公开(公告)号：US12235955B2

公开(公告)日：2025-02-25

申请号：US18096873

申请日：2023-01-13

Applicant: JPMorgan Chase Bank, N.A.

Inventor： Allan Anzagira ,  Freddy Lecue ,  Daniele Magazzeni ,  Saumitra Mishra

IPC: G06F21/56

Abstract: Methods and systems for detecting attempted manipulation of a machine learning model via explanation poisoning are provided. The method includes: computing explanations based on outputs of the model that include information that relates to features that affect the output of the model with respect to the first data point; assigning labels to the explanations based on the features; generating an explanation ensemble that resides in an N-dimensional space, N being equal to a number of assigned labels plus one; determining a region within the N-dimensional space for which a subsequent introduction of data causes a subsequent explanation that does not relate to the features; and when the additional data is introduced to the determined region, generating an alert message for notifying a user that a likelihood of adverse manipulation of the model is high based on the additional data.

公开(公告)号：US12235864B1

公开(公告)日：2025-02-25

申请号：US18367746

申请日：2023-09-13

Applicant: JPMorgan Chase Bank, N.A.

Inventor： Kevin J McNamara ,  Rohit Talreja ,  Paul Oreto

IPC: G06F16/25 ,  G06F16/28 ,  G06F40/20

Abstract: A method for automatically classifying and tagging natural language data is disclosed. The method includes receiving, via an application programming interface, requests from various sources, each of the requests including raw data in a natural language format; converting the raw data into structured data sets; determining, by using a model, a metadata output for each of the requests based on the corresponding structured data sets; appending the metadata output to the corresponding requests; determining an action for each of the requests based on the corresponding metadata output; and automatically initiating the action.

公开(公告)号：US20250061392A1

公开(公告)日：2025-02-20

申请号：US18234724

申请日：2023-08-16

Applicant: JPMorgan Chase Bank, N.A.

Inventor： Anton IPSEN ,  Rui Manuel Ramos Teixeira DA SILVA ,  Michael CASHMORE ,  Kirsty FIELDING ,  Nicolas MARCHESOTTI ,  Daniele MAGAZZENI ,  Manuela VELOSO

IPC: G06Q10/0631

Abstract: A method and a system for using artificial intelligence (AI) techniques to generate explanations for infeasible constrained resource allocation problems are provided. The method includes: receiving, from a user, a request for a resource allocation that includes information that relates to resources to be allocated; receiving information that relates to mandatory constraints with respect to the request; determining that an infeasibility exists with respect to fulfilling the request in a manner that satisfies each of the constraints, by applying an AI algorithm that uses a mixed-integer optimization technique for identifying at least one constraint that is impossible to satisfy; and generating an explanation for the infeasibility based on a result of the determination that the infeasibility exists.

公开(公告)号：US20250060993A1

公开(公告)日：2025-02-20

申请号：US18807665

申请日：2024-08-16

Applicant: JPMORGAN CHASE BANK, N.A.

Inventor： Sarita BAKST ,  Srikrishna KULKARNI ,  Tasleem BANU ,  KrishnaPrashanth DHARANIKOTA ,  Aditya GAMPA ,  Sayani DUTTA ,  Rahul KUMAR ,  Ajay BONDU ,  Chandrasekhar MUVVA

IPC: G06F9/48 ,  G06F9/50

Abstract: The techniques described herein relate to a method including: providing a data movement agent; providing a data movement control plane; determining, by the data movement agent, a work order, wherein the work order indicates a dataset to be moved; including, in the work order, a concurrency configuration, wherein the concurrency configuration indicates a number of parts that a file included in the dataset will be partitioned into, and a number of threads from an available thread pool that will be used to execute movement of the number of parts to a destination; receiving, by the data movement control plane and from the data movement agent, the work order; and executing, by the data movement control plane, the work order.

公开(公告)号：US20250054004A1

公开(公告)日：2025-02-13

申请号：US18796902

申请日：2024-08-07

Applicant: JPMORGAN CHASE BANK, N.A.

Inventor： Nader Michel GEMAYEL ,  Nicholas ROMANO ,  Dee PAI ,  Joshua D. SVENSON ,  Kevin MICKEY ,  Bridgette HAZELETT

IPC: G06Q30/0202 ,  G06Q30/0204

Abstract: In some aspects, the techniques described herein relate to a method including: generating, by a computer program including one or more machine learning models, for an input record, a predicted amount of deposit assets, wherein the predicted amount of deposit assets is for an individual or household associated with the input record; transforming, with a mathematical transformation, the predicted amount of deposit assets to match a corresponding percentile range defined in a publicly available household asset survey or benchmark; determining a final estimate for the predicted amount of deposit assets, wherein the final estimate is determined to be in proportion with an estimated total of individual or household deposits.

