Intuit, Inc.

Aaron Dibner-Dunlap

Grace Wu

Juan Liu

Ying Yang

David Joseph Antestenis

Amrita Damani

Nirmala Ranganathan

Kevin Michael Furbish

Sumayah Rahman

Dynamic state-space modeling within a special purpose hardware platform to determine non-conversion risks for each trial user and churn risks for each active subscriber having exhibited a sequence of behaviors. The state-space model may be operable to determine a loss risk for each of a provider's active trial users and/or subscribers.

Personalized approach to modeling users of a system and/or service

Predictive modeling within a special purpose hardware platform to determine scenarios that are most likely to increase conversion potential for each trial user and retention potential for each active subscriber of a service, collectively referred to as a propensity score. The predictive models are integrated with a contextual marketing system that uses a loss risk assessment to learn user behavior and optimize content messaging designed to improve actual conversion or retention behavior for the user.

Contextual marketing system based on predictive modeling of users of a system and/or service

A processor may obtain financial data for a user. The processor may process the financial data to generate feature data indicative of at least one feature. The processor may compare the at least one feature to at least one threshold value to determine that the user has a cognitive bias affecting a financial preference of the user and associated with the at least one threshold value. The at least one threshold value may denote a threshold for membership in a cluster of unlabeled users having the cognitive bias. In response to the comparing, the processor may identify a change applicable to a financial account of the user. The change may be associated with the cognitive bias. The processor may automatically cause the change to be implemented by a network-accessible financial service.

Bias prediction and categorization in financial tools

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Mountain View, CA, United States of America

Aaron Dibner-Dunlap