Intuit, Inc.

Nikolas Terani

Craig Alan Olague

Henry Venturelli

Gautam Saggar

Natalie De Shetler

Leandro Alves

Taylor Cressy

Eugene Bendersky

Nghiem Le

Ross H Mills

William Quach

A system receives a request for payment of a transaction between a vendor and a consumer, and sends a first request to a database associated with the online service for historical transactions and personal attributes of the vendor concurrently with sending a second request to a number of third-party services for credit information and personal attributes of the consumer. The system receives information responsive to the first and second requests from the database and the third-party services, respectively, and obtains a risk score for the transaction based on an application of one or more risk assessment rules to the received information by a machine learning model trained with at least the historical transactions and the personal attributes of the vendor. In some aspects, the system determines whether to advance funds to the vendor, prior to requesting payment from a consumer account, based at least in part on the risk score.

Minimizing risks posed to online services

In general, in one aspect, one or more embodiments relate to a method including receiving, in a business rules engine, input data from disparate data sources. The input data describes a merchant and an application by the merchant to use an electronic payments system for processing transactions between the merchant and customers. Featurization is performed on the input data to form a machine readable vector. By applying the machine readable vector as input to a machine learning model in a machine learning layer, a risk score is predicted. The machine learning model is trained using training data describing use of the electronic payments system by other merchants. The risk score is an estimated probability of the merchant being unable to satisfy an obligation of using the electronic payments system. A business rules engine, based on the risk score, limits use of the electronic payments system by the merchant.

Machine learning-based determination of limits on merchant use of a third party payments system

The invention relates to a method for live rule deployment with a deployment log. The method includes executing rules of a first rules package in response to one or more requests from applications. Also, the method includes receiving an identifier. The identifier is received from a configuration service, and the identifier identifies a location from which a latest rules package can be obtained. The method further includes determining, using the identifier, that a new rules package is available for deployment. Still yet, the method includes, in response to determining that the new rules package is available, requesting, using the location, a second rules package from a rules package manager. Further, the method includes receiving the second rules package from the rules package manager, and replacing the first rules package with the second rules package by deploying the second rules package.

Live rule deployment with deployment log

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Woodland Hills, CA, United States of America

Nikolas Terani