q2220/00 , H04L9/50
Abstract: A system and computer-implemented method for approving a dynamic mortgage application using a blockchain. In one aspect, the method may include determining a customer is approved for a mortgage (“mortgage ready”) and determining a real estate property is mortgage ready. The method may include comparing a calculated amount in which the customer is approved for a mortgage loan with a calculated appraisal value of the real estate property, and approving the mortgage application of the customer when the calculated amount the customer is approved for the mortgage loan is equal to, or exceeds, the calculated appraisal value of the real estate property, reducing a processing time and closing time of the mortgage.
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公开(公告)号：US20230316284A1
公开(公告)日：2023-10-05
申请号：US18207062
申请日：2023-06-07
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 , G06Q20/102 , G06Q20/401 , G06Q20/24 , G06Q20/20 , G06Q30/0225 , G06Q20/34 , G06Q20/409 , G06N5/046 , G06Q20/407 , G06Q20/3224 , G06Q30/0185 , G06N20/00 , 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：US11734690B1
公开(公告)日：2023-08-22
申请号：US17066319
申请日：2020-10-08
Inventor： Elizabeth A. Flowers , Puneit Dua , Eric Balota , Shanna L. Phillips
IPC: G06Q20/40 , G06Q40/00 , G06Q30/00 , G06Q40/12 , G06Q30/018
CPC classification number: G06Q20/4016 , G06Q30/018 , G06Q40/12
Abstract: A heuristic money laundering detection engine includes capabilities to collect an unstructured data set, such as a transaction record, and detect indications of money laundering activity. By detecting money laundering activity and feeding back indications of money laundering transactions, the heuristic algorithm may continue to learn and improve detection accuracy. Such indications may include correlations to sets of transaction activity among a number of financial accounts and past indications of money laundering activity. Indications of money laundering may allow generation of audit reports for reporting to regulatory authorities.
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公开(公告)号：US20230099100A1
公开(公告)日：2023-03-30
申请号：US18071380
申请日：2022-11-29
Inventor： Elizabeth A. Flowers , Puneit Dua , Eric Balota , Shanna L. Phillips
Abstract: A heuristic engine includes capabilities to collect an unstructured data set and detect instances of transaction fraud in a financial account. By providing a heuristic algorithm with unstructured transaction sets and indications of particular instances of transactions that correlate with past fraudulent activity allows prevention of future occurrences of fraud. Such heuristic algorithms may learn from past indications of fraudulent activity and improve accuracy of detection of future fraud detections.
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Patent Agency Ranking
公开(公告)号：US20230072086A1
公开(公告)日：2023-03-09
申请号：US17984095
申请日：2022-11-09
Inventor： Elizabeth A. 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：US11348122B1
公开(公告)日：2022-05-31
申请号：US16913814
申请日：2020-06-26
Inventor： Timothy Kramme , Elizabeth A. 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：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：US11244387B1
公开(公告)日：2022-02-08
申请号：US15975442
申请日：2018-05-09
Inventor： Benjamin Tarmann , Richard R. Rhodes , Lokesh Awasthy , Denise DeRoeck , Jaime Skaggs , Jacob J. Alt , Shanna L. Phillips , Shyam Tummala , Matthew S. Meierotto , Richard D. Groonwald , Brian J. Hughes
Abstract: A system and computer-implemented method for approving a dynamic mortgage application. The method includes determining a customer is approved for a mortgage, including calculating an amount in which the customer is approved for a mortgage loan based upon the information about the customer retrieved from a memory storage location. The method further includes determining a real estate property is mortgage ready, including calculating an appraisal value for the real estate property based upon the information about the real property retrieved from the memory storage location. The method still further includes comparing the calculated amount the customer is approved for a mortgage loan with the calculated appraisal value of the real estate property, and approving the mortgage application of the customer for the real estate property when the calculated amount the customer is approved for the mortgage loan meets or exceeds the calculated appraisal value of the real estate property.
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公开(公告)号：US11151647B1
公开(公告)日：2021-10-19
申请号：US16997842
申请日：2020-08-19
Inventor： Benjamin Tarmann , Richard R. Rhodes , Lokesh Awasthy , Denise DeRoeck , Jaime Skaggs , Jacob J. Alt , Shanna L. Phillips , Shyam Tummala , Matthew S. Meierotto , Richard D. Groonwald , Brian J. Hughes
Abstract: A system and computer-implemented method of identifying multiple mortgage ready properties using computer technology and/or machine learning algorithms or artificial intelligence. The method includes receiving, via one or more processors, information from a customer approved for a mortgage about preferences for a real estate property and accessing, at a memory coupled to one or more processors, a computer file and/or memory location/address to retrieve a plurality of mortgage ready real estate properties meeting one or more of the customer preferences information. The method further includes transmitting, via the one or more processors, the plurality of real estate properties meeting one or more of the customer preferences information to the customer.
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