Patents by Inventor Gregory Gancarz
Gregory Gancarz 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: 20220318901Abstract: The present disclosure relates generally to a risk-based fraud identification and risk analysis system. For example, the system may receive application data from a first borrower user, determine a segment associated with the application data, apply application data to one or more machine learning (ML) models, and receive a score based at least in part upon output of the ML model.Type: ApplicationFiled: April 25, 2022Publication date: October 6, 2022Applicant: PointPredictive Inc.Inventors: Frank J. McKenna, Timothy J. Grace, Gregory Gancarz, Michael J. Kennedy
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Patent number: 11380171Abstract: A computer-implemented method and system for visualizing card transaction fraud analysis is presented. Transaction data and account data related to one or more payment card accounts is stored in a database. The transaction data includes a fraud score. A computer processor generates one or more of a plurality of visualizations of activity of at least one suspicious account from the one or more payment card accounts for display in a graphical user interface, each of the plurality of visualizations providing at least a graphical representation of the transaction data and which is selectable from a menu provided by the computer processor in the graphical user interface. The visualizations assist in case judgment of the one or more payment cards.Type: GrantFiled: March 18, 2019Date of Patent: July 5, 2022Assignee: FAIR ISAAC CORPORATIONInventors: Yonghui Chen, Gregory Gancarz, Scott M. Zoldi
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Patent number: 11321774Abstract: The present disclosure relates generally to a risk-based fraud identification and risk analysis system. For example, the system may receive application data from a first borrower user, determine a segment associated with the application data, apply application data to one or more machine learning (ML) models, and receive a score based at least in part upon output of the ML model.Type: GrantFiled: January 31, 2020Date of Patent: May 3, 2022Assignee: PointPredictive, Inc.Inventors: Frank J. McKenna, Timothy J. Grace, Gregory Gancarz, Michael J. Kennedy
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Publication number: 20200357059Abstract: The present disclosure relates generally to a calculated probability that an income value has been misrepresented in a risk analysis system. For example, the system may apply first data to a first machine learning (ML) model to determine a conservative income prediction associated with the data and apply second data to a second ML model to determine a probability that an overstatement of the income value would result in a change in an approval determination.Type: ApplicationFiled: May 7, 2019Publication date: November 12, 2020Applicant: PointPredictive Inc.Inventors: Michael J. Kennedy, Gregory Gancarz, Shi Shu
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Patent number: 10733668Abstract: The present disclosure relates generally to a multi-layer fraud identification and risk analysis system. For example, the system may receive application data from a first borrower user, apply application data to one or more machine learning (ML) models, and receive a first score based at least in part upon output of the ML model that is associated with the first borrower user. The system may aggregate scores associated with multiple borrower users to a cumulative dealer user level. The aggregated first scores associated with the dealer user, as well as other corresponding application data, may be provided as input to a second ML model. Output from the second ML model may be associated with the dealer user as a second score.Type: GrantFiled: January 29, 2019Date of Patent: August 4, 2020Assignee: PointPredictive Inc.Inventors: Frank J. McKenna, Timothy J. Grace, Gregory Gancarz, Michael J. Kennedy
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Patent number: 10692141Abstract: The present disclosure relates generally to a multi-layer fraud identification and risk analysis system. For example, the system may receive a plurality of first scores associated with borrower users and a dealer user based at least in part upon output of the first ML model. The system may receive a request from a lender user device for a second score, where the dealer user and the lender user device are associated according to a correlative score. The plurality of applications and the correlative score may be used as input to the second ML model that quantifies the risk of the dealer user specifically to the lender user, based on attributes associated with the application data, dealer user, and/or lender user. Output from the second ML model may be provided to the lender user device.Type: GrantFiled: January 29, 2019Date of Patent: June 23, 2020Assignee: PointPredictive Inc.Inventors: Frank J. McKenna, Timothy J. Grace, Gregory Gancarz, Michael J. Kennedy
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Publication number: 20200175586Abstract: The present disclosure relates generally to a risk-based fraud identification and risk analysis system. For example, the system may receive application data from a first borrower user, determine a segment associated with the application data, apply application data to one or more machine learning (ML) models, and receive a score based at least in part upon output of the ML model.Type: ApplicationFiled: January 31, 2020Publication date: June 4, 2020Applicant: PointPredictive Inc.Inventors: Frank J. McKenna, Timothy J. Grace, Gregory Gancarz, Michael J. Kennedy
