Patents by Inventor Fransisco Kurniadi
Fransisco Kurniadi 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).
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Publication number: 20240152898Abstract: A system, a medium, and a method are provided to exchange data packets over a communications network and perform machine learning operations. A network server device receives account data from client devices that correspond to account profiles. An account engine of the network server device segments the account profiles into profile groups based on a respective balance associated with each account profile. The account engine determines target accounts from profile groups based on behavioral data. Further, data processing components of the network server device determine a method of contact for each target account. The data processing components determine a respective time to communicate with a respective device for each target account. Further, communication components of the network server device initiate communications to the respective devices at the respective times for each target account.Type: ApplicationFiled: October 9, 2023Publication date: May 9, 2024Inventors: Fransisco Kurniadi, Yaqin Yang
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Patent number: 11816656Abstract: A system, a medium, and a method are provided to exchange data packets over a communications network and perform machine learning operations. A network server device receives account data from client devices that correspond to account profiles. An account engine of the network server device segments the account profiles into profile groups based on a respective balance associated with each account profile. The account engine determines target accounts from profile groups based on behavioral data. Further, data processing components of the network server device determine a method of contact for each target account. The data processing components determine a respective time to communicate with a respective device for each target account. Further, communication components of the network server device initiate communications to the respective devices at the respective times for each target account.Type: GrantFiled: June 21, 2021Date of Patent: November 14, 2023Assignee: PAYPAL, INC.Inventors: Fransisco Kurniadi, Yaqin Yang
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Publication number: 20230325592Abstract: Systems and methods for data management using machine learning and artificial intelligence techniques related to topic modeling on text comments are described. The text comments may correspond to a particular transaction conducted by a user. Machine learning text analysis is performed on the text comment to determine one or more topics associated with the text comment. The topic with the highest correlation to the text comment is assigned to the transaction claim. Based on the topic assigned to the transaction claim, various actions may be performed, including remedial actions on a user account. These techniques may be applicable to chargeback fraud, in some embodiments.Type: ApplicationFiled: January 9, 2023Publication date: October 12, 2023Inventors: Yaqin Yang, Dinesh Kumar, Fransisco Kurniadi
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Publication number: 20230281659Abstract: Systems and methods for integrated multi-factor multi-label analysis include using one or more deep learning systems, such as neural networks, to analyze how well one or more entities are likely to benefit from a targeted action. Data associated with each of the entities is analyzed to determine a score for each of the proposed targeted actions using multiple analysis factors. The scores for each analysis factor are determined using a different multi-layer analysis network for each analysis factor. The scores for each analysis factor are then combined to determine an overall score for each of the proposed targeted actions. The entities and the proposed targeted actions with the highest scores are then identified and then used to determine which entities are to be the subject of which targeted actions.Type: ApplicationFiled: March 17, 2023Publication date: September 7, 2023Inventors: Yaqin Yang, Nitin Sharma, Fransisco Kurniadi, Yang Wu
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Publication number: 20230214696Abstract: Aspects of the present disclosure involve systems, methods, devices, and the like for presenting a recommendation. In one embodiment, a system is introduced that includes a plurality of models for obtaining a recommendation score. The recommendation score may be obtained using one or more models which can include supervised and unsupervised learning as well as a combination of user information and transactions. In another embodiment, the system is introduced that can provide a total recommendation score and recommendation generated by an ensemble model whose input can include the one or more recommendation scores previously obtained.Type: ApplicationFiled: December 16, 2022Publication date: July 6, 2023Inventors: Dinesh Kumar, Yuanyuan Pan, Prashant Gaurav, Fransisco Kurniadi, Kevin Ward, Yue Xin, Krishnakumar Govindarajalu, Kimberly Kidney, Tao Sun
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Patent number: 11610077Abstract: Systems and methods for integrated multi-factor multi-label analysis include using one or more deep learning systems, such as neural networks, to analyze how well one or more entities are likely to benefit from a targeted action. Data associated with each of the entities is analyzed to determine a score for each of the proposed targeted actions using multiple analysis factors. The scores for each analysis factor are determined using a different multi-layer analysis network for each analysis factor. The scores for each analysis factor are then combined to determine an overall score for each of the proposed targeted actions. The entities and the proposed targeted actions with the highest scores are then identified and then used to determine which entities are to be the subject of which targeted actions.Type: GrantFiled: May 10, 2019Date of Patent: March 21, 2023Assignee: PAYPAL, INC.Inventors: Yaqin Yang, Nitin Sharma, Fransisco Kurniadi, Yang Wu
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Patent number: 11550999Abstract: Systems and methods for data management using machine learning and artificial intelligence techniques related to topic modeling on text comments are described. The text comments may correspond to a particular transaction conducted by a user. Machine learning text analysis is performed on the text comment to determine one or more topics associated with the text comment. The topic with the highest correlation to the text comment is assigned to the transaction claim. Based on the topic assigned to the transaction claim, various actions may be performed, including remedial actions on a user account. These techniques may be applicable to chargeback fraud, in some embodiments.Type: GrantFiled: November 5, 2019Date of Patent: January 10, 2023Assignee: PayPal, Inc.Inventors: Yaqin Yang, Dinesh Kumar, Fransisco Kurniadi
