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.
A method for evaluating credit applications by incorporating location-based data signals — enabling more accurate, context-aware approval decisions beyond traditional credit scoring models.
A cooperative framework for detecting fraudulent activity by enabling secure, cross-institutional data sharing — identifying patterns that no single institution could detect alone.
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.
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.
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).