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Patent number: 10586280Abstract: The present disclosure relates generally to a risk-based fraud identification and risk analysis system. For example, the system may receive application data from a first borrower user, determine a segment associated with the application data, apply application data to one or more machine learning (ML) models, and receive a score based at least in part upon output of the ML model.Type: GrantFiled: January 29, 2019Date of Patent: March 10, 2020Assignee: PointPredictive Inc.Inventors: Frank J. McKenna, Timothy J. Grace, Gregory Gancarz, Michael J. Kennedy
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Publication number: 20190295383Abstract: A computer-implemented method and system for visualizing card transaction fraud analysis is presented. Transaction data and account data related to one or more payment card accounts is stored in a database. The transaction data includes a fraud score. A computer processor generates one or more of a plurality of visualizations of activity of at least one suspicious account from the one or more payment card accounts for display in a graphical user interface, each of the plurality of visualizations providing at least a graphical representation of the transaction data and which is selectable from a menu provided by the computer processor in the graphical user interface. The visualizations assist in case judgment of the one or more payment cards.Type: ApplicationFiled: March 18, 2019Publication date: September 26, 2019Inventors: Yonghui Chen, Gregory Gancarz, Scott M. Zoldi
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Publication number: 20190236484Abstract: The present disclosure relates generally to a risk-based fraud identification and risk analysis system. For example, the system may receive application data from a first borrower user, determine a segment associated with the application data, apply application data to one or more machine learning (ML) models, and receive a score based at least in part upon output of the ML model.Type: ApplicationFiled: January 29, 2019Publication date: August 1, 2019Applicant: PointPredictive Inc.Inventors: Frank J. McKenna, Timothy J. Grace, Gregory Gancarz, Michael J. Kennedy
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Publication number: 20190236695Abstract: The present disclosure relates generally to a multi-layer fraud identification and risk analysis system. For example, the system may receive application data from a first borrower user, apply application data to one or more machine learning (ML) models, and receive a first score based at least in part upon output of the ML model that is associated with the first borrower user. The system may aggregate scores associated with multiple borrower users to a cumulative dealer user level. The aggregated first scores associated with the dealer user, as well as other corresponding application data, may be provided as input to a second ML model. Output from the second ML model may be associated with the dealer user as a second score.Type: ApplicationFiled: January 29, 2019Publication date: August 1, 2019Applicant: PointPredictive Inc.Inventors: Frank J. McKenna, Timothy J. Grace, Gregory Gancarz, Michael J. Kennedy
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Publication number: 20190236480Abstract: The present disclosure relates generally to a multi-layer fraud identification and risk analysis system. For example, the system may receive a plurality of first scores associated with borrower users and a dealer user based at least in part upon output of the first ML model. The system may receive a request from a lender user device for a second score, where the dealer user and the lender user device are associated according to a correlative score. The plurality of applications and the correlative score may be used as input to the second ML model that quantifies the risk of the dealer user specifically to the lender user, based on attributes associated with the application data, dealer user, and/or lender user. Output from the second ML model may be provided to the lender user device.Type: ApplicationFiled: January 29, 2019Publication date: August 1, 2019Applicant: PointPredictive Inc.Inventors: Frank J. McKenna, Timothy J. Grace, Gregory Gancarz, Michael J. Kennedy
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Patent number: 10242540Abstract: A computer-implemented method and system for visualizing card transaction fraud analysis is presented. Transaction data and account data related to one or more payment card accounts is stored in a database. The transaction data includes a fraud score. A computer processor generates one or more of a plurality of visualizations of activity of at least one suspicious account from the one or more payment card accounts for display in a graphical user interface, each of the plurality of visualizations providing at least a graphical representation of the transaction data and which is selectable from a menu provided by the computer processor in the graphical user interface. The visualizations assist in case judgment of the one or more payment cards.Type: GrantFiled: September 2, 2009Date of Patent: March 26, 2019Assignee: FAIR ISAAC CORPORATIONInventors: Yonghui Chen, Gregory Gancarz, Scott M. Zoldi