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Patent number: 11531916Abstract: Aspects of the present disclosure involve systems, methods, devices, and the like for presenting a recommendation. In one embodiment, a system is introduced that includes a plurality of models for obtaining a recommendation score. The recommendation score may be obtained using one or more models which can include supervised and unsupervised learning as well as a combination of user information and transactions. In another embodiment, the system is introduced that can provide a total recommendation score and recommendation generated by an ensemble model whose input can include the one or more recommendation scores previously obtained.Type: GrantFiled: December 7, 2018Date of Patent: December 20, 2022Assignee: PayPal, Inc.Inventors: Dinesh Kumar, Yuanyuan Pan, Prashant Gaurav, Fransisco Kurniadi, Kevin Ward, Yue Xin, Krishnakumar Govindarajalu, Kimberly Kidney, Tao Sun
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Patent number: 11416925Abstract: A system performs operations that include identifying a first subset of accounts from a set of accounts, each account in the first subset of accounts satisfying a first abuse score threshold for a first time period, the first abuse score threshold corresponding to a first buyer abuse component. The operations further include determining a first restriction rate for the first subset of accounts based on a number of accounts in the first subset of accounts that have been restricted for potential abuse. The operations also include comparing the first restriction rate with respective restriction rates of one or more other subsets of the set of accounts that correspond to one or more other abuse components, and based on the comparing, determining whether to adjust the first abuse score threshold.Type: GrantFiled: December 30, 2019Date of Patent: August 16, 2022Assignee: PayPal, Inc.Inventors: Dinesh Kumar, Yaqin Yang, Fransisco Kurniadi
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Patent number: 11157987Abstract: Aspects of the present disclosure involve systems, methods, devices, and the like for presenting a recommendation. In one embodiment, a system is introduced that includes a plurality of models for obtaining a recommendation score. The recommendation score may be obtained using one or more recommendation models and a recommendation made based on the recommendation score determined. In another embodiment, the system is introduced that can re-train the recommendation model based on a feedback received in response to a recommendation made using on the recommendation score obtained.Type: GrantFiled: December 11, 2018Date of Patent: October 26, 2021Assignee: PayPal, Inc.Inventors: Dinesh Kumar, Yuanyuan Pan, Prashant Gaurav, Fransisco Kurniadi, Yue Xin, Krishnakumar Govindarajalu, Kimberly Kidney, Tao Sun, Kevin Ward
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Publication number: 20210312421Abstract: A system, a medium, and a method are provided to exchange data packets over a communications network and perform machine learning operations. A network server device receives account data from client devices that correspond to account profiles. An account engine of the network server device segments the account profiles into profile groups based on a respective balance associated with each account profile. The account engine determines target accounts from profile groups based on behavioral data. Further, data processing components of the network server device determine a method of contact for each target account. The data processing components determine a respective time to communicate with a respective device for each target account. Further, communication components of the network server device initiate communications to the respective devices at the respective times for each target account.Type: ApplicationFiled: June 21, 2021Publication date: October 7, 2021Inventors: Fransisco Kurniadi, Yaqin Yang
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Publication number: 20210201395Abstract: A system performs operations that include identifying a first subset of accounts from a set of accounts, each account in the first subset of accounts satisfying a first abuse score threshold for a first time period, the first abuse score threshold corresponding to a first buyer abuse component. The operations further include determining a first restriction rate for the first subset of accounts based on a number of accounts in the first subset of accounts that have been restricted for potential abuse. The operations also include comparing the first restriction rate with respective restriction rates of one or more other subsets of the set of accounts that correspond to one or more other abuse components, and based on the comparing, determining whether to adjust the first abuse score threshold.Type: ApplicationFiled: December 30, 2019Publication date: July 1, 2021Inventors: Dinesh Kumar, Yaqin Yang, Fransisco Kurniadi
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Patent number: 11042867Abstract: A system, a medium, and a method are provided to exchange data packets over a communications network and perform machine learning operations. A network server device receives account data from client devices that correspond to account profiles. An account engine of the network server device segments the account profiles into profile groups based on a respective balance associated with each account profile. The account engine determines target accounts from profile groups based on behavioral data. Further, data processing components of the network server device determine a method of contact for each target account. The data processing components determine a respective time to communicate with a respective device for each target account. Further, communication components of the network server device initiate communications to the respective devices at the respective times for each target account.Type: GrantFiled: October 14, 2019Date of Patent: June 22, 2021Assignee: PAYPAL, INC.Inventors: Fransisco Kurniadi, Yaqin Yang
