Patents by Inventor Frederick LAVOIE

Frederick LAVOIE 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).

  • METHOD, REFERRAL SERVER AND NETWORK FOR PROVIDING A TARGETED ADVERTISEMENTS TO USERS
    Publication number: 20220343368
    Abstract: For providing a targeted advertisement to a user, a referral server sends, to a financial platform server, a request for fetching the financial information of the user. The referral server receives, from the financial platform server, a reply containing the financial information of the user. The referral server analyses the financial information of the user to determine one or more behavioural attributes of the user. The referral server uses the one or more behavioural attributes of the user to define a behavioural profile of the user. The referral server may send to a device of the user a code sequence related to a marketing campaign selected according to the behavioural profile of the user. The marketing campaign may be selected by calculating a conversion rate for each of a plurality of marketing campaigns.
    Type: Application
    Filed: June 30, 2022
    Publication date: October 27, 2022
    Inventors: Frederick LAVOIE, Yves-Gabriel LEBOEUF, Karim LAHRICHI, Julien DUBE-COUSINEAU, Dominique SAMSON
  • Method, referral server and network for providing targeted advertisements to users
    Patent number: 11379879
    Abstract: For providing a targeted advertisement to a user, a referral server sends, to a financial platform server, a request for fetching the financial information of the user. The referral server receives, from the financial platform server, a reply containing the financial information of the user. The referral server analyses the financial information of the user to determine one or more behavioural attributes of the user. The referral server uses the one or more behavioural attributes of the user to define a behavioural profile of the user. The referral server may send to a device of the user a code sequence related to a marketing campaign selected according to the behavioural profile of the user. The marketing campaign may be selected by calculating a conversion rate for each of a plurality of marketing campaigns.
    Type: Grant
    Filed: November 27, 2020
    Date of Patent: July 5, 2022
    Assignee: FLINKS TECHNOLOGY INC.
    Inventors: Frederick Lavoie, Yves-Gabriel Leboeuf, Karim Lahrichi, Julien Dube-Cousineau, Dominique Samson
  • SYSTEMS AND METHODS FOR DETERMINING CREDIT WORTHINESS OF A BORROWER
    Publication number: 20200134716
    Abstract: There is disclosed a method and system for determining the credit worthiness of a borrower. The method comprises receiving a loan application from a prospective borrower. Transaction history for the prospective borrower is retrieved. A category is determined for each transaction in the transaction history. Transaction data metrics are determined for each category. A first machine learning algorithm (MLA) uses the transaction data metrics to predict a likelihood that the loan application will be approved. A second MLA uses the transaction data metrics to predict a likelihood that the loan will be repaid. The loan is approved or denied based on the predicted likelihoods.
    Type: Application
    Filed: October 28, 2019
    Publication date: April 30, 2020
    Inventors: Karim LAHRICHI, Julien DUBÉ-COUSINEAU, Ayoub HANZOULI, Frederick LAVOIE, Olivier BLAIS, Jonathan GAMBLE