Jesse C Barbour

US Patent:

20120109821, May 3, 2012

Filed:

Oct 29, 2010

Appl. No.:

12/916210

Inventors:

Jesse Barbour - Austin TX, US
Adam D. Anderson - Austin TX, US

International Classification:

G06Q 40/00

US Classification:

705 44

Abstract:

Embodiments disclosed herein provide a behavioral based solution to user identity validation, useful in real-time detection of abnormal activity while a user is engaged in an online transaction with a financial institution. A risk modeling system may run two distinct environments: one to train machine learning algorithms to produce classification objects and another to score user activities in real-time using these classification objects. In both environments, activity data collected on a particular user is mapped to various behavioral models to produce atomic elements that can be scored. Classifiers may be dynamically updated in response to new behavioral activities. Example user activities may include login, transactional, and traverse. In some embodiments, depending upon configurable settings with respect to sensitivity and/or specificity, detection of an abnormal activity or activities may not trigger a flag-and-notify unless an attempt is made to move or transfer money.

US Patent:

20200380021, Dec 3, 2020

Filed:

May 26, 2020

Appl. No.:

16/883623

Inventors:

- Austin TX, US
Jesse Lee Barbour - West Lake Hills TX, US

International Classification:

G06F 16/33
G06F 16/387
G06F 16/31
G06F 16/16
G06N 3/04

Abstract:

Embodiments of systems and methods for information retrieval are disclosed. Embodiments of such systems and methods may perform information retrieval based on a language model that is used to generate a single vector for the search terms of a query. Similarly, a single vector representation of each of the data records to be searched is obtained and the single vector representing the search terms of the query compared to the single vector of each data record to determine a similarity metric. The resulting similarity metrics associated with each of the data records can be used to rank, present or return one or more data records.