Systems and methods for machine learning based fraud detection in checks for positive pay applications are provided. Various embodiments of the present technology provide systems and methods for overcoming deficiencies in prior systems, particularly the lack of explainability and high false positive rates. Embodiments extract payee information using a trained model and compares it with issued data. This process generates discrete, explainable matching signals for identified mismatches. A decision learning feature stores human review decisions based on key check identifiers, automatically filtering fraud signals for recurring legitimate transactions. Additionally, image feature clustering techniques are employed to curate robust datasets representative of real-world production data for model training.
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
2.
METHOD, MEDIUM, AND SYSTEM FOR SURFACING RECOMMENDATIONS
Embodiments of a system as described herein may receive financial institution product information from a plurality of financial institutions distributed across a computing network. The system may also receive data from the plurality of financial institutions distributed across the computer network and create or update an ontology. A relevance score may be generated for a set of financial institution products which may, in conjunction with a campaign definition provided by a financial institution administrator, be used to associate users with a list of campaigns which may be stored as campaign data. An online banking application at a user device may request campaign data for a user. In response, the system may return campaign data for the user to the online banking application. Using the campaign data, the online banking application may select one or more products to recommend to the user and display content for the selected products on the user device.
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Providing temporary use of on-line non-downloadable software for loan management for lenders; Providing temporary use of on-line non-downloadable software for lease management for lessors; Software as a service (SAAS) services featuring software for storing, managing, tracking, analyzing, and reporting data in the field of lending, leasing, borrower management and investor management; Software as a service (SAAS) services featuring software for borrower and lessee credit assessments and background checks; Software as a service (SAAS) services featuring software for lender-borrower and lessor-lessee customer relationship management and accessing customer information; Software as a service (SAAS) services featuring software for linking borrowers and lenders and lessors and lessees on an online platform; Software as a service (SAAS) services featuring software for investment management, namely, creating investor profiles and managing investor portfolios; Software as a service (SAAS) services featuring software for facilitating communication among lending and leasing peer professionals; Software as a service (SAAS) services featuring software for computer application customization for lending and leasing services; Design, development, and implementation of software for loan management; Design, development, and implementation of software for lease management; Software as a service (SAAS) services featuring software for lease management services, namely, lease applications and origination, underwriting, funding, servicing, restructuring, diagnostics, payment collection and automation of decision-making processes; Software as a service (SAAS) services featuring software for lenders to manage loans, namely, software for loan origination, underwriting, funding, servicing, restructuring, diagnostics, payment collection and automation of decision-making processes.
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Providing temporary use of on-line non-downloadable software for loan management for lenders; Providing temporary use of on-line non-downloadable software for lease management for lessors; Software as a service (SAAS) services featuring software for storing, managing, tracking, analyzing, and reporting data in the field of lending, leasing, borrower management and investor management; Software as a service (SAAS) services featuring software for borrower and lessee credit assessments and background checks; Software as a service (SAAS) services featuring software for lender-borrower and lessor-lessee customer relationship management and accessing customer information; Software as a service (SAAS) services featuring software for linking borrowers and lenders and lessors and lessees on an online platform; Software as a service (SAAS) services featuring software for investment management, namely, creating investor profiles and managing investor portfolios; Software as a service (SAAS) services featuring software for facilitating communication among lending and leasing peer professionals; Software as a service (SAAS) services featuring software for computer application customization for lending and leasing services; Design, development, and implementation of software for loan management; Design, development, and implementation of software for lease management; Software as a service (SAAS) services featuring software for lease management services, namely, lease applications and origination, underwriting, funding, servicing, restructuring, diagnostics, payment collection and automation of decision-making processes; Software as a service (SAAS) services featuring software for lenders to manage loans, namely, software for loan origination, underwriting, funding, servicing, restructuring, diagnostics, payment collection and automation of decision-making processes.
5.
