Patents by Inventor Akli Adjaoute

Akli Adjaoute has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • Patent number: 11900473
    Abstract: A method of preventing healthcare fraud-waste-abuse uses artificial intelligence machines to limit financial losses. Healthcare payment request claims are analyzed by predictive models and their behavioral details are compared to running profiles unique to each healthcare provider submitting the claims. A decision results that the instant healthcare payment request claim is or is not fraudulent-wasteful-abusive. If it is, a second analysis of a group behavioral in which the healthcare provider is clustered using unsupervised learning algorithms and compared to a running profile unique to each group of healthcare providers submitting the claims. An overriding decision results if the instant healthcare payment request claim is or is not fraudulent-wasteful-abusive according to group behavior.
    Type: Grant
    Filed: June 30, 2021
    Date of Patent: February 13, 2024
    Assignee: Brighterion, Inc.
    Inventor: Akli Adjaoute
  • Patent number: 11899784
    Abstract: A computer implemented and electronic process is provided that uses artificial intelligence to detect unauthorized activity by an insider or hacker. Electronic systems that employ artificial intelligence and machine learning to detect unauthorized transaction activity by insiders or hackers for a computer network system are also provided. Hardware required for carrying out the invention typically include a plurality of networked computers. Specialized software and/or firmware is typically needed in connection with the hardware for carrying out the invention.
    Type: Grant
    Filed: February 25, 2021
    Date of Patent: February 13, 2024
    Assignee: Brighterion, Inc.
    Inventor: Akli Adjaoute
  • Publication number: 20240046156
    Abstract: A method that improves the training of predictive models. Better trained predictive models make better predictions, and can classify transactions with reduced levels of false positives and false negative. Included is an apparatus for executing a data clean-up algorithm that harmonizes a wide range of real world supervised and unsupervised training data into a single, error-free, uniformly formatted record file that has every field coherent and well populated with information.
    Type: Application
    Filed: August 22, 2023
    Publication date: February 8, 2024
    Applicant: Brighterion, Inc.
    Inventor: Akli Adjaoute
  • Patent number: 11875355
    Abstract: A computer-implemented method for real-time transaction fraud vetting, including: receiving a transaction record including real-time transaction data and a key identifying a transacting entity; matching the key to a plurality of profiles of the transacting entity, each of the plurality of profiles including a data attribute; accessing a datapoint for each of the plurality of profiles, each datapoint representing a standard for the corresponding data attribute computed from historical transaction records of the transacting entity; assessing whether deviation of the real-time transaction data from each datapoint exceeds a corresponding threshold; incrementing a transaction risk corresponding to the transaction record for each deviation from one of the datapoints that exceeds the corresponding threshold; outputting a fraud score based at least in part on the transaction risk; and updating at least one datapoint based on the corresponding real-time transaction data to generate an updated datapoint set for the plu
    Type: Grant
    Filed: August 19, 2022
    Date of Patent: January 16, 2024
    Assignee: Brighterion, Inc.
    Inventor: Akli Adjaoute
  • Patent number: 11853854
    Abstract: An automated method of predictive model development first cleans up raw supervised and unsupervised training data with a step that uses an algorithm to make every field of every record consistent, cohesive, and productive. Then the resulting flat data is given texture in a next step by a data enrichment algorithm that culls fields that do not contribute to predictive model building and that adds new fields computed from data combinations that are tested to add value to later steps that build different types of predictive models. Another late step for building smart-agents and their entity profiles uses another algorithm that benefits greatly from the cleaned and highly enriched training data. The predictive models and smart-agents and their entity profiles are then rendered as deliverable predictive model markup language documents in a final step executed by a specialized algorithm.
    Type: Grant
    Filed: January 20, 2021
    Date of Patent: December 26, 2023
    Assignee: Brighterion, Inc.
