公开(公告)号：US08027947B2

公开(公告)日：2011-09-27

申请号：US11871812

申请日：2007-10-12

申请人： Kyle Randolph Hinsz ,  Frank Wall Elliott, Jr. ,  Joseph Philip Milana

发明人： Kyle Randolph Hinsz ,  Frank Wall Elliott, Jr. ,  Joseph Philip Milana

IPC分类号： G06F9/44 ,  G06N7/02 ,  G06N7/06

CPC分类号： G06Q10/10

摘要： A first set of variables is introduced into a data transaction scoring system. The first set of variables having a maturity level less than a second set of variables previously matured on the data transaction scoring system. The maturity level corresponding to an amount of exposure to the data transaction scoring system. The amount of exposure affecting a degree of precision for the data transaction scoring system. The first set of variables are introduced by expanding a data transaction profile for the data transaction scoring system including second set of variables to further include the first set of variables. Initial values are assigned for the first set of variables based on a statistical model. After such an assignment, scoring of data transactions using the expanded data transaction profile prior to maturing the data transaction system using the first set of variables can be initiated. Related apparatus, systems, techniques, and articles are also described.

摘要翻译： 将第一组变量引入到数据事务评分系统中。 第一组变量的成熟度级别小于先前在数据事务评分系统上成熟的第二组变量。 成熟度水平对应于暴露于数据交易记分系统的数量。 影响数据交易评分系统精度的曝光量。 通过扩展包括第二组变量的数据交易记分系统的数据交易简档来进一步包括第一组变量来引入第一组变量。 基于统计模型为第一组变量分配初始值。 在这样的分配之后，可以启动在使用第一组变量熟化数据交易系统之前使用扩展数据交易简档对数据交易进行评分。 还描述了相关设备，系统，技术和物品。

公开(公告)号：US07953695B2

公开(公告)日：2011-05-31

申请号：US11553424

申请日：2006-10-26

申请人： Keith Roller ,  William Johnson ,  Patrick I. Handerhan

发明人： Keith Roller ,  William Johnson ,  Patrick I. Handerhan

IPC分类号： G06F17/00

CPC分类号： G06F17/30592 ,  Y10S707/99931 ,  Y10S707/99945

摘要： Disclosed is a data collection and analysis system that is capable of extracting data from various disparate sources, i.e., contact channels, storing the data and analyzing the data to show trends in the business operation. The data is stored in a data model that uses a star schema approach to providing a unified data source. Analyzed data can be made available to users on a nearly real time basis that allows the users to view trends in business operation and plan accordingly.

摘要翻译： 公开了一种数据收集和分析系统，其能够从各种不同的来源（即，联系信道）提取数据，存储数据并分析数据以显示业务操作的趋势。 数据存储在使用星型模式方法提供统一数据源的数据模型中。 分析数据可以几乎实时地提供给用户，允许用户查看业务运营趋势并进行相应的计划。

公开(公告)号：US07945515B2

公开(公告)日：2011-05-17

申请号：US12838303

申请日：2010-07-16

申请人： Scott M. Zoldi ,  Liang Wang ,  Li Sun ,  Steven G. Wu

发明人： Scott M. Zoldi ,  Liang Wang ,  Li Sun ,  Steven G. Wu

IPC分类号： G06Q40/00

CPC分类号： G06Q20/04 ,  G06Q20/10 ,  G06Q20/40 ,  G06Q20/4016 ,  G06Q30/06 ,  G06Q40/00 ,  G06Q40/02 ,  G06Q40/06

摘要： A system and method for managing mass compromise of financial transaction devices is disclosed. A method includes maintaining a summary of a transaction history for a financial transaction device, and forming a device history profile based on the transaction history, the device history profile including predictive variables indicative of fraud associated with the financial transaction device. A method further includes generating a fraud score based on the predictive variables, the fraud score representing a likelihood that the financial transaction device is compromised will be used fraudulently.

摘要翻译： 公开了一种用于管理金融交易设备的大规模妥协的系统和方法。 一种方法包括维护金融交易设备的交易历史的摘要，以及基于交易历史形成设备历史简档，设备历史简档包括指示与金融交易设备相关联的欺诈的预测变量。 一种方法还包括基于预测变量产生欺诈分数，欺诈分数表示金融交易设备被破坏的可能性将被欺诈地使用。

公开(公告)号：US07930196B2

公开(公告)日：2011-04-19

申请号：US10474219

申请日：2002-04-10

申请人： Robert M. Fung ,  Stuart Crawford

发明人： Robert M. Fung ,  Stuart Crawford

IPC分类号： G06F9/44 ,  G06F17/50

CPC分类号： G06Q10/04 ,  G06Q10/0637 ,  G06Q10/06375 ,  G06Q10/10

摘要： The invention provides an overall architecture for optimal strategy design using both historical data and human expertise. The presently preferred architecture supports the tasks of strategy design and strategy analysis, and provides extensions to influence diagrams, translation of an influence diagram as a nonlinear optimization problem, and use of induction after optimization to derive decision rules.

