公开(公告)号：US20160307199A1

公开(公告)日：2016-10-20

申请号：US14962365

申请日：2015-12-08

Applicant: Samsung Electronics Co., Ltd.

Inventor： Kunal M. PATEL ,  Abraham J. KANG ,  Bulent KASMAN ,  Peng NING ,  Michael C. GRACE

IPC: G06Q20/40 ,  G06Q20/32

Abstract: A user device comprising: i) transmit path circuitry and receive path circuitry configured to communicate with a payment server; and ii) processing circuitry configured to control the transmit path circuitry and receive path circuitry. The processing circuitry is further configured to: a) receive a user input related to a payment process; b) calculate a risk score indicative of a likelihood of fraudulent activity associated with the payment process, wherein the risk score calculation is based on confidential information associated with the user that is stored on the user device; and c) transmit to the payment server a payment action and the risk score associated with the payment action without disclosing the confidential information. The confidential information comprises personally identifiable information and/or private information of the user. The processing circuitry calculates the risk score using a risk base model received from a model server.

Abstract translation: 一种用户设备，包括：i）发送路径电路和配置成与支付服务器进行通信的接收路径电路; 以及ii）被配置为控制所述发射路径电路和接收路径电路的处理电路。 处理电路还被配置为：a）接收与支付过程相关的用户输入; b）计算指示与所述支付过程相关联的欺诈活动的可能性的风险分数，其中所述风险分数计算基于与所述用户相关联的存储在所述用户设备上的机密信息; 以及c）向所述支付服务器发送支付操作和与所述支付操作相关联的所述风险分数而不公开所述机密信息。 机密信息包括用户的个人身份信息和/或私人信息。 处理电路使用从模型服务器接收的风险基础模型来计算风险分数。