公开(公告)号：US20090307049A1

公开(公告)日：2009-12-10

申请号：US12133902

申请日：2008-06-05

申请人： Frank W. Elliott, JR. ,  Richard Rohwer ,  Stephen C. Jones ,  George J. Tucker ,  Christopher J. Kain ,  Craig N. Weidert

发明人： Frank W. Elliott, JR. ,  Richard Rohwer ,  Stephen C. Jones ,  George J. Tucker ,  Christopher J. Kain ,  Craig N. Weidert

IPC分类号： G06Q10/00 ,  G06Q30/00

CPC分类号： G06Q40/00 ,  G06Q30/0201 ,  G06Q30/0225

摘要： The subject matter of this specification can be embodied in, among other things, a method that includes accessing a data structure that includes information about purchasers, merchants, and financial transactions between the purchasers and the merchants and generating purchaser clusters. Generating purchaser clusters includes clustering the purchasers based on which purchasers make purchases from the same or similar merchants. Each purchaser cluster adopts associations between purchasers belonging to the purchase cluster and merchants from which these purchasers have made purchases. The method also includes generating merchant clusters, where generating the merchant clusters includes clustering merchants based on which merchants are associated with the same or similar purchase clusters and outputting profile information that characterizes typical purchases associated with one or more of the merchant clusters for use in detecting fraudulent transactions.

摘要翻译： 本说明书的主题可以包括一种方法，其包括访问包括购买者和商家之间的购买者，商家和金融交易的信息的数据结构，并且生成购买者集群。 生成购买者群集包括基于哪个购买者从相同或相似的商家进行购买来聚集购买者。 每个购买者群体都采用属于购买群的购买者和这些购买者购买的商家之间的协议。 该方法还包括生成商家群集，其中生成商家群集包括基于哪些商家与相同或相似购买群组相关联的聚类商家，并且输出表征与一个或多个商户群集相关联的典型购买以用于检测的典型购买 欺诈交易。