SYSTEMS AND METHODS FOR QUALITY ASSESSMENT FOR LARGE LANGUAGE MODELS (LLMs) BASED ON CONSISTENCY QUANTIFICATION
Systems and methods for LLM assessment are disclosed herein. Embodiments may provide a quality assessment of an LLM that is based on the consistency of that LLM. Utilizing response sampling, pairwise similarity, and an uncertainty score, embodiments may measure response consistency, which can be correlated with output quality for an LLM.
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Providing temporary use of on-line non-downloadable software for loan management for lenders; Providing temporary use of on-line non-downloadable software for lease management for lessors; Software as a service (SAAS) services featuring software for storing, managing, tracking, analyzing, and reporting data in the field of lending, leasing, borrower management and investor management; Software as a service (SAAS) services featuring software for borrower and lessee credit assessments and background checks; Software as a service (SAAS) services featuring software for lender-borrower and lessor-lessee customer relationship management and accessing customer information; Software as a service (SAAS) services featuring software for linking borrowers and lenders and lessors and lessees on an online platform; Software as a service (SAAS) services featuring software for investment management, namely, creating investor profiles and managing investor portfolios; Software as a service (SAAS) services featuring software for facilitating communication among lending and leasing peer professionals; Software as a service (SAAS) services featuring software for computer application customization for lending and leasing services; Design, development, and implementation of software for loan management; Design, development, and implementation of software for lease management; Software as a service (SAAS) services featuring software for lease management services, namely, lease applications and origination, underwriting, funding, servicing, restructuring, diagnostics, payment collection and automation of decision-making processes; Software as a service (SAAS) services featuring software for lenders to manage loans, namely, software for loan origination, underwriting, funding, servicing, restructuring, diagnostics, payment collection and automation of decision-making processes
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Providing temporary use of on-line non-downloadable software for loan management for lenders; Providing temporary use of on-line non-downloadable software for lease management for lessors; Software as a service (SAAS) services featuring software for storing, managing, tracking, analyzing, and reporting data in the field of lending, leasing, borrower management and investor management; Software as a service (SAAS) services featuring software for borrower and lessee credit assessments and background checks; Software as a service (SAAS) services featuring software for lender-borrower and lessor-lessee customer relationship management and accessing customer information; Software as a service (SAAS) services featuring software for linking borrowers and lenders and lessors and lessees on an online platform; Software as a service (SAAS) services featuring software for investment management, namely, creating investor profiles and managing investor portfolios; Software as a service (SAAS) services featuring software for facilitating communication among lending and leasing peer professionals; Software as a service (SAAS) services featuring software for computer application customization for lending and leasing services; Design, development, and implementation of software for loan management; Design, development, and implementation of software for lease management; Software as a service (SAAS) services featuring software for lease management services, namely, lease applications and origination, underwriting, funding, servicing, restructuring, diagnostics, payment collection and automation of decision-making processes; Software as a service (SAAS) services featuring software for lenders to manage loans, namely, software for loan origination, underwriting, funding, servicing, restructuring, diagnostics, payment collection and automation of decision-making processes
8.
SYSTEMS AND METHODS FOR COMPUTER VISION BASED SECURITY USING KNOWLEDGE NETWORKS
Systems and methods for computer vision based security using knowledge networks are disclosed. In particular, embodiments as disclosed herein provide computer vision based image anomaly detection using a distributed knowledge network allowing users to submit knowledge data regarding image anomalies to the computer vision based security system. This knowledge data may be utilized to generate classification pipelines utilizing computer vision based machine learning models that can be utilized to make security determinations.
G06V 10/778 - Apprentissage de profils actif, p. ex. apprentissage en ligne des caractéristiques d’images ou de vidéos
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
G06V 10/764 - Dispositions pour la reconnaissance ou la compréhension d’images ou de vidéos utilisant la reconnaissance de formes ou l’apprentissage automatique utilisant la classification, p. ex. des objets vidéo
9.
