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    HEURISTIC CREDIT RISK ASSESSMENT ENGINE
    6.
    发明申请
    HEURISTIC CREDIT RISK ASSESSMENT ENGINE 有权

    公开(公告)号：US20230072086A1

    公开(公告)日：2023-03-09

    申请号：US17984095

    申请日：2022-11-09

    Applicant: State Farm Mutual Automobile Insurance Company

    Inventor： Elizabeth A. Flowers ,  Puneit Dua ,  Eric Balota ,  Shanna L. Phillips

    IPC: G06Q40/02 ,  G06N5/00

    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.

    Identifying false positive geolocation-based fraud alerts
    8.
    发明授权
    Identifying false positive geolocation-based fraud alerts 有权

    公开(公告)号：US11334894B1

    公开(公告)日：2022-05-17

    申请号：US15466014

    申请日：2017-03-22

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Timothy Kramme ,  Elizabeth Flowers ,  Reena Batra ,  Miriam Valero ,  Puneit Dua ,  Shanna L. Phillips ,  Russell Ruestman ,  Bradley A. Craig

    IPC: G06Q20/40 ,  G06Q20/32

    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.

    REDUCING FALSE POSITIVE FRAUD ALERTS FOR CARD-PRESENT FINANCIAL TRANSACTIONS
    10.
    发明申请
    REDUCING FALSE POSITIVE FRAUD ALERTS FOR CARD-PRESENT FINANCIAL TRANSACTIONS 有权

    公开(公告)号：US20210264429A1

    公开(公告)日：2021-08-26

    申请号：US15466002

    申请日：2017-03-22

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Timothy Kramme ,  Elizabeth Flowers ,  Reena Batra ,  Miriam Valero ,  Puneit Dua ,  Shanna L. Phillips ,  Russell Ruestman ,  Bradley A. Craig

    IPC: G06Q20/40 ,  G06Q20/34

    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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