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公开(公告)号：US20130218758A1
公开(公告)日：2013-08-22
申请号：US13770895
申请日：2013-02-19
IPC分类号： G06Q20/38
CPC分类号： G06Q20/382 , G06Q20/4016 , G06Q20/405 , G06Q40/02
摘要： Embodiments of the invention relate to methods, apparatuses, and systems for performing, creating, generating, and displaying transaction scorecards related to fraud evaluations of transactions. Methods may include determining if one or more preselected rules are triggered by transaction data associated with a transaction, determining a trigger score for each of the preselected rules, adding the trigger score for each of the preselected rules to a profile score, applying the profile score to at least one transaction decision rule, and displaying transaction evaluation results in a transaction scorecard. Additionally, some embodiments of the invention may combine a centralized multiple merchant fraud model provided by a merchant processor and a merchant customized model, to a produce a hybrid scorecard model. The respective scores of the multiple merchant fraud model and the merchant customized model may be weighted for further customization.
摘要翻译： 本发明的实施例涉及用于执行，创建，生成和显示与交易的欺诈评估相关的交易记分卡的方法，装置和系统。 方法可以包括确定一个或多个预先选择的规则是否由与交易相关联的交易数据触发，确定每个预先选择的规则的触发得分，将每个预选规则的触发得分添加到简档分数， 至少一个交易决策规则，以及在交易记分卡中显示交易评估结果。 此外，本发明的一些实施例可以组合由商家处理器提供的集中式多商家欺诈模型和商家定制模型，以产生混合记分卡模型。 可以对多商户欺诈模型和商家定制模型的各个分数进行加权以进一步定制。
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公开(公告)号：US20180204215A1
公开(公告)日：2018-07-19
申请号：US15408236
申请日：2017-01-17
申请人： Hung-Tzaw Hu , Haochuan Zhou , Ge Wen , Benjamin Scott Boding
发明人： Hung-Tzaw Hu , Haochuan Zhou , Ge Wen , Benjamin Scott Boding
CPC分类号： G06Q20/401 , G06F21/316 , G06F21/44 , G06Q20/4016 , G06Q20/405 , G07G3/00 , H04L63/08 , H04L63/1425
摘要： A data structure provides reliable data allowing a security application to detect potential instances of fraudulent use of a payment account. The data structure can be generated using data elements associated with transactions from new authentication requests in a transaction. Once the data structure is generated, clusters within the data structure can be associated with legitimate authentication requests or potentially fraudulent authentication requests. A baseline cluster can be identified from the data structure and used to determine whether the new incoming authentication requests are legitimate or potentially fraudulent.
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公开(公告)号：US20180152478A1
公开(公告)日：2018-05-31
申请号：US15365389
申请日：2016-11-30
申请人： Haochuan Zhou , Hung-Tzaw Hu , Rong Zhang , Benjamin Scott Boding
发明人： Haochuan Zhou , Hung-Tzaw Hu , Rong Zhang , Benjamin Scott Boding
IPC分类号： H04L29/06
CPC分类号： H04L63/20 , H04L63/0263 , H04L63/10
摘要： A resource security system may generate access rules for use in determining whether to grant or deny a request for access to a resource. In order to generate the access rules, the resource security system may select certain access request parameters and determine conditions associated with those parameters. The resource security system may generate mutually exclusive segments associated with a condition of each of the parameters. The resource security system may generate independent access rules based on the segments. The resource security system may then evaluate the performance of each of the access rules based on validity information corresponding to previously received access requests that satisfy the conditions of a particular access rule.
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公开(公告)号：US20170302702A1
公开(公告)日：2017-10-19
申请号：US15133134
申请日：2016-04-19
IPC分类号： H04L29/06
CPC分类号： H04L63/20 , G06F21/30 , G06F21/31 , G06F21/316 , G06F21/554 , H04L63/10 , H04L63/1408
摘要： Embodiments of the invention generally relate to methods and systems for operating authorization rules. An authorization rule has conditions that may be satisfied by an authorization request. A rule is rotated between the first mode and the second mode over a time interval wherein a first set of authorization requests are received. A first subset of the first set of authorization requests may not be rejected. After the first time interval, the authorization requests that were not rejected may be validated through an independent process. An accuracy rate for the rule is determined based on the portion of authorization requests that are valid and satisfied the conditions of the rule.