Method, medium, and system for surfacing recommendations
Embodiments of a system as described herein may receive financial institution product information from a plurality of financial institutions distributed across a computing network. The system may also receive data from the plurality of financial institutions distributed across the computer network and create or update an ontology. A relevance score may be generated for a set of financial institution products which may, in conjunction with a campaign definition provided by a financial institution administrator, be used to associate users with a list of campaigns which may be stored as campaign data. An online banking application at a user device may request campaign data for a user. In response, the system may return campaign data for the user to the online banking application. Using the campaign data, the online banking application may select one or more products to recommend to the user and display content for the selected products on the user device.
Systems and methods for implementing network security are disclosed. These systems and methods may identify anomalous computer network activity in an online networked environment based on computer network data associated with a user's activity.
G06Q 40/02 - Opérations bancaires, p. ex. calcul d'intérêts ou tenue de compte
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
11.
System and method for information retrieval for noisy data
Embodiments of systems and methods for information retrieval are disclosed. Embodiments of such systems and methods may perform information retrieval based on a language model that is used to generate a single vector for the search terms of a query. Similarly, a single vector representation of each of the data records to be searched is obtained and the single vector representing the search terms of the query compared to the single vector of each data record to determine a similarity metric. The resulting similarity metrics associated with each of the data records can be used to rank, present or return one or more data records.
G06N 3/04 - Architecture, p. ex. topologie d'interconnexion
G06F 16/31 - IndexationStructures de données à cet effetStructures de stockage
G06F 16/16 - Opérations sur les fichiers ou les dossiers, p. ex. détails des interfaces utilisateur spécialement adaptées aux systèmes de fichiers
G06F 16/387 - Recherche caractérisée par l’utilisation de métadonnées, p. ex. de métadonnées ne provenant pas du contenu ou de métadonnées générées manuellement utilisant des informations géographiques ou spatiales, p. ex. la localisation
12.
System and method for process and data observation in a networked service environment
Embodiments as disclosed herein provide computing systems and methods that effectively serve to isolate processes in a computing environment. The isolation of such processes may serve additionally to substantially increase the observability of such processes, allowing a granular insight into data associated with those processes and the performing of individual tasks.
Embodiments as disclosed herein provide computing systems and methods that effectively serve to isolate processes in a computing environment. The isolation of such processes may serve additionally to substantially increase the observability of such processes, allowing a granular insight into data associated with those processes and the performing of individual tasks.
Embodiments as disclosed herein provide computing systems and methods that effectively serve to isolate processes in a computing environment. The isolation of such processes may serve additionally to substantially increase the observability of such processes, allowing a granular insight into data associated with those processes and the performing of individual tasks.
G06F 9/44 - Dispositions pour exécuter des programmes spécifiques
G06F 15/16 - Associations de plusieurs calculateurs numériques comportant chacun au moins une unité arithmétique, une unité programme et un registre, p. ex. pour le traitement simultané de plusieurs programmes
G06F 15/173 - Communication entre processeurs utilisant un réseau d'interconnexion, p. ex. matriciel, de réarrangement, pyramidal, en étoile ou ramifié
G06F 21/00 - Dispositions de sécurité pour protéger les calculateurs, leurs composants, les programmes ou les données contre une activité non autorisée
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Platform as a service (PaaS) featuring software platforms provided to others for providing backend computer services and application programming interfaces (APIs) for the banking industry; providing temporary use of on-line non-downloadable software for banking as a service; application service provider featuring software provided to others for enabling banking applications; application service provider featuring application programming interface (API) software for banking applications, namely, API software for providing backend banking functionality; platform as a service (PaaS) featuring software that provides development tools for the banking industry for enabling software applications to access and utilize backend services, namely, data storage, data management, payment services, and user management; Software as a service (SaaS) services featuring software for the banking industry, namely, software for user onboarding, financial account setup and management, payment processing, credit card issuance, and system management
16.
