Patents by Inventor Nicole LANGBALLE

Nicole LANGBALLE 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).

  • ARTIFICIAL INTELLIGENCE MODELING TO PREDICT ELECTRONIC ACCOUNT DATA
    Publication number: 20240046333
    Abstract: Disclosed methods and system describe a server that uses AI modeling to predict negative cash flow at a user level. The server periodically retrieves data associated with the user, the data comprising monetary attributes associated with one or more accounts of the user; executes a deep neural network model trained based upon historical data associated with at least a subset of the users configured to predict a negative cash flow in one or more accounts of the user, a depth of the negative cash flow, and a duration of the negative cash flow; transmits, to a second server, the predicted values, whereby when the second server determines that a likelihood of account needs satisfies a threshold, the second server establishes an electronic communication session with an electronic device of the user; trains the deep neural network when the second server establishes the electronic communication session.
    Type: Application
    Filed: October 17, 2023
    Publication date: February 8, 2024
    Applicant: BANK OF MONTREAL
    Inventors: Seyed Masoud NOSRATI, Evgene VAHLIS, Seyed Hamed Yaghoubi SHAHIR, Bo ZHAO, Nicole LANGBALLE, Peter POON
  • Artificial intelligence modeling to predict electronic account data
    Patent number: 11798059
    Abstract: Disclosed methods and system describe a server that uses AI modeling to predict negative cash flow at a user level. The server periodically retrieves data associated with the user, the data comprising monetary attributes associated with one or more accounts of the user; executes a deep neural network model trained based upon historical data associated with at least a subset of the users configured to predict a negative cash flow in one or more accounts of the user, a depth of the negative cash flow, and a duration of the negative cash flow; transmits, to a second server, the predicted values, whereby when the second server determines that a likelihood of account needs satisfies a threshold, the second server establishes an electronic communication session with an electronic device of the user; trains the deep neural network when the second server establishes the electronic communication session.
    Type: Grant
    Filed: April 8, 2021
    Date of Patent: October 24, 2023
    Assignee: BANK OF MONTREAL
    Inventors: Seyed Masoud Nosrati, Evgene Vahlis, Seyed Hamed Yaghoubi Shahir, Bo Zhao, Nicole Langballe, Peter Poon
  • ARTIFICIAL INTELLIGENCE MODELING TO PREDICT ELECTRONIC ACCOUNT DATA
    Publication number: 20210326960
    Abstract: Disclosed methods and system describe a server that uses AI modeling to predict negative cash flow at a user level. The server periodically retrieves data associated with the user, the data comprising monetary attributes associated with one or more accounts of the user; executes a deep neural network model trained based upon historical data associated with at least a subset of the users configured to predict a negative cash flow in one or more accounts of the user, a depth of the negative cash flow, and a duration of the negative cash flow; transmits, to a second server, the predicted values, whereby when the second server determines that a likelihood of account needs satisfies a threshold, the second server establishes an electronic communication session with an electronic device of the user; trains the deep neural network when the second server establishes the electronic communication session.
    Type: Application
    Filed: April 8, 2021
    Publication date: October 21, 2021
    Inventors: Seyed Masoud NOSRATI, Evgene VAHLIS, Seyed Hamed Yaghoubi SHAHIR, Bo ZHAO, Nicole LANGBALLE, Peter POON