Four U.S. Patents.

Co-invented across eight years of venture-stage product development at Fluid Innovation. These patents span data matching, fraud detection, geographic credit analysis, and intelligent offer automation — filed and prosecuted before AI became mainstream, in domains that are now core to modern fintech and data infrastructure.

Patents Through the Process

  • 4 Patents
  • 9 Total Filings
  • 2008–16 Filing Period

US10453129B2

Systems and Methods for Credit Approval Using Geographic Data

Geographic Intelligence Credit Systems Data Matching
A method for evaluating credit applications by incorporating location-based data signals — enabling more accurate, context-aware approval decisions beyond traditional credit scoring models.
Issued Oct 22, 2019 View Patent

US9311672B2

Systems and Methods for Fraud Detection Using a Cooperative Data Exchange

Fraud Detection Data Exchange Risk Intelligence
A cooperative framework for detecting fraudulent activity by enabling secure, cross-institutional data sharing — identifying patterns that no single institution could detect alone.
Issued Apr 12, 2016 View Patent

US20120215614A1

Systems and Methods for Automatically Providing Relevant Offers to Customers

Offer Automation Behavioral Matching Consumer Intelligence
An intelligent system for matching customers to relevant offers in real time — using behavioral and transactional signals to surface the right offer at the right moment without manual targeting.
Filed Aug 23, 2012 View Patent

US20120158500A1

Method and System for Matching Sellers with Buyers

Marketplace Intelligence Seller-Buyer Matching Workflow Automation
A method and system for intelligently connecting sellers with qualified buyers — applying data-driven matching logic to reduce friction and improve conversion across marketplace transactions.
Filed Dec 15, 2010 View Patent

Background

Built before it was a trend.

These patents were developed between 2008 and 2016 at Fluid Innovation, an angel-backed venture studio in Austin. The work spanned five distinct product ventures — each one exploring a different application of data intelligence in consumer finance, marketplaces, and IP commercialization.

The underlying themes — cooperative data exchange, behavioral matching, geographic intelligence, and automated workflow — were ahead of their time. The same concepts now power modern fraud platforms, recommendation engines, and fintech credit infrastructure.

Three of the ventures built on this IP work resulted in successful exits: IP Zone (acquired by American Express), idealAsset (acquired by Dominion Harbor), and Enlyton (integrated into IBM Watson partner solutions).

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