摘要翻译： 本发明提供使用历史数据和人类专长的最佳策略设计的整体架构。 目前优选的架构支持战略设计和策略分析的任务，并提供影响图的扩展，影响图的翻译作为非线性优化问题，以及优化后使用归纳导出决策规则。

公开(公告)号：US07813944B1

公开(公告)日：2010-10-12

申请号：US09373926

申请日：1999-08-12

申请人： Ho Ming Luk ,  Pamela E. Coates ,  Arati S. Deo ,  Sean M. Downs ,  Benjamin A. Friesen ,  Craig A. Nies ,  Anu K. Pathria

发明人： Ho Ming Luk ,  Pamela E. Coates ,  Arati S. Deo ,  Sean M. Downs ,  Benjamin A. Friesen ,  Craig A. Nies ,  Anu K. Pathria

IPC分类号： G06Q40/00 ,  G06Q10/00 ,  G06F19/00

CPC分类号： G06Q40/08 ,  G06F19/00 ,  G06Q50/22 ,  G06Q50/24

摘要： Detection of insurance premium fraud is provided by a predictive model, which uses derived variables to assess the likelihood of fraud for each policy. The predictive model produces a score, which is a measure of the likelihood of premium fraud or abuse. The predictive model is included in a system that accepts policies to be considered for scoring, selects which policies are appropriate for scoring, stores data about the policies in a database, uses the data to derive variables for the model, and processes and outputs the model scores and related information. A rule-based analysis, which detects specific inconsistencies in the data that are indicative of premium fraud, may also be part of the system. The model scores and red-flag indicators from the rule-based analysis may be further processed to provide customized output for users.

摘要翻译： 保险费欺诈的检测由预测模型提供，预测模型使用派生变量来评估每项政策的欺诈可能性。 预测模型产生一个分数，这是对高级欺诈或滥用的可能性的度量。 预测模型包含在接受考虑评估的策略的系统中，选择适合评分的策略，将有关策略的数据存储在数据库中，使用数据来导出模型的变量，以及处理和输出模型 分数和相关信息。 基于规则的分析，可以检测数据中特定不一致的表示溢价欺诈，也可能是系统的一部分。 可以进一步处理来自基于规则的分析的模型分数和红旗指标，以为用户提供定制输出。

公开(公告)号：US07801843B2

公开(公告)日：2010-09-21

申请号：US11327822

申请日：2006-01-06

申请人： Shailesh Kumar ,  Edmond D. Chow ,  Michinari Momma

发明人： Shailesh Kumar ,  Edmond D. Chow ,  Michinari Momma

IPC分类号： G06F15/18 ,  G06F17/00 ,  G06N5/04

CPC分类号： G06Q30/06 ,  G06Q10/04 ,  G06Q10/06 ,  G06Q30/02 ,  G06Q30/0201 ,  G06Q30/0202 ,  G06Q30/0204 ,  G06Q30/0224 ,  G06Q30/0605

摘要： The invention, referred to herein as PeaCoCk, uses a unique blend of technologies from statistics, information theory, and graph theory to quantify and discover patterns in relationships between entities, such as products and customers, as evidenced by purchase behavior. In contrast to traditional purchase-frequency based market basket analysis techniques, such as association rules which mostly generate obvious and spurious associations, PeaCoCk employs information-theoretic notions of consistency and similarity, which allows robust statistical analysis of the true, statistically significant, and logical associations between products. Therefore, PeaCoCk lends itself to reliable, robust predictive analytics based on purchase-behavior.

