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公开(公告)号：US11593812B2
公开(公告)日：2023-02-28
申请号：US17492855
申请日：2021-10-04
IPC分类号： G06Q20/40 , G06Q40/02 , G06Q10/10 , G06Q30/00 , H03M7/30 , G06Q50/26 , G06F16/21 , G06N3/04 , G06N3/08 , G06Q50/00 , G06Q30/018
摘要： Aspects of the disclosure relate to using machine learning techniques for generating automated suspicious activity reports (SAR). A computing platform may generate a labelled transaction history dataset by combining historical transaction data with historical report information. The computing platform may train a convolutional neural network using the labelled transaction history dataset. The computing platform may receive new transaction data and compress the new transaction data using lossy compression. The computing platform may input the compressed transaction data into the convolutional neural network, which may cause the convolutional neural network to output a suspicious event probability score based on the compressed transaction data. The computing platform may determine whether the suspicious event probability score exceeds a predetermined threshold and, if so, the computing platform may send one or more commands directing a report processing system to generate a SAR, which may cause the report processing system to generate the SAR.
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公开(公告)号：US12015924B2
公开(公告)日：2024-06-18
申请号：US16940518
申请日：2020-07-28
发明人： Nancy T. Carrier , Brandon Sloane
摘要： A proxy-based method for improving digital security during a user's travel is provided. The method may include determining a bundle of merchant category classification (MCC) codes. This bundle preferably reflects a baseline travel condition. The baseline travel condition is associated with a user mobile device. The method may also include dynamically updating a characteristic associated with the bundle of MCC codes based on updated travel conditions. The method may also include determining an occurrence of an anomalous user mobile device activity. The determination may be based on a comparison of the updated characteristic associated with the bundle of MCC codes and the baseline travel conditions; and in response to a determination of anomalous user mobile device activity, increasing a security level associated with the mobile device associated with the user.
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公开(公告)号：US20220038890A1
公开(公告)日：2022-02-03
申请号：US16940518
申请日：2020-07-28
发明人： Nancy T. Carrier , Brandon Sloane
摘要： A proxy-based method for improving digital security during a user's travel is provided. The method may include determining a bundle of merchant category classification (MCC) codes. This bundle preferably reflects a baseline travel condition. The baseline travel condition is associated with a user mobile device. The method may also include dynamically updating a characteristic associated with the bundle of MCC codes based on updated travel conditions. The method may also include determining an occurrence of an anomalous user mobile device activity. The determination may be based on a comparison of the updated characteristic associated with the bundle of MCC codes and the baseline travel conditions; and in response to a determination of anomalous user mobile device activity, increasing a security level associated with the mobile device associated with the user.
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公开(公告)号：US12051053B2
公开(公告)日：2024-07-30
申请号：US18112704
申请日：2023-02-22
CPC分类号： G06Q20/28 , G06Q20/20 , G06Q20/3223 , G06Q20/3278 , G06Q20/352 , G06Q20/3829 , H04W4/021 , H04W4/80 , G06Q2220/00
摘要： A prepaid electronic funds transferring system, components, and method is provided for users that do not have checking or savings accounts. A user has a digital currency store such as, for example, in a non-checking non-savings prepaid account associated with a secure unified prepaid banking card and/or smartphone app. Interest may be provided by an issuer on funds in the digital currency store. Debit and credit transactions may be processed. NFC and UWB geo-locating can be used to find lost cards and/or the mobile device on which the app is loaded. Electronic transactions may be received and performed without requiring a recipient to download an app. Secure semiconductors may facilitate wireless and non-wireless communications with ATMs and POS machines. QR codes may identify accounts, constitute private/public encryption keys, or other relevant info. A cold storage or hot storage system may be implemented for the digital currency store.
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公开(公告)号：US20220398561A1
公开(公告)日：2022-12-15
申请号：US17345396
申请日：2021-06-11
摘要： A prepaid electronic funds transferring system, components, and method is provided for users that do not have checking or savings accounts. A user has a digital currency store such as, for example, in a non-checking non-savings prepaid account associated with a secure unified prepaid banking card and/or smartphone app. Interest may be provided by an issuer on funds in the digital currency store. Debit and credit transactions may be processed. NFC and UWB geo-locating can be used to find lost cards and/or the mobile device on which the app is loaded. Electronic transactions may be received and performed without requiring a recipient to download an app. Secure semiconductors may facilitate wireless and non-wireless communications with ATMs and POS machines. QR codes may identify accounts, constitute private/public encryption keys, or other relevant info. A cold storage or hot storage system may be implemented for the digital currency store.