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Patent number: 9792653Abstract: A system for automatically recommending treatments for delinquent accounts in collections is provided. The system includes one or more sub-models for analyzing and scoring delinquent accounts and comparing them to historical accounts to identify similar historical accounts. The system can select and recommend one or more treatments for the delinquent account based on treatments for the historical accounts that may have previously provided a favorable outcome for a similar account. The system may test the efficacy of new treatments and incorporate the results into the memory, thereby learning and adapting to new treatments and account behavior.Type: GrantFiled: December 13, 2011Date of Patent: October 17, 2017Assignee: Opera Solutions U.S.A., LLCInventors: Gregory Gancarz, Jenny Zhang, Kathleen Marie Crowe
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Patent number: 8567669Abstract: A merchant profile builder (MPB) is provided. The complete merchant profiling process is split into three pieces: Data Preprocessing, Weekly Summary Calculation, and Merchant Profile Calculation. In the Data Preprocessing stage, authorization data and daily fraud data are processed on a weekly basis to yield: an authorization extract file and fraud authorization data, each of which are sorted by a merchant key. In the Weekly Summary Calculation stage, the files output by the Data Preprocessing stage are used as input to compile basic statistics for each merchant based only on data for one week. There are separate weekly summaries for authorizations and fraud authorizations. In the Merchant Profile Calculation stage, the weekly summaries from the 16 most recent weeks are combined together and averages are calculated and output a set of merchant profiles and a set of default profiles.Type: GrantFiled: February 21, 2007Date of Patent: October 29, 2013Assignee: Fair Isaac CorporationInventors: David Griegel, Linyu Yang, Danfeng Li, Bo Zhang, Joseph Milana, Zuohua Zhang, Gregory Gancarz
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Publication number: 20130151383Abstract: A system for automatically recommending treatments for delinquent accounts in collections is provided. The system includes one or more sub-models for analyzing and scoring delinquent accounts and comparing them to historical accounts to identify similar historical accounts. The system can select and recommend one or more treatments for the delinquent account based on treatments for the historical accounts that may have previously provided a favorable outcome for a similar account. The system may test the efficacy of new treatments and incorporate the results into the memory, thereby learning and adapting to new treatments and account behavior.Type: ApplicationFiled: December 13, 2011Publication date: June 13, 2013Applicant: Opera Solutions, LLCInventors: Gregory Gancarz, Jenny Zhang, Kathleen Marie Crowe
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Publication number: 20110055074Abstract: A computer-implemented method and system for visualizing card transaction fraud analysis is presented. Transaction data and account data related to one or more payment card accounts is stored in a database. The transaction data includes a fraud score. A computer processor generates one or more of a plurality of visualizations of activity of at least one suspicious account from the one or more payment card accounts for display in a graphical user interface, each of the plurality of visualizations providing at least a graphical representation of the transaction data and which is selectable from a menu provided by the computer processor in the graphical user interface. The visualizations assist in case judgment of the one or more payment cards.Type: ApplicationFiled: September 2, 2009Publication date: March 3, 2011Inventors: Yonghui Chen, Gregory Gancarz, Scott M. Zoldi
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Publication number: 20090292568Abstract: Methods, systems and computer-implemented processes for analyzing transactions for fraud are presented. A plurality of risk tables used by a fraud detection model is augmented with temporal change data related to risk variables associated with the plurality of risk tables. The fraud detection model is then executed using the augmented plurality of risk tables to generate a score for transaction data representing a new transaction, the score representing a numerical probability of the existence of fraud based on the fraud detection model.Type: ApplicationFiled: May 22, 2008Publication date: November 26, 2009Inventors: Reza Khosravani, Maria Derderian, Gregory Gancarz, Jenny G. Zhang
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Publication number: 20070203732Abstract: A merchant profile builder (MPB) is provided. The complete merchant profiling process is split into three pieces: Data Preprocessing, Weekly Summary Calculation, and Merchant Profile Calculation. In the Data Preprocessing stage, authorization data and daily fraud data are processed on a weekly basis to yield: an authorization extract file and fraud authorization data, each of which are sorted by a merchant key. In the Weekly Summary Calculation stage, the files output by the Data Preprocessing stage are used as input to compile basic statistics for each merchant based only on data for one week. There are separate weekly summaries for authorizations and fraud authorizations. In the Merchant Profile Calculation stage, the weekly summaries from the 16 most recent weeks are combined together and averages are calculated and output a set of merchant profiles and a set of default profiles.Type: ApplicationFiled: February 21, 2007Publication date: August 30, 2007Inventors: David GRIEGEL, Linyu Yang, Danfeng Li, Bo Zhang, Joseph Milana, Zuohua Zhang, Gregory Gancarz