公开(公告)号：US08121920B2

公开(公告)日：2012-02-21

申请号：US12538721

申请日：2009-08-10

申请人： Yuansong Liao ,  Jacob Spoelstra ,  James C Baker

发明人： Yuansong Liao ,  Jacob Spoelstra ,  James C Baker

IPC分类号： G06Q40/00

CPC分类号： G06Q40/00 ,  G06Q20/10 ,  G06Q20/108 ,  G06Q20/40 ,  G06Q40/025

摘要： Embodiments include systems and methods of detecting fraud. In particular, one embodiment includes a system and method of detecting fraud in mortgage applications. For example, one embodiment includes a computerized method of detecting fraud that includes receiving mortgage data associated with an applicant and at least one entity related to processing of the mortgage data, determining a first score for the mortgage data based at least partly on a first model that is based on data from a plurality of historical mortgage transactions associated with the entity, and generating data indicative of fraud based at least partly on the first score. Other embodiments include systems and method of generating models for use in fraud detection systems.

摘要翻译： 实施例包括检测欺诈的系统和方法。 特别地，一个实施例包括检测按揭申请中的欺诈的系统和方法。 例如，一个实施例包括检测欺诈的计算机化方法，包括接收与申请人相关联的抵押数据以及至少一个与抵押贷款数据的处理有关的实体，至少部分地基于第一模型确定抵押数据的第一分数 其基于来自与该实体相关联的多个历史抵押交易的数据，并且至少部分地基于第一分数生成指示欺诈的数据。 其他实施例包括用于在欺诈检测系统中使用的模型的系统和方法。

公开(公告)号：US08065234B2

公开(公告)日：2011-11-22

申请号：US13162517

申请日：2011-06-16

申请人： Yuansong Liao ,  Rui Yan

发明人： Yuansong Liao ,  Rui Yan

IPC分类号： G06Q40/00

CPC分类号： G06Q40/00 ,  G06Q20/10 ,  G06Q20/40 ,  G06Q40/02 ,  G06Q40/025

摘要： Disclosed herein are methods and systems for detecting a risk of payment default. In various embodiments, the systems/methods receive mortgage data associated with a mortgage application of an applicant, generate one or more models based on data related to historical mortgage transactions and determine a payment default risk score based at least partly on the one or more generated models, the mortgage data associated with the mortgage application, and the credit data related to the applicant. In another embodiment, a system is disclosed for selecting mortgage applications for further fraud evaluation based on the determined risks of early payment default associated with the mortgage applications and performing the fraud evaluation on those selected mortgage applications.

摘要翻译： 这里公开了用于检测支付违约风险的方法和系统。 在各种实施例中，系统/方法接收与申请人的抵押申请相关联的抵押数据，基于与历史抵押交易相关的数据生成一个或多个模型，并且至少部分地基于一个或多个生成的 模型，与抵押申请相关的抵押贷款数据，以及与申请人有关的信用数据。 在另一个实施例中，公开了一种系统，用于基于与抵押贷款申请相关联的早期支付违约的风险来选择抵押贷款申请以进一步进行欺诈评估，并对所选择的抵押贷款申请进行欺诈评估。

公开(公告)号：US20110251945A1

公开(公告)日：2011-10-13

申请号：US13162517

申请日：2011-06-16

申请人： Yuansong Liao ,  Rui Yan

发明人： Yuansong Liao ,  Rui Yan

IPC分类号： G06Q40/00

CPC分类号： G06Q40/00 ,  G06Q20/10 ,  G06Q20/40 ,  G06Q40/02 ,  G06Q40/025

摘要： Disclosed herein are methods and systems for detecting a risk of payment default. In various embodiments, the systems/methods receive mortgage data associated with a mortgage application of an applicant, generate one or more models based on data related to historical mortgage transactions and determine a payment default risk score based at least partly on the one or more generated models, the mortgage data associated with the mortgage application, and the credit data related to the applicant. In another embodiment, a system is disclosed for selecting mortgage applications for further fraud evaluation based on the determined risks of early payment default associated with the mortgage applications and performing the fraud evaluation on those selected mortgage applications.

