Patents by Inventor Lillian Xu

Lillian Xu 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: 11663662
    Abstract: There are provided systems and methods for automatic adjustment of limits based on machine learning forecasting. An entity, such as company or other entity, may purchase items utilizing a payment instrument or card provided to the company by a credit provider system or entity. In order to provide proper underwriting for credit extensions, such as balances and limits of extendable credit, the credit provider system may utilize a forecasting machine learning (ML) model trained to predict a future global balance of funds or a likelihood of repayment of the extended credit limit. This may be based on information retrievable balances from a banking system and a staleness of this data. When the data is stale and has not been updated, the forecasted balance may have a wider range, and thus risk factors may designate less risky and lower limits.
    Type: Grant
    Filed: December 22, 2021
    Date of Patent: May 30, 2023
    Assignee: Brex Inc.
    Inventors: Bryant Chen, Lillian Xu, Jeanette Jin
  • Publication number: 20230005055
    Abstract: There are provided systems and methods for automatic adjustment of limits based on machine learning forecasting. An entity, such as company or other entity, may purchase items utilizing a payment instrument or card provided to the company by a credit provider system or entity. In order to provide proper underwriting for credit extensions, such as balances and limits of extendable credit, the credit provider system may utilize a forecasting machine learning (ML) model trained to predict a future global balance of funds or a likelihood of repayment of the extended credit limit. This may be based on information retrievable balances from a banking system and a staleness of this data. When the data is stale and has not been updated, the forecasted balance may have a wider range, and thus risk factors may designate less risky and lower limits.
    Type: Application
    Filed: December 22, 2021
    Publication date: January 5, 2023
    Inventors: Bryant Chen, Lillian Xu, Jeanette Jin
  • Publication number: 20190135910
    Abstract: A method of treating psoriatic arthritis in a patient by administering an IL-23 specific antibody, e.g., guselkumab, in a clinically proven safe and clinically proven effective amount and the patient achieves significant ACR20/50/70, PASI70/90/100, MDA, HAQ-DI, SF-36 PCS, MCS, LEI/dactylitis, PASDAS, GRACE, mCPDAI, DAPSA or RAPID3 improvement as measured 16, 24, 32, 40 and 48 weeks after initial treatment.
    Type: Application
    Filed: November 6, 2018
    Publication date: May 9, 2019
    Inventors: Elizabeth Hsia, Lillian Xu