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1. 发明授权

US11194787B2 Anomaly detection 有权
公开(公告)号：US11194787B2
公开(公告)日：2021-12-07
申请号：US16643056
申请日：2018-08-31
申请人： KBC Groep NV
发明人： Tomá{hacek over (s)} Matyska , Eugen Stripling , Barak Chizi
IPC分类号： G06F16/23 , G06N20/00 , G06F16/27 , G06Q40/08
摘要： The current invention relates to a system for detecting anomalies, said system comprising a communication module having access to a database comprising a plurality of physical entity records, each physical entity record comprising physical data values for at least one numeric attribute and partition-specifying values concerning values for one or more nominal attributes; a computing device comprising a processor, tangible non-volatile memory, program code present on said memory for instructing said processor; wherein the communication module is arranged to provide said computing device access to said database, and wherein said computing device is configured for carrying out a method for calculating an anomaly score for each of said plurality of physical entity records.

2. 发明申请

US20190166102A1 SYSTEM FOR RETRIEVING PRIVACY-FILTERED INFORMATION FROM TRANSACTION DATA 审中-公开
公开(公告)号：US20190166102A1
公开(公告)日：2019-05-30
申请号：US16301241
申请日：2017-02-21
申请人： KBC Groep NV
发明人： BARAK CHIZI , JEROEN D'HAEN , TOMAS KLINGER , LAURA NURSKI , JOHAN THIJS , ERIK VAN GOOLEN
IPC分类号： H04L29/06 , G06Q30/06 , H04L9/06
摘要： The current invention relates to a computing system for obtaining a privacy-filtered response to a query of a user, the computing system comprising a server, the server comprising a server processor, tangible non-volatile server memory, server program code present on said server memory for instructing said server processor; a computer-readable medium, the computer-readable medium comprising a database, said database comprising privacy settings comprising a privacy threshold; a device, said device comprising a device processor, tangible non-volatile device memory, device program code present on said device memory for instructing said device processor; wherein said server is configured for receiving raw transaction data from an external source such as a raw transaction database or a raw transaction feed.

3. 发明专利

JP2020531948A 自動化投資アドバイス及び実行のシステム审中-公开
公开(公告)号：JP2020531948A
公开(公告)日：2020-11-05
申请号：JP2020506148
申请日：2018-08-17
申请人：カーベーセーグループエンフェー , KBC Groep NV
发明人：ヴァンロムパイエ,ベルト , ヤプラコヴ,ディミタール , マルケ,イネ , デシュピーゲラール,ヤン , ローギールス,ステファーン , チジ,バラク
IPC分类号： G06Q40/06
摘要：本発明は、自動化投資アドバイスのコンピューティングシステムに関し、該コンピューティングシステムは、サーバーであって、プロセッサ、有形不揮発性メモリ、上記プロセッサに命令するための、上記メモリ上に存在するプログラムコードを含む、サーバーと、少なくとも1つのコンピューター可読媒体とを備え、該少なくとも1つのコンピューター可読媒体は、データベースを含み、該データベースは、複数の金融商品の過去の実績に関連する証券知識データと、顧客リスクに関連する顧客知識データであって、該顧客知識データは、アンケートを含み、該顧客知識データは、複数の所定のリスクカテゴリを更に含み、各リスクカテゴリは、少なくとも1つの所定のリスクパラメーター値を含む、顧客知識データとを含む、投資関連データを含み、該コンピューティングシステムは、リスク遵守ポートフォリオを計算する方法を実行するように構成され、該方法は、(a)上記アンケートを顧客に提供するステップと、(b)上記アンケートに対する回答を上記顧客から受け取るステップと、(c)上記回答に基づいて、上記顧客を、上記複数のリスクカテゴリに属する割り当てられたリスクカテゴリに割り当てるステップと、(d)上記複数の金融商品のうちの少なくとも1つの選択を含む上記リスク遵守ポートフォリオを計算するステップであって、上記計算することは、少なくとも、上記証券知識データ及び上記割り当てられたリスクカテゴリに基づく、ステップとを含み、ステップ(d)における上記計算することは、上記リスク遵守ポートフォリオに関連する値と、上記少なくとも1つの所定のリスクパラメーター値とを比較することによって、上記割り当てられたリスクカテゴリを遵守しながら、ポートフォリオリターンの期待値を最大化する、及び/又は、期待リスクを最小限にすることに関連する。【選択図】図1

4. 发明授权

US10929448B2 Determining a category of a request by word vector representation of a natural language text string with a similarity value 有权
公开(公告)号：US10929448B2
公开(公告)日：2021-02-23
申请号：US16100965
申请日：2018-08-10
申请人： KBC Groep NV
发明人： Hans Verstraete , Hans Verstraete , Pieter Van Hertum , Rahul Maheshwari , Jeroen D'Haen , Michaël Mariën , Barak Chizi , Frank Fripon , Sven Evens
IPC分类号： G06F40/35 , G06Q40/08 , G06F16/33 , G06F16/35 , G06F40/268 , G06F40/232 , G06K9/34 , G06N5/04
摘要： A computer-implemented method determines a category of a request provided by a user by means of a user device. The user device includes connection means and means for receiving a request description relating to said request from said user. The method includes receiving, from the user, the request description, by means of the device, and uploading the request description to a server. The server has access to a database which includes a number of previously categorized requests each including a category and a vocabulary, which includes a number of word vector representations. The method further includes identifying, by the server, a number of component words belonging to a natural language text string included in the request description; obtaining, for at least one of the component words, an associated word vector representation from the vocabulary, and determining a request vector, based on at least one obtained word vector representation.

