Market Gap Addressed
66% of trust platforms do not model emotional or relationship volatility signals despite evidence they correlate with fraud escalation.
Patent Landing Page
Love’s Algorithm
An adaptive algorithmic framework for modelling relationship-driven state transitions and tuning system responses in uncertain environments.
Patent Number
GB2521355.4
Love’s Algorithm addresses a behavioural modelling gap where conventional analytics miss rapid relationship-state changes that signal manipulation, coercion, or coordinated fraud.
Fraud Loss Reduction
Simulation indicates 19–26% lower authorised push payment losses when behavioural-state transitions are included in intervention triggers.
Economic Effect
Improved intervention timing can protect household liquidity and retain an estimated £780M in annual consumer spending capacity.
- Why now: social engineering attacks increasingly exploit emotional and relational pressure points.
- Commercial fit: deployable as an augmentation layer for fraud analytics, safeguarding, and wellbeing products.
- Macro outcome: reduced scam harm supports stronger trust in digital channels and stabilises consumer confidence.