METHODS AND SYSTEMS TO CREATE A CONTROLLER IN AN AUGMENTED REALITY (AR) ENVIRONMENT USING ANY PHYSICAL OBJECT
Granted: October 7, 2021
Application Number:
20210312716
A system detects one or more features of a physical object located in a real-world space based on images or video of the physical object captured by an image capture device, designates the physical object as a controller of the VR environment, and determines an orientation of the physical object in the real-world space based on the captured images or video without receiving control signals or communications from the physical object. The system generates, in the VR environment, a virtual…
METHODS AND SYSTEMS USING AND CONSTRUCTING MERCHANT COMMUNITIES BASED ON FINANCIAL TRANSACTION DATA
Granted: October 7, 2021
Application Number:
20210312485
Systems and methods may be used to generate and use a merchant community graph generated based on merchant financial transaction data. Connections between merchants and other data within the merchant community graph can be used to detect fraud, target product offerings and or other advertisements, detect similar communities, generate dynamic attributes that may be used to develop machine learning models, and develop new user interfaces (UIs) and other features of an information service.
VALIDATION AS A SERVICE FOR THIRD PARTIES USING HOMOMORPHIC ENCRYPTION
Granted: September 30, 2021
Application Number:
20210306136
Systems and methods for validating credentials are disclosed. One example method, performed by one or more processors of a computing device associated with a neural network, includes training the neural network to infer validity information for encrypted credentials received from a credential source, wherein the validity information is inferred without decrypting the encrypted credentials, receiving a first encrypted credential from the credential source, generating an encrypted validity…
EXTRACTING CUSTOMER PROBLEM DESCRIPTION FROM CALL TRANSCRIPTS
Granted: September 30, 2021
Application Number:
20210304747
Systems and methods for automatically identifying problem-relevant sentences in a transcript are disclosed. In an example method, a transcript may be received of a first support call. A region of the first support call transcript may be identified, and first customer utterances may be detected in the region using a trained classification model. A trained regression model may estimate a relevancy to the problem statement of each of the first customer utterances, and one or more most…
DETERMINING USER SPENDING PROPENSITIES FOR SMART RECOMMENDATIONS
Granted: September 30, 2021
Application Number:
20210304284
A method may include obtaining, over a network from a financial institution and using login credentials of a user, transactions corresponding to the user, calculating average transaction amounts for merchants based on the transactions, generating a spending propensity score for a category using a harmonic mean of amounts in a subset of the transactions corresponding to the category, generating, for the category, spending match scores between the spending propensity score and the average…
PRIVACY PRESERVING SYNTHETIC STRING GENERATION USING RECURRENT NEURAL NETWORKS
Granted: September 30, 2021
Application Number:
20210303726
A method for privacy preserving synthetic string generation using recurrent neural networks includes receiving input data that includes a plurality of strings with private information. A neural network model is trained using the plurality of strings. The neural network model includes a recurrent neural network (RNN). An anonymous string is generated with the neural network model after training the neural network model with the plurality of strings from the input data. The anonymous…
METHODS, SYSTEMS AND COMPUTER PROGRAM PRODUCTS FOR FACILITATING USER INTERACTION WITH TAX RETURN PREPARATION PROGRAMS
Granted: September 23, 2021
Application Number:
20210295453
A system for facilitating user interaction with a tax return preparation program includes a completion graph parser configured to identify a portion of a tax return completion graph corresponding to a tax topic. The system also includes a query object creator configured to analyze and assign a node in the portion as a query object property. The system further includes a natural language synthesis engine configured to map the property to a first natural language question. Moreover, the…
DETECTING FRAUD BY CALCULATING EMAIL ADDRESS PREFIX MEAN KEYBOARD DISTANCES USING MACHINE LEARNING OPTIMIZATION
Granted: September 23, 2021
Application Number:
20210295179
This disclosure relates to systems and methods for identifying fraudulent email addresses associated with an electronic payment service. In some implementations, a computing device receives an email with a prefix having a number of characters and characterized by a prefix length indicative of the number of characters in the prefix. The computing device identifies each of a number of bigrams is identified within the prefix, and determines a row and column distance for each bigram between…
COMPUTING PERSONALIZED RECOMMENDATIONS BY MODELING INTERACTIONS AS A BIPARTITE GRAPH
Granted: September 16, 2021
Application Number:
20210287273
A method may include obtaining interactions between users and items, and calculating, for each edge in a bipartite graph, an edge weight using an inverse of the degree of a user node connected to the edge and an inverse of the degree of an item node connected to the edge. The bipartite graph includes user nodes corresponding to the users and item nodes corresponding to the items. The method may further include identifying paths each including an edge connecting the target user node and a…
SYSTEM AND METHOD FOR AUTOMATICALLY GENERATING CALCULATIONS FOR FIELDS IN COMPLIANCE FORMS
Granted: September 16, 2021
Application Number:
20210287302
A method and system to learn new forms to be incorporated into an electronic document preparation system, or to learn the behavior of existing systems, receive form data related to a new form having a plurality of data fields that expect data values based on specific functions. The method and system gather training set data including previously filled forms having completed data fields corresponding to the data fields of the new form. The method and system include multiple analysis…
SYSTEM AND METHOD PROVIDING BUSINESS INSIGHTS BASED ON CLUSTER SUCCESS ANALYTICS FOR PRODUCTS BASED BUSINESSES
Granted: September 16, 2021
Application Number:
20210287261
A method may be used to predict a business' category by analyzing the business' vendors. A neural network architecture may be trained via supervised learning to predict categories for businesses based on listed vendors. The neural network may be used to classify uncategorized businesses within an accounting software database. A list of factors associated with a business' success may be generated by analyzing, aggregating and ranking factors determined to be relevant to a business based…
INTEGRATED DEVELOPMENT ENVIRONMENT FOR DEVELOPING AND COMPILING QUERY LANGUAGE SCHEMAS FOR APPLICATION PROGRAM INTERFACES
Granted: September 9, 2021
Application Number:
20210279045
An integrated development environment (IDE) that may provide compile-time validation, and incremental compilation and linking of multiple schema resources for a query language such as e.g., GraphQL.