摘要翻译： 这里公开了用于检测支付违约风险的方法和系统。 在各种实施例中，系统/方法接收与申请人的抵押申请相关联的抵押数据，基于与历史抵押交易相关的数据生成一个或多个模型，并且至少部分地基于一个或多个生成的 模型，与抵押申请相关的抵押贷款数据，以及与申请人有关的信用数据。 在另一个实施例中，公开了一种系统，用于基于与抵押贷款申请相关联的早期支付违约的风险来选择抵押贷款申请以进一步进行欺诈评估，并对所选择的抵押贷款申请进行欺诈评估。

公开(公告)号：US20070106582A1

公开(公告)日：2007-05-10

申请号：US11543271

申请日：2006-10-03

申请人： James Baker ,  Jacob Spoelstra ,  Yuansong Liao

发明人： James Baker ,  Jacob Spoelstra ,  Yuansong Liao

IPC分类号： G06Q40/00

CPC分类号： G06Q40/00 ,  G06Q10/067 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/108 ,  G06Q20/40 ,  G06Q20/4016 ,  G06Q20/403 ,  G06Q30/0185 ,  G06Q30/06 ,  G06Q40/025 ,  G06Q40/08 ,  G06Q40/12

摘要： Embodiments include systems and methods of detecting fraud. In particular, one embodiment includes a system and method of detecting fraud in transaction data such as payment card transaction data. For example, one embodiment includes a computerized method of detecting that comprises receiving data associated with a financial transaction and at least one transacting entity, wherein the data associated with the transacting entity comprises at least a portion of each of a plurality of historical transactions of the transacting entity, applying the data to at least one first model, generating a score based on the first model, and generating data indicative of fraud based at least partly on the score. Other embodiments include systems and methods of generating models for use in fraud detection systems.

摘要翻译： 实施例包括检测欺诈的系统和方法。 特别地，一个实施例包括检测诸如支付卡交易数据的交易数据中的欺诈的系统和方法。 例如，一个实施例包括检测的计算机化方法，包括接收与金融交易相关联的数据和至少一个交易实体，其中与交易实体相关联的数据包括多个历史交易中的每一个的至少一部分 交易实体，将数据应用于至少一个第一模型，基于第一模型生成分数，以及至少部分地基于分数生成指示欺诈的数据。 其他实施例包括用于在欺诈检测系统中使用的模型的系统和方法。

公开(公告)号：US20100145836A1

公开(公告)日：2010-06-10

申请号：US12710228

申请日：2010-02-22

申请人： James C. Baker ,  Jacob Spoelstra ,  Yuansong Liao

发明人： James C. Baker ,  Jacob Spoelstra ,  Yuansong Liao

IPC分类号： G06Q10/00 ,  G06Q40/00 ,  G06Q20/00 ,  G06N5/02 ,  G06N3/02 ,  G06N7/02

CPC分类号： G06Q40/00 ,  G06Q10/067 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/108 ,  G06Q20/40 ,  G06Q20/4016 ,  G06Q20/403 ,  G06Q30/0185 ,  G06Q30/06 ,  G06Q40/025 ,  G06Q40/08 ,  G06Q40/12

摘要： Embodiments include systems and methods of detecting fraud. In particular, one embodiment includes a system and method of detecting fraud in transaction data such as payment card transaction data. For example, one embodiment includes a computerized method of detecting that comprises receiving data associated with a financial transaction and at least one transacting entity, wherein the data associated with the transacting entity comprises at least a portion of each of a plurality of historical transactions of the transacting entity, applying the data to at least one first model, generating a score based on the first model, and generating data indicative of fraud based at least partly on the score. Other embodiments include systems and methods of generating models for use in fraud detection systems.