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公开(公告)号：US20220027920A1
公开(公告)日：2022-01-27
申请号：US17492855
申请日：2021-10-04
IPC分类号： G06Q20/40 , G06Q10/10 , G06Q40/02 , G06Q30/00 , H03M7/30 , G06Q50/26 , G06F16/21 , G06N3/04 , G06N3/08 , G06Q50/00
摘要： Aspects of the disclosure relate to using machine learning techniques for generating automated suspicious activity reports (SAR). A computing platform may generate a labelled transaction history dataset by combining historical transaction data with historical report information. The computing platform may train a convolutional neural network using the labelled transaction history dataset. The computing platform may receive new transaction data and compress the new transaction data using lossy compression. The computing platform may input the compressed transaction data into the convolutional neural network, which may cause the convolutional neural network to output a suspicious event probability score based on the compressed transaction data. The computing platform may determine whether the suspicious event probability score exceeds a predetermined threshold and, if so, the computing platform may send one or more commands directing a report processing system to generate a SAR, which may cause the report processing system to generate the SAR.
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公开(公告)号：US20210295338A1
公开(公告)日：2021-09-23
申请号：US16890175
申请日：2020-06-02
IPC分类号： G06Q20/40 , G06Q10/10 , G06Q40/02 , G06Q30/00 , G06Q50/00 , G06Q50/26 , G06F16/21 , G06N3/04 , G06N3/08 , H03M7/30
摘要： Aspects of the disclosure relate to using machine learning techniques for generating automated suspicious activity reports (SAR). A computing platform may generate a labelled transaction history dataset by combining historical transaction data with historical report information. The computing platform may train a convolutional neural network using the labelled transaction history dataset. The computing platform may receive new transaction data and compress the new transaction data using lossy compression. The computing platform may input the compressed transaction data into the convolutional neural network, which may cause the convolutional neural network to output a suspicious event probability score based on the compressed transaction data. The computing platform may determine whether the suspicious event probability score exceeds a predetermined threshold and, if so, the computing platform may send one or more commands directing a report processing system to generate a SAR, which may cause the report processing system to generate the SAR.
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8.发明公开公开(公告)号：US20230245090A1
公开(公告)日：2023-08-03
申请号：US18112704
申请日：2023-02-22
CPC分类号： G06Q20/28 , G06Q20/3223 , G06Q20/352 , G06Q20/3278 , G06Q20/20 , H04W4/021 , H04W4/80 , G06Q20/3829 , G06Q2220/00
摘要： A prepaid electronic funds transferring system, components, and method is provided for users that do not have checking or savings accounts. A user has a digital currency store such as, for example, in a non-checking non-savings prepaid account associated with a secure unified prepaid banking card and/or smartphone app. Interest may be provided by an issuer on funds in the digital currency store. Debit and credit transactions may be processed. NFC and UWB geo-locating can be used to find lost cards and/or the mobile device on which the app is loaded. Electronic transactions may be received and performed without requiring a recipient to download an app. Secure semiconductors may facilitate wireless and non-wireless communications with ATMs and POS machines. QR codes may identify accounts, constitute private/public encryption keys, or other relevant info. A cold storage or hot storage system may be implemented for the digital currency store.
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公开(公告)号：US11631072B2
公开(公告)日：2023-04-18
申请号：US17345396
申请日：2021-06-11
摘要： A prepaid electronic funds transferring system, components, and method is provided for users that do not have checking or savings accounts. A user has a digital currency store such as, for example, in a non-checking non-savings prepaid account associated with a secure unified prepaid banking card and/or smartphone app. Interest may be provided by an issuer on funds in the digital currency store. Debit and credit transactions may be processed. NFC and UWB geo-locating can be used to find lost cards and/or the mobile device on which the app is loaded. Electronic transactions may be received and performed without requiring a recipient to download an app. Secure semiconductors may facilitate wireless and non-wireless communications with ATMs and POS machines. QR codes may identify accounts, constitute private/public encryption keys, or other relevant info. A cold storage or hot storage system may be implemented for the digital currency store.
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10.发明授权公开(公告)号：US11176557B2
公开(公告)日：2021-11-16
申请号：US16890175
申请日：2020-06-02
IPC分类号： G06Q20/40 , G06Q10/10 , G06Q40/02 , G06Q30/00 , H03M7/30 , G06Q50/26 , G06F16/21 , G06N3/04 , G06N3/08 , G06Q50/00
摘要： Aspects of the disclosure relate to using machine learning techniques for generating automated suspicious activity reports (SAR). A computing platform may generate a labelled transaction history dataset by combining historical transaction data with historical report information. The computing platform may train a convolutional neural network using the labelled transaction history dataset. The computing platform may receive new transaction data and compress the new transaction data using lossy compression. The computing platform may input the compressed transaction data into the convolutional neural network, which may cause the convolutional neural network to output a suspicious event probability score based on the compressed transaction data. The computing platform may determine whether the suspicious event probability score exceeds a predetermined threshold and, if so, the computing platform may send one or more commands directing a report processing system to generate a SAR, which may cause the report processing system to generate the SAR.
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