    Inventor: Akli Adjaoute
  • Publication number: 20230394487
    Abstract: A real-time fraud prevention system enables merchants and commercial organizations on-line to assess and protect themselves from high-risk users. A centralized database is configured to build and store dossiers of user devices and behaviors collected from subscriber websites in real-time. Real, low-risk users have webpage click navigation behaviors that are assumed to be very different than those of fraudsters. Individual user devices are distinguished from others by hundreds of points of user-device configuration data each independently maintains. A client agent provokes user devices to volunteer configuration data when a user visits respective webpages at independent websites. A collection of comprehensive dossiers of user devices is organized by their identifying information, and used calculating a fraud score in real-time. Each corresponding website is thereby assisted in deciding whether to allow a proposed transaction to be concluded with the particular user and their device.
    Type: Application
    Filed: August 10, 2023
    Publication date: December 7, 2023
    Applicant: Brighterion, Inc.
    Inventor: Akli Adjaoute
  • Patent number: 11763310
    Abstract: A method of reducing financial fraud by operating artificial intelligence machines organized into parallel sets of predictive models with each set specially trained with supervised and unsupervised training data filtered for a particular financial channel. Each set integrates several artificial intelligence classifiers like neural networks, case based reasoning, decision trees, genetic algorithms, fuzzy logic, business rules and constraints, smart agents and associated real-time profiling, recursive profiles, and long-term profiles. Suspicious and abnormal activities in any channel communicate across predictive models for all the financial channels through real-time memory storage updates to the smart agent profiles they all share.
    Type: Grant
    Filed: June 30, 2021
    Date of Patent: September 19, 2023
    Assignee: Brighterion, Inc.
    Inventor: Akli Adjaoute
  • Patent number: 11748758
    Abstract: A business method to reverse an authorization request denial made according to general guidelines if the particular customer and the particular transaction pass various threshold tests. Alternatively, each customer is assigned different and independent personal thresholds for transaction types, amounts, times, locations, and context. These thresholds are then applied if an instant payment transaction request is about to be declined.
    Type: Grant
    Filed: March 11, 2021
    Date of Patent: September 5, 2023
    Assignee: Brighterion, Inc.
    Inventor: Akli Adjaoute
  • Patent number: 11734607
    Abstract: A method that improves the training of predictive models. Better trained predictive models make better predictions, and can classify transactions with reduced levels of false positives and false negative. Included is an apparatus for executing a data clean-up algorithm that harmonizes a wide range of real world supervised and unsupervised training data into a single, error-free, uniformly formatted record file that has every field coherent and well populated with information.
    Type: Grant
    Filed: October 30, 2020
    Date of Patent: August 22, 2023
    Assignee: Brighterion, Inc.
    Inventor: Akli Adjaoute
  • Patent number: 11734692
    Abstract: A merchant data breach process comprises processing daily payment transaction data with a risk and compliance platform to obtain a fraud score for each constituent transaction. Constituent transactions with high risk fraud scores are sorted into a table according to the transaction date, cardholder, and merchant. The table data is scored according to suspected card visits, highly probable visits, and all card visits. The scores are normalized according to merchant size grouping through the use of multipliers. The normalized scores are summed together day-by-day into a final score. A timely warning of an underlying and expanding security rupture caused by a merchant data breach is issued for damage control and law enforcement.
    Type: Grant
    Filed: June 8, 2021
    Date of Patent: August 22, 2023
    Assignee: Brighterion, Inc.
    Inventor: Akli Adjaoute
  • Publication number: 20230091453
    Abstract: A real-time fraud prevention system enables merchants and commercial organizations on-line to assess and protect themselves from high-risk users. A centralized database is configured to build and store dossiers of user devices and behaviors collected from subscriber websites in real-time. Real, low-risk users have webpage click navigation behaviors that are assumed to be very different than those of fraudsters. Individual user devices are distinguished from others by hundreds of points of user-device configuration data each independently maintains. A client agent provokes user devices to volunteer configuration data when a user visits respective webpages at independent websites. A collection of comprehensive dossiers of user devices is organized by their identifying information, and used calculating a fraud score in real-time. Each corresponding website is thereby assisted in deciding whether to allow a proposed transaction to be concluded with the particular user and their device.