公开(公告)号：US20250053414A1

公开(公告)日：2025-02-13

申请号：US18231019

申请日：2023-08-07

Applicant: JPMorgan Chase Bank, N.A.

Inventor： Vali TAWOSI ,  Salwa Husam ALAMIR ,  Ravi Kumar TUMMALAPENTA ,  Sameena SHAH

IPC: G06F8/70

Abstract: A method and system for determining and mitigating a potential delay in task completion are disclosed. The method includes extracting previously resolved tasks and changes occurred to each of the previously resolved tasks, and calculating features for training a machine learning model. The method further includes dividing the tasks into different groups and training the machine learning model using the calculated features associated with the different groups. The method then starts a task and partially processes the respective task until reaching a cutoff time, and based on change history of the task up to the cutoff time and using the trained machine learning model, determines whether a delay is expected or not for the task.

公开(公告)号：US12223770B2

公开(公告)日：2025-02-11

申请号：US17319340

申请日：2021-05-13

Applicant: JPMorgan Chase Bank, N.A.

Inventor： Kaue Tizzo Tozzi ,  Paola Mello Zerbini

IPC: G06Q40/00 ,  G06Q20/36 ,  G06Q20/40 ,  G06V40/16

Abstract: A system and a method for performing an authentication are provided. The method includes: capturing, by using a front-facing camera of a mobile communication device, a first image of a face of a user; capturing, by using a rear-facing camera of the mobile communication device, a second image of an identification card that includes a photograph of the face of the user; comparing the first image with the second image; verifying that the first image matches the second image; obtaining user-specific information included in the second image; receiving a request to authenticate a transaction that relates to the user; receiving an input from the user that is usable for authenticating the transaction; and using the first image, the second image, the obtained user-specific information, and the received input to authenticate the transaction.

公开(公告)号：US12223493B2

公开(公告)日：2025-02-11

申请号：US18061873

申请日：2022-12-05

Applicant: JPMORGAN CHASE BANK, N.A.

Inventor： Raghu Vudathu ,  Christy Lillie ,  Joe Martei ,  Bodhi Hwang

IPC: G06Q20/00 ,  G06Q20/10 ,  G06Q20/32

Abstract: A method may include a first party computer program: (1) receiving, a first real-time communication comprising a first offer for a first amount from a second party computer program; (2) partially accepting the first offer, causing first funds to be transferred to a second party account from a first party account; sending a second real-time communication to the second computer program comprising a partial acceptance of the first offer and a second offer for a second amount; (3) receiving, from the second computer program, partial acceptance of the second offer and a third offer for a third amount, causing second funds to be transferred to the second party account from the first party account; and (4) accepting the third offer, causing third funds to be transferred to the second party account associated from the first party account.

公开(公告)号：US20250045566A1

公开(公告)日：2025-02-06

申请号：US18365808

申请日：2023-08-04

Applicant: JPMORGAN CHASE BANK, N.A.

Inventor： Zhen ZENG ,  Rachneet KAUR ,  Suchetha SIDDAGANGAPPA ,  Tucker Richard BALCH ,  Manuela VELOSO ,  Saba RAHIMI

IPC: G06N3/0455 ,  G06N3/08

Abstract: In some aspects, the techniques described herein relate to a method including: receiving, at a forecasting platform, a time series; partitioning the time series into a plurality of partitions; processing the time series with a convolutional neural network machine learning model; generating, by the convolutional neural network machine learning model, a plurality of tokens, wherein the plurality of tokens are based on the time series; processing the plurality of tokens with a transformer machine learning model; generating, by the transformer machine learning model, a transformer vector, wherein the transformer vector is based on relationships among the plurality of tokens determined by the transformer machine learning model; and assigning, by a multilayer perceptron classifier, a classification to the transformer vector.

公开(公告)号：US12218927B2

公开(公告)日：2025-02-04

申请号：US17963848

申请日：2022-10-11

Applicant: JPMorgan Chase Bank, N.A.

Inventor： Goran Loncaric ,  Mimi Wang ,  Sandeep Reddy Banala ,  Bipin More

IPC: H04L9/40

Abstract: A method for facilitating application authentication bypass based on proximate with time using device authentication is disclosed. The method includes receiving a request from a user to access an application on a user device, the request including an application authentication request; accessing the user device via a device application programming interface; retrieving, via the device application programming interface, device authentication data, the device authentication data including a timeline of successful device authentications; determining whether the device authentication data is within a predetermined threshold; authenticating the request by using the device authentication data when the device authentication data is within the predetermined threshold; and permitting access to the application based on a result of the authenticating.