摘要翻译： 实施例包括检测欺诈的系统和方法。 特别地，一个实施例包括检测诸如支付卡交易数据的交易数据中的欺诈的系统和方法。 例如，一个实施例包括检测的计算机化方法，包括接收与金融交易相关联的数据和至少一个交易实体，其中与交易实体相关联的数据包括多个历史交易中的每一个的至少一部分 交易实体，将数据应用于至少一个第一模型，基于第一模型生成分数，以及至少部分地基于分数生成指示欺诈的数据。 其他实施例包括用于在欺诈检测系统中使用的模型的系统和方法。

公开(公告)号：US20070226129A1

公开(公告)日：2007-09-27

申请号：US11526208

申请日：2006-09-22

申请人： Yuansong Liao ,  Jacob Spoelstra ,  James C. Baker

发明人： Yuansong Liao ,  Jacob Spoelstra ,  James C. Baker

IPC分类号： G06Q40/00

CPC分类号： G06Q40/00 ,  G06Q20/10 ,  G06Q20/108 ,  G06Q20/40 ,  G06Q40/025

摘要： Embodiments include systems and methods of detecting fraud. In particular, one embodiment includes a system and method of detecting fraud in mortgage applications. For example, one embodiment includes a computerized method of detecting fraud that includes receiving mortgage data associated with an applicant and at least one entity related to processing of the mortgage data, determining a first score for the mortgage data based at least partly on a first model that is based on data from a plurality of historical mortgage transactions associated with the entity, and generating data indicative of fraud based at least partly on the first score. Other embodiments include systems and method of generating models for use in fraud detection systems.

摘要翻译： 实施例包括检测欺诈的系统和方法。 特别地，一个实施例包括检测按揭申请中的欺诈的系统和方法。 例如，一个实施例包括检测欺诈的计算机化方法，包括接收与申请人相关联的抵押数据以及至少一个与抵押贷款数据的处理有关的实体，至少部分地基于第一模型确定抵押数据的第一分数 其基于来自与该实体相关联的多个历史抵押交易的数据，并且至少部分地基于第一分数生成指示欺诈的数据。 其他实施例包括用于在欺诈检测系统中使用的模型的系统和方法。

公开(公告)号：US07966256B2

公开(公告)日：2011-06-21

申请号：US12246407

申请日：2008-10-06

申请人： Yuansong Liao ,  Rui Yan

发明人： Yuansong Liao ,  Rui Yan

IPC分类号： G06Q40/00

CPC分类号： G06Q40/00 ,  G06Q20/10 ,  G06Q20/40 ,  G06Q40/02 ,  G06Q40/025

摘要： A method for detecting a risk of payment default comprises receiving mortgage data associated with a mortgage application, the mortgage application associated with an applicant, determining a first score for the mortgage data based at least partly on one or more models that are based on data from a plurality of historical mortgage transactions and based on historical credit information related to the applicant, and generating data indicative of a risk of payment default based at least partly on the first score.

摘要翻译： 用于检测支付违约风险的方法包括接收与抵押申请相关联的抵押数据，与申请人相关联的抵押申请，至少部分地基于一个或多个模型确定抵押贷款数据的第一分数，该模型基于来自 多个历史抵押交易，并且基于与申请人相关的历史信用信息，并且至少部分地基于第一分数生成指示支付违约风险的数据。

公开(公告)号：US07668769B2

公开(公告)日：2010-02-23

申请号：US11543271

申请日：2006-10-03

申请人： James C. Baker ,  Jacob Spoelstra ,  Yuansong Liao

发明人： James C. Baker ,  Jacob Spoelstra ,  Yuansong Liao

IPC分类号： G06Q30/00

CPC分类号： G06Q40/00 ,  G06Q10/067 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/108 ,  G06Q20/40 ,  G06Q20/4016 ,  G06Q20/403 ,  G06Q30/0185 ,  G06Q30/06 ,  G06Q40/025 ,  G06Q40/08 ,  G06Q40/12

摘要： Embodiments include systems and methods of detecting fraud. In particular, one embodiment includes a system and method of detecting fraud in transaction data such as payment card transaction data. For example, one embodiment includes a computerized method of detecting that comprises receiving data associated with a financial transaction and at least one transacting entity, wherein the data associated with the transacting entity comprises at least a portion of each of a plurality of historical transactions of the transacting entity, applying the data to at least one first model, generating a score based on the first model, and generating data indicative of fraud based at least partly on the score. Other embodiments include systems and methods of generating models for use in fraud detection systems.