Single-page web application builder system and method based on a finite-state machine
Declarative Single Page Web Application (SPA) builder system and method are used to build complex, fully functional SPA without undue coding. A SPA builder contains a set of rules that facilitate the building of a SPA. The set of rules in the SPA builder includes a set of user interface elements and a finite state machine model with a set of data dependency rules, a set of user interface rendering rules, and a set of action execution data flow rules. The SPA builder also utilizes mock data that allows user to build and verify user interaction flows of the SPA at design time.
Embodiments of systems and methods for information retrieval are disclosed. Embodiments of such systems and methods may perform information retrieval based on a language model that is used to generate a single vector for the search terms of a query. Similarly, a single vector representation of each of the data records to be searched is obtained and the single vector representing the search terms of the query compared to the single vector of each data record to determine a similarity metric. The resulting similarity metrics associated with each of the data records can be used to rank, present or return one or more data records.
Embodiments of systems and methods for information retrieval are disclosed. Embodiments of such systems and methods may perform information retrieval based on a language model that is used to generate a single vector for the search terms of a query. Similarly, a single vector representation of each of the data records to be searched is obtained and the single vector representing the search terms of the query compared to the single vector of each data record to determine a similarity metric. The resulting similarity metrics associated with each of the data records can be used to rank, present or return one or more data records.
G06N 3/04 - Architecture, p. ex. topologie d'interconnexion
G06F 16/31 - IndexationStructures de données à cet effetStructures de stockage
G06F 16/16 - Opérations sur les fichiers ou les dossiers, p. ex. détails des interfaces utilisateur spécialement adaptées aux systèmes de fichiers
G06F 16/387 - Recherche caractérisée par l’utilisation de métadonnées, p. ex. de métadonnées ne provenant pas du contenu ou de métadonnées générées manuellement utilisant des informations géographiques ou spatiales, p. ex. la localisation
19.
SYSTEM AND METHOD FOR INFORMATION RETRIEVAL FOR NOISY DATA
Embodiments of systems and methods for information retrieval are disclosed. Embodiments of such systems and methods may perform information retrieval based on a language model that is used to generate a single vector for the search terms of a query. Similarly, a single vector representation of each of the data records to be searched is obtained and the single vector representing the search terms of the query compared to the single vector of each data record to determine a similarity metric. The resulting similarity metrics associated with each of the data records can be used to rank, present or return one or more data records.
Embodiments as disclosed provide improved RPA systems and methods that utilize a set of reusable modules. These modules may include an associated set of configurable parameters and be associated with instructions for a browser automation platform. An RPA application to accomplish a task at a target website is built using these modules. The RPA application may be executed at the RPA system using an instance of a browser. The RPA application can be executed by evaluating an identified module of the RPA application based on the configuration parameters to determine instructions for a browser automation platform for the identified module. These browser automation platform instructions can then be provided to the browser automation platform to execute against the browser instance.
Embodiments of a system as described herein may receive financial institution product information from a plurality of financial institutions distributed across a computing network. The system may also receive data from the plurality of financial institutions distributed across the computer network and create or update an ontology. A relevance score may be generated for a set of financial institution products which may, in conjunction with a campaign definition provided by a financial institution administrator, be used to associate users with a list of campaigns which may be stored as campaign data. An online banking application at a user device may request campaign data for a user. In response, the system may return campaign data for the user to the online banking application. Using the campaign data, the online banking application may select one or more products to recommend to the user and display content for the selected products on the user device.
The declarative Single Page Web Application (SPA) builder system and method can be used to build complex, fully functional SPA without undue coding. The SPA builder contains a set of rules that facilitate the building of a SPA. The set of rules in the SPA builder may include a set of user interface elements and a finite state machine model with a set of data dependency rules, a set of user interface rendering rules, and a set of action execution data flow rules. The SPA builder may also utilize mock data that allows the user to build and verify the user interaction flows of the SPA at design time.