    Type: Application
    Filed: November 22, 2022
    Publication date: March 23, 2023
    Applicant: Brighterion, Inc.
    Inventor: Akli Adjaoute
  • Publication number: 20220398589
    Abstract: A computer-implemented method for real-time transaction fraud vetting, including: receiving a transaction record including real-time transaction data and a key identifying a transacting entity; matching the key to a plurality of profiles of the transacting entity, each of the plurality of profiles including a data attribute; accessing a datapoint for each of the plurality of profiles, each datapoint representing a standard for the corresponding data attribute computed from historical transaction records of the transacting entity; assessing whether deviation of the real-time transaction data from each datapoint exceeds a corresponding threshold; incrementing a transaction risk corresponding to the transaction record for each deviation from one of the datapoints that exceeds the corresponding threshold; outputting a fraud score based at least in part on the transaction risk; and updating at least one datapoint based on the corresponding real-time transaction data to generate an updated datapoint set for the plu
    Type: Application
    Filed: August 19, 2022
    Publication date: December 15, 2022
    Applicant: Brighterion, Inc.
    Inventor: Akli Adjaoute
  • Patent number: 11507957
    Abstract: A real-time fraud prevention system enables merchants and commercial organizations on-line to assess and protect themselves from high-risk users. A centralized database is configured to build and store dossiers of user devices and behaviors collected from subscriber websites in real-time. Real, low-risk users have webpage click navigation behaviors that are assumed to be very different than those of fraudsters. Individual user devices are distinguished from others by hundreds of points of user-device configuration data each independently maintains. A client agent provokes user devices to volunteer configuration data when a user visits respective webpages at independent websites. A collection of comprehensive dossiers of user devices is organized by their identifying information, and used calculating a fraud score in real-time. Each corresponding website is thereby assisted in deciding whether to allow a proposed transaction to be concluded with the particular user and their device.
    Type: Grant
    Filed: December 10, 2020
    Date of Patent: November 22, 2022
    Assignee: Brighterion, Inc.
    Inventor: Akli Adjaoute
  • Patent number: 11496480
    Abstract: An Internet-of-things (IoT) mechanizes, computerizes, automates, instruments, includes, and connects a broadly dispersed and extensively diverse universe of unrelated “things” to the Internet, e.g., credit cards, home appliances, industrial machinery, airplanes, cars, municipal water pumps, mobile devices, rain gauges, etc. Each thing is assigned a resident local “smart agent”. Or an entity, manifesting remotely only as transaction records and reports, is assigned a virtual smart agent in a network server. These data structures follow, track, record, chart, monitor, characterize, describe, render, and otherwise provide a label and handle on independent things and entities.
    Type: Grant
    Filed: January 15, 2020
    Date of Patent: November 8, 2022
    Assignee: Brighterion, Inc.
    Inventor: Akli Adjaoute
  • Patent number: 11481777
    Abstract: A computer-implemented method for real-time transaction fraud vetting, including: receiving a transaction record including real-time transaction data and a key identifying a transacting entity; matching the key to a plurality of profiles of the transacting entity, each of the plurality of profiles including a data attribute; accessing a datapoint for each of the plurality of profiles, each datapoint representing a standard for the corresponding data attribute computed from historical transaction records of the transacting entity; assessing whether deviation of the real-time transaction data from each datapoint exceeds a corresponding threshold; incrementing a transaction risk corresponding to the transaction record for each deviation from one of the datapoints that exceeds the corresponding threshold; outputting a fraud score based at least in part on the transaction risk; and updating at least one datapoint based on the corresponding real-time transaction data to generate an updated datapoint set for the plu
    Type: Grant
    Filed: April 30, 2021
    Date of Patent: October 25, 2022
    Assignee: Brighterion, Inc.
