309 patents
Page 13 of 16
Utility
Systems and methods for custom ranking objectives for machine learning models applicable to fraud and credit risk assessments
1 Feb 22
A system for analyzing risk using machine learning models may be trained using a data set to generate a risk assessment model that is optimized for metrics commonly used in for financial risk evaluation.
Vishwa Vinay
Filed: 22 Dec 16
Utility
Presenting a personalized value added offer during an advanced verification process
25 Jan 22
Systems and methods for presenting a personalized value added offer during an advanced verification process are provided.
Thomas L. Bethke, II, Umesh Singh Chauhan, Nageshwara R. Chirravuri, Danielle R. Cloud, Mark R. Reese, James D. Vaughn
Filed: 11 Jan 21
Utility
Contextual identification and information security
25 Jan 22
A system may identify a user based on inputs from multiple devices.
John Bruno, Sibish Neelikattil Basheerahammed
Filed: 31 Oct 16
Utility
Ceramic transaction cards
18 Jan 22
A transaction card that includes a card body that can include a ceramic material.
Troy Patrick Williams, Peter Bates
Filed: 5 Mar 20
Utility
System and method for using flexible circuitry in payment accessories
11 Jan 22
Systems and methods described herein may comprise RFID data acquisition technology which may be embedded in a fob or tag for use in completing financial transactions.
Dilip Lachman Aidasani, Kate T. King, Estelle Karine Rachel Mangeney, Charles Newman, Stuart Rolinson, Richard Grant Waters
Filed: 18 Oct 19
Utility
Decentralized Data Authentication
6 Jan 22
Disclosed are various embodiments for decentralizing the authentication or verification of data.
Andras L. Ferenczi
Filed: 15 Sep 21
Utility
Systems and methods for fraud liability shifting
4 Jan 22
A method comprising creating, by a computer-based system for shifting financial responsibility for a transaction from a merchant to a transaction account issuer, a digital wallet associated with a transaction account holder, wherein the digital wallet comprises one or more attributes associated with the transaction account holder, confirming, by the computer-based system, the attribute in response to a transaction request, and/or determining, by the computer-based system, whether to shift financial responsibility for the transaction from the merchant to the transaction account issuer.
Clinton R. Allen, Dewi J. Apun, Christopher J. Fletcher, Jeffrey Fromm, Ashish Gupta, Alois T. Stock, Angee Stonehouse
Filed: 27 May 14
Utility
Zero-knowledge Proof Payments Using Blockchain
30 Dec 21
A zero-knowledge proof purchase system and process using blockchain is disclosed.
ANDRAS FERENCZI, DALLAS L. GALE, NILESH Y. JADHAV, HARISH R. NAIK
Filed: 13 Sep 21
Utility
Computer-based systems for management of big data development platforms based on machine learning techniques and methods of use thereof
21 Dec 21
At least some embodiments are directed to a system that receives from an online portal loaded in a computing device, a user request to instantiate a server cluster in a hybrid computer network.
Pratap Singh Rathore, Arindam Chatterjee, Nitish Sharma, Brian Rosenfield, Shourya Roy, Rahul Ghosh, Krishnaprasad Narayanan
Filed: 16 Dec 20
Utility
Documentation enforcement during compilation
14 Dec 21
Disclosed are approaches for enforcing requirements that documentation be up to date.
Chetana Kadatoka, Anurag Mandloi, Buddhika Rathnayaka, Sriram Sundararajan, Avishekh Tewari, Anthony Wooten
Filed: 5 Feb 21
Utility
Network effect classification
14 Dec 21
A distributed file system may store a plurality of entity attributes.
Matthew K. Meyer, Rajesh Shah, Yashwanth Tekena
Filed: 7 May 18
Utility
Mail room intent analyzer
14 Dec 21
A system for automated classifying of electronic messages is disclosed.
Chetana Kadatoka, Edward K. Samson, Vivek Tripathi
Filed: 26 Jun 19
Utility
Angled slot in a transaction card
7 Dec 21
The disclosure includes a transaction card comprising a card body having a slot.
James Bruce Coleman
Filed: 15 Jan 21
Utility
Secured account provisioning and payments for NFC-enabled devices
23 Nov 21
Systems, methods, and articles of manufacture for secured account provisioning and payments using near-field communication (NFC) enabled devices are provided.
Manish K. Deliwala, Varaprasad Kotha, Ajay Babu Maddukuri
Filed: 13 Nov 17
Utility
Systems and methods for transaction account tokenization
23 Nov 21
A system may receive a request for a payment payload for a payment transaction with the request including a token and a transaction amount.
Ajay B. Maddukuri, Keshav A. Narsipur
Filed: 2 Mar 16
Utility
Systems and methods for address matching
16 Nov 21
A system and method may allow for improved accuracy for address matching.
Madhu Sudhan Reddy Gudur, Vinod Yadav, Karan Anil Kumar, Sandeep Bose, Anand Bhushan, Sanjay S. Gwalani
Filed: 5 Jan 17
Utility
Lineage data for data records
9 Nov 21
A system may read source data corresponding to a source variable and apply a transformation to the source variable to generate an output variable.
Ambika Aggarwal, Ravi Arasan, Sandeep Bose, Debasish Das, Ravi K. Kaushik, Matthew Kent Meyer, Gurusamy Ramasamy, Jeremy D. Seideman
Filed: 16 Jul 18
Utility
Network node consolidation
9 Nov 21
A distributed file system may store a plurality of entity attributes.
Sandeep Bose, Mario Fragoso, Madhu Sudhan Reddy Gudur, Karan Anil Kumar, Nivedita Singh, Vinod Yadav
Filed: 29 May 18
Utility
Dynamic rewards program
9 Nov 21
The systems are generally configured to provide rewards.
Priyabroto Chatterjee, Jaimie Daniels, Debasish Das, Kathleen King Goulart, Zhenling Huang, Marissa Eddings Lott, Anthony Mavromatis, Cristina Minervini, Olutokunbo Ojo-Ade, Sepehr Sarmadi, Venkat Varadachary
Filed: 6 Dec 19
Utility
Privacy-preserving Decentralized Payment Instrument Network
4 Nov 21
Disclosed are various embodiments for providing a privacy-preserving decentralized payment instrument network that allows merchants and transaction account issuers to record transaction-related information in a distributed ledger.
Andras L. Ferenczi
Filed: 29 Apr 20