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公开(公告)号：US20190089726A1
公开(公告)日：2019-03-21
申请号：US16134875
申请日：2018-09-18
申请人： Haochuan Zhou , Hung-Tzaw Hu , Rong Zhang , Benjamin Scott Boding
发明人： Haochuan Zhou , Hung-Tzaw Hu , Rong Zhang , Benjamin Scott Boding
CPC分类号： H04L63/1425 , G06Q20/3224 , G06Q20/389 , G06Q20/401 , H04L63/107 , H04L63/108 , H04L63/205
摘要： In some embodiments, a resource security system may determine an access request outcome (e.g., accept, reject, or review) for an access request based on access rules. The resource security system may generate and select the access rules to be used for using stability information. For instance, the resource security system may select a training set from the received access requests, e.g., including recently received access requests, and generate a plurality of potential access rules based on the training set. The resource security system may determine and compare the detection performance and the stability performance of the potential access rules. The resource security system may select the best performing potential access rules to be used in operation for determining the outcome of access requests.
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6.发明申请公开(公告)号：US20130282578A1
公开(公告)日：2013-10-24
申请号：US13657640
申请日：2012-10-22
IPC分类号： G06Q20/40
CPC分类号： G06Q20/405 , G06Q20/40 , G06Q30/06
摘要： In an embodiment, a data processing method comprises obtaining a plurality of first transaction data items for a proposed online credit card purchase transaction that has been recommended for review; obtaining a plurality of second transaction data items for a set of similar past online credit card purchase transactions, wherein each member of the set has one or more transaction feature values that are similar to the transaction data items of the proposed online credit card purchase transaction, and a decision value specifying whether the member was accepted or rejected by a reviewer; obtaining a stored data model of features, feature values, transaction acceptance decisions and rejection decisions of the reviewer based at least in part on the set, determining, based on applying the first transaction data items to the stored data model and a subsequent query to the database among more recent transactions that were not included during model construction, a likelihood value of a particular decision of whether the proposed online credit card purchase transaction would be accepted or rejected by the reviewer of the merchant; causing the likelihood value to be displayed; wherein the method is performed by one or more computing devices.
摘要翻译： 在一个实施例中，一种数据处理方法包括获得建议进行审查的建议的在线信用卡购买交易的多个第一交易数据项; 获得用于一组类似的过去的在线信用卡购买交易的多个第二交易数据项，其中该组的每个成员具有与所提出的在线信用卡购买交易的交易数据项相似的一个或多个交易特征值， 以及指定该成员是否被审阅者接受或拒绝的决定值; 至少部分地基于所述集合来获得所述审查者的特征，特征值，事务接受判定和拒绝决定的存储数据模型，基于将所述第一事务数据项应用于所存储的数据模型和对所存储的数据模型的后续查询 在模型构建期间未包括的最近交易中的数据库，提出的在线信用卡购买交易是否将被商家审阅者接受或拒绝的特定决定的可能性值; 导致似然值被显示; 其中所述方法由一个或多个计算设备执行。
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公开(公告)号：US20180139225A1
公开(公告)日：2018-05-17
申请号：US15812334
申请日：2017-11-14
申请人： Haochuan Zhou , Hung-Tzaw Hu , Rong Zhang , Benjamin Scott Boding
发明人： Haochuan Zhou , Hung-Tzaw Hu , Rong Zhang , Benjamin Scott Boding
IPC分类号： H04L29/06
CPC分类号： H04L63/1425 , G06Q20/3224 , G06Q20/389 , G06Q20/401 , H04L63/107 , H04L63/108 , H04L63/205
摘要： In some embodiments, a resource security system may determine an access request outcome (e.g., accept, reject, or review) for an access request based on access rules. The resource security system may generate and select the access rules to be used for using stability information. For instance, the resource security system may select a training set from the received access requests, e.g., including recently received access requests, and generate a plurality of potential access rules based on the training set. The resource security system may determine and compare the detection performance and the stability performance of the potential access rules. The resource security system may select the best performing potential access rules to be used in operation for determining the outcome of access requests.