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Publication number: 20210133286Abstract: Systems and methods for data management using machine learning and artificial intelligence techniques related to topic modeling on text comments are described. The text comments may correspond to a particular transaction conducted by a user. Machine learning text analysis is performed on the text comment to determine one or more topics associated with the text comment. The topic with the highest correlation to the text comment is assigned to the transaction claim. Based on the topic assigned to the transaction claim, various actions may be performed, including remedial actions on a user account. These techniques may be applicable to chargeback fraud, in some embodiments.Type: ApplicationFiled: November 5, 2019Publication date: May 6, 2021Inventors: Yaqin Yang, Dinesh Kumar, Fransisco Kurniadi
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Publication number: 20200356803Abstract: Systems and methods for integrated multi-factor multi-label analysis include using one or more deep learning systems, such as neural networks, to analyze how well one or more entities are likely to benefit from a targeted action. Data associated with each of the entities is analyzed to determine a score for each of the proposed targeted actions using multiple analysis factors. The scores for each analysis factor are determined using a different multi-layer analysis network for each analysis factor. The scores for each analysis factor are then combined to determine an overall score for each of the proposed targeted actions. The entities and the proposed targeted actions with the highest scores are then identified and then used to determine which entities are to be the subject of which targeted actions.Type: ApplicationFiled: May 10, 2019Publication date: November 12, 2020Inventors: Yaqin Yang, Nitin Sharma, Fransisco Kurniadi, Yang Wu
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Publication number: 20200184357Abstract: Aspects of the present disclosure involve systems, methods, devices, and the like for presenting a recommendation. In one embodiment, a system is introduced that includes a plurality of models for obtaining a recommendation score. The recommendation score may be obtained using one or more models which can include supervised and unsupervised learning as well as a combination of user information and transactions. In another embodiment, the system is introduced that can provide a total recommendation score and recommendation generated by an ensemble model whose input can include the one or more recommendation scores previously obtained.Type: ApplicationFiled: December 7, 2018Publication date: June 11, 2020Inventors: Dinesh Kumar, Yuanyuan Pan, Prashant Gaurav, Fransisco Kurniadi, Kevin Ward, Yue Xin, Krishnakumar Govindarajalu, Kimberly Kidney, Tao Sun
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Publication number: 20200184537Abstract: Aspects of the present disclosure involve systems, methods, devices, and the like for presenting a recommendation. In one embodiment, a system is introduced that includes a plurality of models for obtaining a recommendation score. The recommendation score may be obtained using one or more recommendation models and a recommendation made based on the recommendation score determined. In another embodiment, the system is introduced that can re-train the recommendation model based on a feedback received in response to a recommendation made using on the recommendation score obtained.Type: ApplicationFiled: December 11, 2018Publication date: June 11, 2020Inventors: Dinesh Kumar, Yuanyuan Pan, Prashant Gaurav, Fransisco Kurniadi, Yue Xin, Krishnakumar Govindarajalu, Kimberly Kidney, Tao Sun, Kevin Ward
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Patent number: 10671935Abstract: Various systems, mediums, and methods for providing services may involve data engines configured to generate scores associated with one or more entities and then to classify the entities based on the scores. The data engine may collect data and based on the collected data may generate a first behavior model in a first time span, and a second and third behavior models in a second time span. The data engine may generate a first score based on the first behavior model, a second score based on the second behavior model, and a third score based on the third behavior model. The data engine may generate a final score based on the first, second, and third scores. The data engine can classify the entity based on the final score. The data engine can then automatically adjust one of the services provided to the entity based on the final score.Type: GrantFiled: June 6, 2016Date of Patent: June 2, 2020Assignee: PayPal, Inc.Inventors: Fransisco Kurniadi, Navya Pedemane
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Publication number: 20200082298Abstract: A system, a medium, and a method are provided to exchange data packets over a communications network and perform machine learning operations. A network server device receives account data from client devices that correspond to account profiles. An account engine of the network server device segments the account profiles into profile groups based on a respective balance associated with each account profile. The account engine determines target accounts from profile groups based on behavioral data. Further, data processing components of the network server device determine a method of contact for each target account. The data processing components determine a respective time to communicate with a respective device for each target account. Further, communication components of the network server device initiate communications to the respective devices at the respective times for each target account.Type: ApplicationFiled: October 14, 2019Publication date: March 12, 2020Inventors: Fransisco Kurniadi, Yaqin Yang
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Patent number: 10445652Abstract: A system, a medium, and a method are provided to exchange data packets over a communications network and perform machine learning operations. A network server device receives account data from client devices that correspond to account profiles. An account engine of the network server device segments the account profiles into profile groups based on a respective balance associated with each account profile. The account engine determines target accounts from profile groups based on behavioral data. Further, data processing components of the network server device determine a method of contact for each target account. The data processing components determine a respective time to communicate with a respective device for each target account. Further, communication components of the network server device initiate communications to the respective devices at the respective times for each target account.Type: GrantFiled: July 30, 2015Date of Patent: October 15, 2019Assignee: PAYPAL, INC.Inventors: Fransisco Kurniadi, Yaqin Yang