摘要翻译： 实施例包括检测欺诈的系统和方法。 特别地，一个实施例包括检测诸如支付卡交易数据的交易数据中的欺诈的系统和方法。 例如，一个实施例包括检测的计算机化方法，包括接收与金融交易相关联的数据和至少一个交易实体，其中与交易实体相关联的数据包括多个历史交易中的每一个的至少一部分 交易实体，将数据应用于至少一个第一模型，基于第一模型生成分数，以及至少部分地基于分数生成指示欺诈的数据。 其他实施例包括用于在欺诈检测系统中使用的模型的系统和方法。

公开(公告)号：US20100042454A1

公开(公告)日：2010-02-18

申请号：US12538721

申请日：2009-08-10

申请人： Yuansong Liao ,  Jacob Spoelstra ,  James C. Baker

发明人： Yuansong Liao ,  Jacob Spoelstra ,  James C. Baker

IPC分类号： G06Q40/00 ,  G06Q10/00

CPC分类号： G06Q40/00 ,  G06Q20/10 ,  G06Q20/108 ,  G06Q20/40 ,  G06Q40/025

摘要： Embodiments include systems and methods of detecting fraud. In particular, one embodiment includes a system and method of detecting fraud in mortgage applications. For example, one embodiment includes a computerized method of detecting fraud that includes receiving mortgage data associated with an applicant and at least one entity related to processing of the mortgage data, determining a first score for the mortgage data based at least partly on a first model that is based on data from a plurality of historical mortgage transactions associated with the entity, and generating data indicative of fraud based at least partly on the first score. Other embodiments include systems and method of generating models for use in fraud detection systems.

摘要翻译： 实施例包括检测欺诈的系统和方法。 特别地，一个实施例包括检测按揭申请中的欺诈的系统和方法。 例如，一个实施例包括检测欺诈的计算机化方法，包括接收与申请人相关联的抵押数据以及至少一个与抵押贷款数据的处理有关的实体，至少部分地基于第一模型确定抵押数据的第一分数 其基于来自与该实体相关联的多个历史抵押交易的数据，并且至少部分地基于第一分数生成指示欺诈的数据。 其他实施例包括用于在欺诈检测系统中使用的模型的系统和方法。

公开(公告)号：US07587348B2

公开(公告)日：2009-09-08

申请号：US11526208

申请日：2006-09-22

申请人： Yuansong Liao ,  Jacob Spoelstra ,  James C. Baker

发明人： Yuansong Liao ,  Jacob Spoelstra ,  James C. Baker

IPC分类号： G06Q30/00

CPC分类号： G06Q40/00 ,  G06Q20/10 ,  G06Q20/108 ,  G06Q20/40 ,  G06Q40/025

摘要： Embodiments include systems and methods of detecting fraud. In particular, one embodiment includes a system and method of detecting fraud in mortgage applications. For example, one embodiment includes a computerized method of detecting fraud that includes receiving mortgage data associated with an applicant and at least one entity related to processing of the mortgage data, determining a first score for the mortgage data based at least partly on a first model that is based on data from a plurality of historical mortgage transactions associated with the entity, and generating data indicative of fraud based at least partly on the first score. Other embodiments include systems and method of generating models for use in fraud detection systems.

摘要翻译： 实施例包括检测欺诈的系统和方法。 特别地，一个实施例包括检测按揭申请中的欺诈的系统和方法。 例如，一个实施例包括检测欺诈的计算机化方法，包括接收与申请人相关联的抵押数据以及至少一个与抵押贷款数据的处理有关的实体，至少部分地基于第一模型确定抵押数据的第一分数 其基于来自与该实体相关联的多个历史抵押交易的数据，并且至少部分地基于第一分数生成指示欺诈的数据。 其他实施例包括用于在欺诈检测系统中使用的模型的系统和方法。