GUI Rendering Engine Front-Loads ML Fraud Detection

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Solution Overview

Problem

Machine learning processing delays during computation and classification can impact user experience and lead to incomplete determinations, especially in complex models with high dimensionality.

Innovation Solution

A machine learning approach combined with a specially configured graphical user interface rendering engine that front-loads machine learning processing by invoking it during intermediate user interface inputs, rather than at final confirmation, to obtain additional processing time.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Measurement precision

If machine learning validation is conducted at final transaction confirmation state, then classification accuracy can be improved, but user experience delay increases

Engineering Contradiction:
Improveclassification accuracyVSAvoiduser experience delay
Core Design Contradiction:
Measurement precisionVSLoss of time

Solution Approach 1:

The system performs machine learning classification computations in advance during intermediate user interface states rather than waiting until final confirmation. The rendering engine invokes machine learning processing during intermediate inputs, allowing the model to converge towards target classification earlier in the user journey, thus reducing delay at final confirmation while maintaining accuracy.

Inventive Principle:
Principle #10Preliminary action

2Measurement precision

If complex machine learning models with high dimensionality are used, then classification accuracy is improved, but processing time increases

Engineering Contradiction:
Improveclassification accuracyVSAvoidprocessing time
Core Design Contradiction:
Measurement precisionVSLoss of time

Solution Approach 1:

Complex machine learning models are invoked during intermediate user interface states to perform classification computations in advance. This preliminary action allows sufficient processing time for complex models to converge towards accurate classifications without impacting final user experience, as the computation occurs during the user's traversal through intermediate steps.

Inventive Principle:
Principle #10Preliminary action

Solution Approach 2:

The system dynamically adjusts the timing and depth of machine learning processing based on user interaction pace. As users traverse through user interface screens at different speeds, the system opportunistically recruits additional machine learning instances for deeper checking against additional databases when more time is available, optimizing the balance between model complexity and processing time.

Inventive Principle:
Principle #15Dynamics

3Measurement precision

If additional verification levels are conducted, then fraud detection accuracy is improved, but processing time increases

Engineering Contradiction:
Improvefraud detection accuracyVSAvoidprocessing time
Core Design Contradiction:
Measurement precisionVSLoss of time

Solution Approach 1:

The system dynamically adjusts verification depth based on available time during user traversal. Different machine learning instances can be recruited for additional or deeper checking against additional databases such as local instances for different jurisdictions, depending on how much time the user spends in intermediate states. This opportunistic approach allows deeper verification when time permits without mandating it for all users.

Inventive Principle:
Principle #15Dynamics

Data Source

PatentUS20250094186A1Systems and methods for graphical user interface machine learning-based fraud detection
Publication Date: 2025.03.20 HSBC GRP MANAGEMENT SERVICES LTD
  • US20250094186A1 patent drawing
  • US20250094186A1 patent drawing
  • US20250094186A1 patent drawing

AI summary

A specific machine learning approach in combination with a specially configured graphical user interface rendering engine is proposed wherein the rendering of a graphical user interface is operated in concert with machine learning to provide additional processing time for machine learning during intermediate user interface process flows. By front-loading the analysis computing process, the additional processing time whereby the user traverses a sequence of graphical user interface pages is utilized for background processing of the primary identifier using a subroutine running one or more trained machine learning models that are refining an fraud estimation score during the additional processing time. Variations are also proposed where different variations of opportunistic machine learning processing chains are inserted into a processing chain if additional processing time is available after processing using a main machine learning processing model is completed.