SYSTEMS AND METHODS FOR IMPLEMENTING OVERLAPPING DATA CACHING FOR OBJECT APPLICATION PROGRAM INTERFACES
Granted: February 3, 2022
Application Number:
20220035744
Systems and methods that may be used to implement overlapping data caching for object application program interfaces (APIs). A unique identifier may be assigned to each sub-component of an object API request. The unique identifiers may be used to determine if sub-components of one object API request overlaps with a sub-component of a prior different request such that a data response for the prior different request can be retrieved from the cache and used as part of the data response for…
CUSTOMIZED CREDIT CARD DEBT REDUCTION PLANS
Granted: January 27, 2022
Application Number:
20220027983
This disclosure relates to systems and methods for constructing a customized debt reduction plan for a user. In some implementations, a customized debt reduction system obtains a plurality of financial attributes of the user and a plurality of other users, where the plurality of financial attributes are indicative of credit card debt, and identifies users from the plurality of other users who successfully repaid their credit card debt based on their respective financial attributes and…
CAPACITY-CONSTRAINED RECOMMENDATION SYSTEM
Granted: January 27, 2022
Application Number:
20220027975
This disclosure provides systems, methods and apparatuses for recommending items to users of a recommendation system. In some implementations, the recommendation system determines a plurality of contribution values based on interactions between a plurality of users and a plurality of items. Each of the plurality of contribution values represents a confidence level that a respective user prefers a respective item. The recommendation system further determines a capacity of each of the…
VALUE OVER REPLACEMENT FEATURE (VORF) BASED DETERMINATION OF FEATURE IMPORTANCE IN MACHINE LEARNING
Granted: January 27, 2022
Application Number:
20220027779
Systems and models are disclosed for determining a value over replacement feature (VORF) for one or more features of a machine learning model. An example method includes selecting one or more features used in the machine learning model, determining a comparison set of unused features not used in the machine learning model, for each unused feature in the comparison set, determining a difference in a specified metric when the selected one or more features are replaced by a corresponding…
SUPERVISED MACHINE LEARNING ALGORITHM APPLICATION FOR IMAGE CROPPING AND SKEW RECTIFICATION
Granted: January 27, 2022
Application Number:
20220027614
Systems and methods here may be used for pre-processing images, including using a computer for receiving a pixelated image of a paper document of an original size, downscaling the received pixelated image, employing a neural network algorithm to the downscaled image to identify four corners of the paper document in the received pixelated image, re-enlarging the downscaled image to the original size, identifying each of four corners of the paper document in the pixelated image,…
DOCUMENT TEXT EXTRACTION TO FIELD-SPECIFIC COMPUTER EXECUTABLE OPERATIONS
Granted: January 27, 2022
Application Number:
20220027564
This disclosure describes converting computer-executable predicate-argument structures for a specific field to field-specific predicated-argument structures to improve execution. In some implementations, a method can be performed by one or more processors of a computing device, and can include receiving one or more predicate-argument structures (PASs) associated with taxation-specific text and converting the one or more PASs into one or more tax-specific predicate-argument structures…
ENCODER WITH DOUBLE DECODER MACHINE LEARNING MODELS
Granted: January 27, 2022
Application Number:
20220027563
Operating an encoder with double decoder machine learning models include executing, on a transcript, an encoder machine learning model to generate an encoder output, and executing a situation decoder machine learning model on the encoder output to obtain a situation model output having a situation identifier, and executing a trouble decoder machine learning model using the encoder output to obtain a trouble identifier. The method further includes outputting the situation identifier and…
REAL-TIME ANOMALY DETECTION
Granted: January 20, 2022
Application Number:
20220019572
This disclosure provides systems, methods and apparatuses for detecting anomalous activity in an electronic system. In some implementations, a system generates a set of model parameters based on a number (n) of historical datapoints in a dataset, where each datapoint represents activity detected in the electronic system over a respective period of time. The system receives a first new data point for the data set and generates a first test parameter based on a value of the first new…
INFERENCE-BASED INCIDENT DETECTION AND REPORTING
Granted: January 13, 2022
Application Number:
20220012602
Systems and methods that may be used to provide an inference-based incident detection and reporting process. In one or more embodiments, an inference model may be used to track and analyze changes and incident data from various sources of record to quickly predict potential sources of errors and help focus in on the root cause of a software incident.