5. 发明申请

US20200026773A1 REQUEST HANDLING 审中-公开
公开(公告)号：US20200026773A1
公开(公告)日：2020-01-23
申请号：US16100965
申请日：2018-08-10
申请人： KBC Groep NV
发明人： HANS VERSTRAETE
IPC分类号： G06F17/30 , G06F17/27 , G06K9/34 , G06N5/04
摘要： A computer-implemented method determines a category of a request provided by a user by means of a user device. The user device includes connection means and means for receiving a request description relating to said request from said user. The method includes receiving, from the user, the request description, by means of the device, and uploading the request description to a server. The server has access to a database which includes a number of previously categorized requests each including a category and a vocabulary, which includes a number of word vector representations. The method further includes identifying, by the server, a number of component words belonging to a natural language text string included in the request description; obtaining, for at least one of the component words, an associated word vector representation from the vocabulary, and determining a request vector, based on at least one obtained word vector representation.

6. 发明专利

JP2020535503A 改善された住宅ローン金利決定审中-公开
公开(公告)号：JP2020535503A
公开(公告)日：2020-12-03
申请号：JP2020515088
申请日：2018-09-27
申请人：カーベーセーグループエンフェー , KBC Groep NV
发明人：フリードマン,マイク , ヴァンロムパイエ,ベルト , ヴァンデプト,マルク , チジ,バラク
IPC分类号： G06Q40/02
摘要：本発明は、住宅ローン要求に割引を割り当てるコンピューティングシステムであって、プロセッサ、有形不揮発性メモリ、上記プロセッサに命令する、上記メモリ上に存在するプログラムコード、任意選択でネットワークインターフェースを備えるサーバーと、複数の割引規則、少なくとも1つの価格感度モデルパラメーター、少なくとも1つの顧客生涯価値モデルパラメーター、及び任意選択でデータベースを含む、少なくとも1つのコンピューター可読媒体とを備え、該コンピューティングシステムは、上記割引の上記割り当て方法を実行するように構成されるコンピューティングシステムに関する。【選択図】図1

7. 发明授权

US11354837B2 Geographic indexing 有权
公开(公告)号：US11354837B2
公开(公告)日：2022-06-07
申请号：US17058505
申请日：2019-06-25
申请人： KBC Groep NV
发明人： Martina Chlebcova , Viera Kovalova , Barak Chizi , Jeroen D'haen
IPC分类号： G06T11/20 , G06F17/15
摘要： The current invention relates to a computer-implemented method for creating an overlay map, preferably a heat map, comprising: receiving at a server a user request for creation of the overlay map; loading vector data at the server comprising location data, the location data comprising at least one attribute; converting the vector data to image data composed of pixels according to an index scale; applying the converted image data to a color ramp; and creating the overlay map based on the converted image data and the color ramp; wherein said vector data is organized according to a plurality of layers, the location data comprising at least one attribute for each layer.

8. 发明申请

US20220108196A1 IMPROVED COMPUTER-IMPLEMENTED EVENT FORECASTING AND INFORMATION PROVISION 有权
公开(公告)号：US20220108196A1
公开(公告)日：2022-04-07
申请号：US17426426
申请日：2020-02-21
申请人： KBC GROEP NV
发明人： Barry HAYCOCK , Floyd JACKSON
IPC分类号： G06N7/00 , G06K9/62 , G06N5/04
摘要： A computer-implemented method, a computer system and a computer program product for event forecasting and information provision are disclosed. For each entity of a group of entities one or more events are obtained, wherein each event is associated with a category of a set of categories. A model category subset of the set of categories, and a target category subset based on the model category subset, are determined. For entities for which for each category of the target category subset an event has been obtained, a sequence of categories of the model category subset is determined, and corresponding probabilities are calculated. For a target entity, a target sequence of categories of the model category subset is determined based on the events obtained for the target entity. A target category is determined based on the target sequence and the calculated probabilities. Information is provided based on the target entity and the determined target category.

9. 发明申请

US20210390608A1 IMPROVED SYSTEM-USER INTERACTION RELATING TO ADVICE 有权
公开(公告)号：US20210390608A1
公开(公告)日：2021-12-16
申请号：US17287010
申请日：2019-10-25
申请人： KBC GROEP NV
发明人： Bart VAN ROMPAYE , Mehment Ali ABDULHAYOGLU , Georgia ALEVIZOPOULOU , Krina MENOUNOU , Geert HUYGHE , Siegfried TOP , Peter SEYS , Kristina DUDEJOVA , Bart VRELUST
IPC分类号： G06Q30/06 , G06Q30/02 , G06Q40/06
摘要： The current invention concerns an improved system-user interaction relating to advice, specifically an allocation proposition which assigns certain values to a plurality of physical and optionally virtual entities.

10. 发明申请

US20210133880A1 System for Automated Investment Advice and Execution 有权
公开(公告)号：US20210133880A1
公开(公告)日：2021-05-06
申请号：US16639581
申请日：2018-08-17
申请人： KBC Groep NV
发明人： Bart Van Rompaye , Dimitar Yaprakov , Ine Marquet , Jan De Spiegeleer , Stefaan Roegiers , Barak Chizi
IPC分类号： G06Q40/06 , G06Q10/10
摘要： The current invention relates to a computing system for automated investment advice with at least one computer-readable medium comprising a database. The database comprises investment-related data such as instrument knowledge data relating to historical performance of a plurality of financial instruments and client knowledge data relating to client risk that includes a plurality of pre-defined risk categories. The computing system is configured to carry out a method for calculating a risk-adhering portfolio. The method includes calculating the risk-adhering portfolio comprising a selection of at least one of the plurality of financial instruments. The calculating relates to maximizing an expected value of a portfolio return and/or minimizing an expected risk while adhering to the assigned risk category by comparing a value relating to the risk-adhering portfolio to the at least one pre-defined risk parameter value.

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