    Inventor: Akli Adjaoute
  • Publication number: 20220277310
    Abstract: An artificial intelligence fraud management solution comprises an expert programmer development system to build trainable general payment fraud models that integrate several artificial intelligence classifiers like neural networks, case based reasoning, decision trees, genetic algorithms, fuzzy logic, and rules and constraints. These are further integrated by the expert programmers and development system with smart agents and associated real-time profiling, recursive profiles, and long-term profiles. The trainable general payment fraud models are trained with supervised and unsupervised data to produce an applied payment fraud model. This then is applied by a commercial client to process real-time transactions and authorization requests for fraud scores.
    Type: Application
    Filed: May 17, 2022
    Publication date: September 1, 2022
    Applicant: Brighterion, Inc.
    Inventor: Akli Adjaoute
  • Patent number: 11348110
    Abstract: An artificial intelligence fraud management solution comprises an expert programmer development system to build trainable general payment fraud models that integrate several artificial intelligence classifiers like neural networks, case based reasoning, decision trees, genetic algorithms, fuzzy logic, and rules and constraints. These are further integrated by the expert programmers and development system with smart agents and associated real-time profiling, recursive profiles, and long-term profiles. The trainable general payment fraud models are trained with supervised and unsupervised data to produce an applied payment fraud model. This then is applied by a commercial client to process real-time transactions and authorization requests for fraud scores.
    Type: Grant
    Filed: October 23, 2018
    Date of Patent: May 31, 2022
    Assignee: Brighterion, Inc.
    Inventor: Akli Adjaoute
  • Publication number: 20210326888
    Abstract: A method of reducing financial fraud by operating artificial intelligence machines organized into parallel sets of predictive models with each set specially trained with supervised and unsupervised training data filtered for a particular financial channel. Each set integrates several artificial intelligence classifiers like neural networks, case based reasoning, decision trees, genetic algorithms, fuzzy logic, business rules and constraints, smart agents and associated real-time profiling, recursive profiles, and long-term profiles. Suspicious and abnormal activities in any channel communicate across predictive models for all the financial channels through real-time memory storage updates to the smart agent profiles they all share.
    Type: Application
    Filed: June 30, 2021
    Publication date: October 21, 2021
    Applicant: Brighterion, Inc.
    Inventor: Akli Adjaoute
  • Publication number: 20210326999
    Abstract: A method of preventing healthcare fraud-waste-abuse uses artificial intelligence machines to limit financial losses. Healthcare payment request claims are analyzed by predictive models and their behavioral details are compared to running profiles unique to each healthcare provider submitting the claims. A decision results that the instant healthcare payment request claim is or is not fraudulent-wasteful-abusive. If it is, a second analysis of a group behavioral in which the healthcare provider is clustered using unsupervised learning algorithms and compared to a running profile unique to each group of healthcare providers submitting the claims. An overriding decision results if the instant healthcare payment request claim is or is not fraudulent-wasteful-abusive according to group behavior.
    Type: Application
    Filed: June 30, 2021
    Publication date: October 21, 2021
    Applicant: Brighterion, Inc.
    Inventor: Akli Adjaoute
  • Publication number: 20210295339
    Abstract: A merchant data breach process comprises processing daily payment transaction data with a risk and compliance platform to obtain a fraud score for each constituent transaction. Constituent transactions with high risk fraud scores are sorted into a table according to the transaction date, cardholder, and merchant. The table data is scored according to suspected card visits, highly probable visits, and all card visits. The scores are normalized according to merchant size grouping through the use of multipliers. The normalized scores are summed together day-by-day into a final score. A timely warning of an underlying and expanding security rupture caused by a merchant data breach is issued for damage control and law enforcement.
    Type: Application
    Filed: June 8, 2021
    Publication date: September 23, 2021
    Applicant: Brighterion, Inc.
    Inventor: Akli Adjaoute