摘要翻译： 本发明在本文中称为PeaCoCk，使用来自统计学，信息理论和图形理论的独特技术融合来量化和发现实体之间的关系中的模式，例如产品和客户，如购买行为所证明的。 与传统的基于购买频率的市场篮子分析技术（如大多数产生明显和虚假关联的关联规则）相反，PeaCoCk采用信息理论的一致性和相似性概念，这使得对真实的，统计上显着的和合乎逻辑的逻辑分析 产品之间的关联。 因此，PeaCoCk可以根据购买行为进行可靠，强大的预测分析。

公开(公告)号：US07689526B2

公开(公告)日：2010-03-30

申请号：US11698608

申请日：2007-01-25

申请人： John Byrnes ,  Richard Rohwer

发明人： John Byrnes ,  Richard Rohwer

IPC分类号： G06F17/00 ,  G06N5/00

CPC分类号： G06N5/02 ,  G06N5/04

摘要： A knowledge base is first characterized by an association-grounded semantics collapsed language. In response to the receipt of a query of the knowledge base, the collapsed language is used to determine whether there is an indication that the knowledge base contains knowledge requested in the query. Thereafter, the collapsed language can be used to carry out a full search for the knowledge much more efficiently than would otherwise be possible. Related methods, apparatus, and articles are also described.

摘要翻译： 知识库的第一个特征是关联接地语义折叠语言。 响应于接收到知识库的查询，使用折叠语言来确定是否存在知识库包含查询中请求的知识的指示。 此后，折叠的语言可以比以其他方式更有效地进行全面搜索。 还描述了相关方法，装置和制品。

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。

公开(公告)号：US20090063389A1

公开(公告)日：2009-03-05

申请号：US12201555

申请日：2008-08-29

申请人： Stuart L. Crawford ,  Michael Steele ,  Navin Doshi ,  Sergei Tolmanov ,  Kashy Ap Rao Kolipaka ,  Gaurav Chhaparwal

发明人： Stuart L. Crawford ,  Michael Steele ,  Navin Doshi ,  Sergei Tolmanov ,  Kashy Ap Rao Kolipaka ,  Gaurav Chhaparwal

IPC分类号： G06N7/00 ,  G06F17/00

CPC分类号： G06N7/00

摘要： A request to compare strategies is received. The first strategy can be graphically represented by a first set of linked nodes arranged in a first form of decision logic. The second strategy can be graphically represented by a second set of linked nodes arranged in a second form of decision logic. The first set of linked nodes can be converted to a first modified set of linked nodes arranged in a third form of decision logic. The second set of linked nodes can be converted to a second modified set of linked nodes arranged in the third form of decision logic. A visual representation of the first modified set of linked nodes and the second modified set of linked nodes can be provided to a user. Related apparatus, techniques, and articles are also described.

摘要翻译： 收到比较策略的请求。 第一策略可以由以第一种形式的决策逻辑排列的第一组链接节点图形化地表示。 第二策略可以以第二种决策逻辑形式排列的第二组链接节点图形化地表示。 可以将第一组链接节点转换成以第三种形式的决策逻辑排列的第一修改的链接节点集合。 可以将第二组链接节点转换为以第三种形式的决策逻辑排列的第二修改的链接节点集合。 可以向用户提供第一修改的链接节点集合和第二修改的链接节点组的可视表示。 还描述了相关装置，技术和制品。

公开(公告)号：US07376603B1

公开(公告)日：2008-05-20

申请号：US09135654

申请日：1998-08-18

申请人： Mona Mayr ,  Darcy Walker ,  Yinghua Lin ,  Guowei Wu ,  Stephen V. Coggeshall

发明人： Mona Mayr ,  Darcy Walker ,  Yinghua Lin ,  Guowei Wu ,  Stephen V. Coggeshall

IPC分类号： G06Q40/00

CPC分类号： G06Q30/02 ,  G06Q30/0202 ,  G06Q30/0204 ,  G06Q40/00

摘要： A computerized method and system for evaluating customers of a financial institution using customer relationship value tags and associated customer treatment actions includes automatically analyzing information about a customer from a database of the financial institution by a customer assessment engine using a predefined statistical model to assess the value of the customer to the financial institution. At least one customer treatment action associated with the assessed value is identified by the assessment engine, and the assessment engine marks a file associated with the customer with a mark representing the assessed value and the associated customer treatment action. The marked file is then accessed by other financial systems of the financial institution, or by customer representatives of the financial institution, and the associated customer treatment action is implemented by such systems or representatives in dealing with the customer.

摘要翻译： 使用客户关系价值标签和相关的客户处理动作来评估金融机构的客户的计算机化方法和系统包括使用预定义的统计模型从客户评估引擎自动分析来自金融机构的数据库的关于客户的信息，以评估价值 的客户到金融机构。 与评估值相关联的至少一个客户处理动作由评估引擎识别，评估引擎用与表示评估值的标记和相关联的客户处理动作标记与客户相关联的文件。 标记文件随后由金融机构的其他金融系统或金融机构的客户代表进行访问，相关的客户处理行动由这些系统或代表在处理客户时实施。