GenAI Fraud Detection and Prevention System - Patent Application US20260099844A1
Summary
The USPTO published patent application US20260099844A1 for a Generative AI system designed to detect and prevent fraud during electronic customer onboarding. The system analyzes entity personas to approve or deny onboarding requests. The patent covers methods for auto-preventing fraudulent electronic onboarding by malicious entities purporting to be new customers. Filing date was October 7, 2024, with Application No. 18907659.
What changed
The USPTO published patent application US20260099844A1 describing a Generative AI fraud detection and prevention system for electronic customer onboarding. The system receives onboarding requests, retrieves entity personas containing historical relationship data, and uses a GenAI model to analyze and approve or deny the requests based on fraud risk assessment. The CPC classification G06Q 20/4016 indicates financial transaction security applications.
The patent has implications for financial institutions, fintech companies, and technology firms involved in electronic onboarding and identity verification. Entities developing or implementing AI-based fraud detection systems for financial services onboarding should monitor this application for potential licensing considerations or competitive landscape awareness. Patent protection, if granted, would give the inventors exclusive rights to the described GenAI fraud detection methodology.
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Archived snapshot
Apr 11, 2026GovPing captured this document from the original source. If the source has since changed or been removed, this is the text as it existed at that time.
GENERATIVE ARTIFICIAL INTELLIGENCE ("GenAI") FRAUD DETECTION AND PREVENTION SYSTEM
Application US20260099844A1 Kind: A1 Apr 09, 2026
Inventors
Dasari Samyuktha, Sasikumar Purushothaman, Manu Kurian
Abstract
A method for using a GenAI auto prevention and detection system to auto-prevent fraudulent electronic onboarding of a malicious entity purporting to be a new customer is provided. Methods may include receiving an onboarding request from an entity. Methods may also include retrieving the entity's persona. The entity's persona may store data relating to the entity. The entity's persona may be updated each time the entity is involved in a relationship with an institution. The entity's persona may include details relating to the relationship between the entity and the institution. Based on a GenAI model's analysis of the entity's persona, approving or denying the onboarding request.
CPC Classifications
G06Q 20/4016
Filing Date
2024-10-07
Application No.
18907659
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