MACHINE LEARNING TO PROPOSE ACTIONS IN RESPONSE TO NATURAL LANGUAGE QUESTIONS
Granted: September 2, 2021
Application Number:
20210272559
A method of training machine learning models (MLMs). An issue vector is generated using an issue MLM to generate a first output including first embedded natural language issue statements. An action vector is generated using an action MLM to generate a second output including related embedded natural language action statements. The issue and action MLMs are of a same type. An inner product of the first and second output is calculated, forming a third output. The third output is processed…
Instant Lending Decisions
Granted: September 2, 2021
Application Number:
20210272195
A method including training a machine learning algorithm by iteratively adjusting, by a computer processor, adjusted matching parameters to increase a correlation between approval statistics of lending decisions and risk profiles. The risk profiles represent probabilities of businesses defaulting on a loan. The probabilities are derived from usage statistics of a business management application (BMA) used by the businesses. Iteratively adjusting continues until reaching a threshold…
FRAMEWORK FOR PROCESSING MACHINE LEARNING MODEL METRICS
Granted: September 2, 2021
Application Number:
20210271986
A method including extracting, from an input, supported data. The input includes outputs from machine learning models in different formats. The supported data includes a subset of the input after data normalization. The method also includes inferring, from the supported data, data types to be used with respect to generating metrics for the machine learning models. The method also includes generating, from the supported data and using the data types, a relational event including the…
Contact Center Call Volume Prediction
Granted: September 2, 2021
Application Number:
20210271925
A method for using piecewise forecasts involves obtaining, by a model discovery service, a plurality of models and generating, by a demand prediction service, a plurality of values for a time series variable. The plurality of values corresponding to a plurality of days to be predicted. The method further involves inputting the plurality of values for the time series variable as part of a piecewise forecast to a headcount estimation service and generating, by the headcount estimation…
MODIFIED MACHINE LEARNING MODEL AND METHOD FOR COHERENT KEY PHRASE EXTRACTION
Granted: September 2, 2021
Application Number:
20210271818
A method including receiving, in a machine learning model (MLM), a corpus including words. The MLM includes layers configured to extract keywords from the corpus, plus a retrospective layer. A first keyword and a second keyword from the corpus are identified in the layers. The first and second keywords are assigned first and second probabilities. Each probability is a likelihood that a keyword is to be included in a key phrase. A determination is made, in the retrospective layer, of a…
REPLICATING DATA ACROSS DEPLOYMENTS IN A ROUTING CONSTRAINED ENVIRONMENT
Granted: September 2, 2021
Application Number:
20210271692
Disclosed herein are systems and methods for replicating data across deployments in a routing constrained environment. To replicate data, a processor may detect a modification that changes data for a source entity within a source environment hosting a source deployment of an application. The processor may then update a target environment hosting a target deployment of the application to mirror the modification within the source environment. To update the target environment, the processor…
GENERATING STRUCTURED REPRESENTATIONS OF FORMS USING MACHINE LEARNING
Granted: August 26, 2021
Application Number:
20210264146
A method may include acquiring, from an initial document having a document type, initial document elements and initial attributes, deriving initial features for the initial document elements using the initial attributes, detecting initial form components using the initial features, clustering the initial form components into initial line objects of an initial structured representation by applying an unsupervised machine learning model to the geometric attributes of the initial document…
DETECTING FRAUD RINGS IN INFORMATION TECHNOLOGY SYSTEMS
Granted: August 26, 2021
Application Number:
20210266335
A method for detecting fraud rings involves clustering unknown users into unknown user clusters based on a grouping attribute. The method further involves, for each of the unknown user clusters, determining aggregated features including at least one quantification of at least one homogeneity attribute across the unknown users in the unknown user cluster. The method also involves, for each of the unknown user clusters, determining a predictive suspiciousness score based on the aggregated…