USE OF AUGMENTED REALITY FOR SERVICE PROJECTS
Granted: January 13, 2022
Application Number:
20220012947
Aspects of using augment reality for service projects are described. In some implementations, an augmented reality (AR) system receives one or more images of a real-world space, detects a physical object in the real-world space from the one or more images, and identifies the physical object for a service project. The AR system also generates a virtual object associated with the identified physical object and outputs the virtual object for display in an AR environment. The AR system…
SYSTEM AND METHOD FOR DETECTING AND MAPPING DATA FIELDS FOR FORMS IN A FINANCIAL MANAGEMENT SYSTEM
Granted: January 6, 2022
Application Number:
20220005127
Systems and methods for generating a custom document template are disclosed. An example method may be performed by one or more processors of a system and include retrieving a user document including a user data entry in a user data field, identifying a set of system data fields within a plurality of system documents potentially relevant to the user document, determining, for each of the set of system data fields, a weighted value indicative of a likelihood that the system data field is…
ENHANCING EXPLAINABILITY OF RISK SCORES BY GENERATING HUMAN-INTERPRETABLE REASON CODES
Granted: January 6, 2022
Application Number:
20220005041
This disclosure relates to systems and methods for identifying risky merchants associated with an electronic payment service. In some implementations, a risk assessment system receives a set of features indicative of one or more risks posed by a merchant enrolled in the electronic payment service, where each feature of the set of features indicative of one or more financial attributes of the merchant. The risk assessment system determines a risk score for the merchant based on the set of…
EMBEDDED REMOTE DESKTOP IN INTEGRATED MODULE
Granted: December 30, 2021
Application Number:
20210409519
A method implements an embedded remote desktop in integrated module. An integrated application is received, by a client device, from an integrated server. The integrated application includes an access link to a remote server and integrated application content that references live information from a live application. The live application is executing concurrently with the integrated application and is configured to produce the live information responsive to the integrated application…
CONTEXTUAL MARKETING SYSTEM BASED ON PREDICTIVE MODELING OF USERS OF A SYSTEM AND/OR SERVICE
Granted: December 30, 2021
Application Number:
20210406931
Predictive modeling within a special purpose hardware platform to determine scenarios that are most likely to increase conversion potential for each trial user and retention potential for each active subscriber of a service, collectively referred to as a propensity score. The predictive models are integrated with a contextual marketing system that uses a loss risk assessment to learn user behavior and optimize content messaging designed to improve actual conversion or retention behavior…
Metric-Driven User Clustering for Online Recommendations
Granted: December 30, 2021
Application Number:
20210406913
A method may include receiving an unstructured question from a user having structured contextual features. The unstructured question may include tokens. The method may further include converting, using a sentence embedding model, the tokens to a question vector, assigning the question vector to a question cluster, assigning, by applying a user clustering model to the question cluster and the structured contextual features, the user to a user cluster, and assigning, using a trained…
TRAINING AN ENSEMBLE OF MACHINE LEARNING MODELS FOR CLASSIFICATION PREDICTION
Granted: December 30, 2021
Application Number:
20210406780
A method including training predictor machine learning models (MLMs) using a first data set. The trained predictor MLMs are trained to predict classifications of data items in the first data set. The method also includes training confidence MLMs using second classifications, output by the trained predictor MLMs. The method also includes generating an aggregated ranked list of classes based on third classifications output by the trained predictor MLMs and second confidences output by the…
PERSONALIZED APPROACH TO MODELING USERS OF A SYSTEM AND/OR SERVICE
Granted: December 30, 2021
Application Number:
20210406743
Dynamic state-space modeling within a special purpose hardware platform to determine non-conversion risks for each trial user and churn risks for each active subscriber having exhibited a sequence of behaviors. The state-space model may be operable to determine a loss risk for each of a provider's active trial users and/or subscribers.
CLASSIFYING ORGANIZATIONS BASED ON TRANSACTIONAL DATA ASSOCIATED WITH THE ORGANIZATIONS
Granted: December 30, 2021
Application Number:
20210406725
A method for classifying organizations involves obtaining, for an unknown organization, transactional data representing a multitude of transactions. The transactional data comprises a descriptive text for each of the multitude of transactions. The method further involves processing the descriptive text for each of the multitude of transactions to obtain one vector representing the unknown organization, categorizing the unknown organization using a classifier applied to the vector, and…
METHODS AND SYSTEMS FOR ACQUIRING AND MANIPULATING RELEVANT INFORMATION USING MACHINE LEARNING
Granted: December 30, 2021
Application Number:
20210406716
Systems and methods may be used to generate and use a structured form representation and structured metadata. The structured form representation and structured metadata may include information relevant to a particular context and may be used to update document templates, import new documents and update document versions into software, automate data entry for document completion, update records to include new and or updated information, and provide other functionality of an information…
SYSTEM AND METHOD FOR PROVIDING BEHAVIORAL-BASED PERSONALIZED NUDGES FOR CREATING SAVINGS GOALS
Granted: December 16, 2021
Application Number:
20210390875
Systems and methods that may be used to provide personalized financial nudges to users of a financial service that may be used to further the users' savings intentions (e.g., a savings goal, an emergency fund, etc.). The disclosed systems and methods may increase user interactivity with the financial service and the services it offers by providing personalized nudges that are based on, among other things, an evaluation of various behavioral economics principles. A machine learning…