G06F 9/44 - Dispositions pour exécuter des programmes spécifiques
G06F 3/048 - Techniques d’interaction fondées sur les interfaces utilisateur graphiques [GUI]
G06F 9/46 - Dispositions pour la multiprogrammation
G06F 11/14 - Détection ou correction d'erreur dans les données par redondance dans les opérations, p. ex. en utilisant différentes séquences d'opérations aboutissant au même résultat
G06F 17/30 - Recherche documentaire; Structures de bases de données à cet effet
23.
Single-page web application builder system and method based on a finite-state machine
The declarative Single Page Web Application (SPA) builder system and method can be used to build complex, fully functional SPA without undue coding. The SPA builder contains a set of rules that facilitate the building of a SPA. The set of rules in the SPA builder may include a set of user interface elements and a finite state machine model with a set of data dependency rules, a set of user interface rendering rules, and a set of action execution data flow rules. The SPA builder may also utilize mock data that allows the user to build and verify the user interaction flows of the SPA at design time.
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Providing on-line non-downloadable computer software for entering debit and credit card information for a consumer's subscriptions and at digital points of sale
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Software as a service (SAAS) services featuring software for opening multiple financial and banking application accounts based on a single application; Software as a service (SAAS) services featuring software for opening financial and banking application accounts; Software as a service (SAAS) services featuring software for integration of wireless carrier data into the financial account opening process; Software as a service (SAAS) services featuring software for use in opening new financial and banking application accounts by using layered data collection to auto-populate fields
26.
Method, medium, and system for surfacing recommendations
Embodiments of a system as described herein may receive financial institution product information from a plurality of financial institutions distributed across a computing network. The system may also receive data from the plurality of financial institutions distributed across the computer network and create or update an ontology. A relevance score may be generated for a set of financial institution products which may, in conjunction with a campaign definition provided by a financial institution administrator, be used to associate users with a list of campaigns which may be stored as campaign data. An online banking application at a user device may request campaign data for a user. In response, the system may return campaign data for the user to the online banking application. Using the campaign data, the online banking application may select one or more products to recommend to the user and display content for the selected products on the user device.
Embodiments disclosed herein provide a behavioral based solution to user identity validation, useful in real-time detection of abnormal activity while a user is engaged in an online transaction with a financial institution. A risk modeling system may run two distinct environments: one to train machine learning algorithms to produce classification objects and another to score user activities in real-time using these classification objects. In both environments, activity data collected on a particular user is mapped to various behavioral models to produce atomic elements that can be scored. Classifiers may be dynamically updated in response to new behavioral activities. Example user activities may include login, transactional, and traverse. In some embodiments, depending upon configurable settings with respect to sensitivity and/or specificity, detection of an abnormal activity or activities may not trigger a flag- and-notify unless an attempt is made to move or transfer money.
Systems and methods for conducting transactions across financial institutions are presented. More specifically, in one embodiment a financial transaction center may be provided such that transactions may be coordinated and controlled utilizing the financial transaction center. The financial transaction center may determine a financial institution associated received requests and issue requests to financial institutions. By coordinating the fulfillment of transactions between financial institutions through the financial transaction center a level of abstraction may be introduced whereby transactions may be conducted across financial intuitions without knowledge of host systems at the financial institutions or overly compromising the privacy or security of these host systems.
Systems and methods for conducting transactions across financial institutions are presented. More specifically, in one embodiment a financial transaction center may be provided such that transactions may be coordinated and controlled utilizing the financial transaction center. The financial transaction center may determine a financial institution associated received requests and issue requests to financial institutions. By coordinating the fulfillment of transactions between financial institutions through the financial transaction center a level of abstraction may be introduced whereby transactions may be conducted across financial intuitions without knowledge of host systems at the financial institutions or overly compromising the privacy or security of these host systems.
