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公开(公告)号：US20230316286A1
公开(公告)日：2023-10-05
申请号：US18207081
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 , G06Q20/24 , G06Q20/3224 , G06Q20/409
Abstract: In a method of preventing fraudulent online financial transactions, a request to authorize an online, financial transaction may be received, where the transaction is associated with a debit or credit card account. A computing device at which information associated with the debit or credit card account was entered for the transaction may be identified, and a first geographic location at which the computing device resides may be determined. 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 a time of the transaction. If the second geographic location does not correspond to the first geographic location, the financial transaction may be prevented from being executed.
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公开(公告)号：US20230316285A1
公开(公告)日：2023-10-05
申请号：US18207069
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 , G06Q20/24 , G06N20/00 , G06Q20/3224 , G06Q20/409
Abstract: A method of reducing a future amount of electronic fraud alerts includes receiving data detailing a financial transaction, inputting the data into a rules-based engine that generates an electronic fraud alert, transmitting the alert to a mobile device of a customer, and receiving from the mobile device customer feedback indicating that the alert was a false positive or otherwise erroneous. The method also includes inputting the data detailing the financial transaction into a machine learning program trained to (i) determine a reason why the false positive was generated, and (ii) then modify the rules-based engine to account for the reason why the false positive was generated, and to no longer generate electronic fraud alerts based upon (a) fact patterns similar to fact patterns of the financial transaction, or (b) data similar to the data detailing the financial transaction, to facilitate reducing an amount of future false positive fraud alerts.
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公开(公告)号：US20220138804A1
公开(公告)日：2022-05-05
申请号：US17573940
申请日：2022-01-12
Inventor： Elizabeth A. Flowers , Puneit Dua , Alan Zwilling , Adam Mattingly , Melissa Attig , Reena Batra
Abstract: Techniques are disclosed utilizing cognitive computing to improve commercial communications from vendors to users. A user's financial account(s) and location may be monitored to determine when a user is within a threshold distance of a vendor. If the user is within the threshold distance the methods and systems disclosed may determine which targeted commercial communications to transmit to the user based upon a shopping profile for the user. The shopping profile may include a dataset indicative of the shopping habits of the user.
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公开(公告)号：US11257122B1
公开(公告)日：2022-02-22
申请号：US16911327
申请日：2020-06-24
Inventor： Elizabeth A. Flowers , Puneit Dua , Alan Zwilling , Adam Mattingly , Melissa Attig , Reena Batra
Abstract: Techniques are disclosed utilizing cognitive computing to improve commercial communications from vendors to users. A user's financial account(s) and location may be monitored to determine when a user is within a threshold distance of a vendor. If the user is within the threshold distance the methods and systems disclosed may determine which targeted commercial communications to transmit to the user based upon a shopping profile for the user. The shopping profile may include a dataset indicative of the shopping habits of the user.
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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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Patent Agency Ranking
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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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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10.发明申请公开(公告)号：US20220027951A1
公开(公告)日：2022-01-27
申请号：US16863961
申请日：2020-04-30
Inventor： Elizabeth A. Flowers , Puneit Dua , Alan Zwilling , Adam Mattingly , Melissa Attig , Reena Batra
Abstract: Techniques are disclosed utilizing cognitive computing to improve commercial communications from vendors to users. A user's financial account(s) and location may be monitored to determine when a user is within a threshold distance of a vendor. If the user is within the threshold distance the methods and systems disclosed may determine which targeted commercial communications to transmit to the user based upon a shopping profile for the user. The shopping profile may include a dataset indicative of the shopping habits of the user.
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