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公开(公告)号：US20140089192A1
公开(公告)日：2014-03-27
申请号：US13926785
申请日：2013-06-25
IPC分类号： G06Q20/38
CPC分类号： G06Q20/382 , G06Q20/389 , G06Q20/4016
摘要： Embodiments of the invention are directed to computer that can utilize a first computer and a second computer. The first computer may determine a first fraud score based on transaction data. If the first fraud score is indeterminate, the transaction may be assigned to a transaction review queue. If the subsequent review takes too long to complete, then a second computer may be used to compute a second fraud score to determine an outcome for the transaction.
摘要翻译： 本发明的实施例涉及可以利用第一计算机和第二计算机的计算机。 第一计算机可以基于交易数据确定第一欺诈评分。 如果第一个欺诈分数是不确定的，则可以将该交易分配给交易审查队列。 如果随后的审查需要太长时间才能完成，则可以使用第二计算机来计算第二欺诈评分以确定交易的结果。
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9.发明授权公开(公告)号：US08326760B2
公开(公告)日：2012-12-04
申请号：US12881001
申请日：2010-09-13
IPC分类号： G06Q40/00
CPC分类号： G06Q20/405 , G06Q20/40 , G06Q30/06
摘要： In an embodiment, a data processing method comprises obtaining a plurality of first transaction data items for a proposed online credit card purchase transaction that has been recommended for review; obtaining a plurality of second transaction data items for a set of similar past online credit card purchase transactions, wherein each member of the set has one or more transaction feature values that are similar to the transaction data items of the proposed online credit card purchase transaction, and a decision value specifying whether the member was accepted or rejected by a reviewer; obtaining a stored data model of features, feature values, transaction acceptance decisions and rejection decisions of the reviewer based at least in part on the set, determining, based on applying the first transaction data items to the stored data model and a subsequent query to the database among more recent transactions that were not included during model construction, a likelihood value of a particular decision of whether the proposed online credit card purchase transaction would be accepted or rejected by the reviewer of the merchant; causing the likelihood value to be displayed; wherein the method is performed by one or more computing devices.
摘要翻译： 在一个实施例中，一种数据处理方法包括获得建议进行审查的建议的在线信用卡购买交易的多个第一交易数据项; 获得用于一组类似的过去的在线信用卡购买交易的多个第二交易数据项，其中该组的每个成员具有与所提出的在线信用卡购买交易的交易数据项相似的一个或多个交易特征值， 以及指定该成员是否被审阅者接受或拒绝的决定值; 至少部分地基于所述集合来获得所述审查者的特征，特征值，事务接受判定和拒绝决定的存储数据模型，基于将所述第一事务数据项应用于所存储的数据模型和对所存储的数据模型的后续查询 在模型构建期间未包括的最近交易中的数据库，提出的在线信用卡购买交易是否将被商家审阅者接受或拒绝的特定决定的可能性值; 导致似然值被显示; 其中所述方法由一个或多个计算设备执行。
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10.发明申请公开(公告)号：US20120066125A1
公开(公告)日：2012-03-15
申请号：US12881001
申请日：2010-09-13
CPC分类号： G06Q20/405 , G06Q20/40 , G06Q30/06
摘要： In an embodiment, a data processing method comprises obtaining a plurality of first transaction data items for a proposed online credit card purchase transaction that has been recommended for review; obtaining a plurality of second transaction data items for a set of similar past online credit card purchase transactions, wherein each member of the set has one or more transaction feature values that are similar to the transaction data items of the proposed online credit card purchase transaction, and a decision value specifying whether the member was accepted or rejected by a reviewer; obtaining a stored data model of features, feature values, transaction acceptance decisions and rejection decisions of the reviewer based at least in part on the set, determining, based on applying the first transaction data items to the stored data model and a subsequent query to the database among more recent transactions that were not included during model construction, a likelihood value of a particular decision of whether the proposed online credit card purchase transaction would be accepted or rejected by the reviewer of the merchant; causing the likelihood value to be displayed; wherein the method is performed by one or more computing devices.
摘要翻译： 在一个实施例中，一种数据处理方法包括获得建议进行审查的建议的在线信用卡购买交易的多个第一交易数据项; 获得用于一组类似的过去的在线信用卡购买交易的多个第二交易数据项，其中该组的每个成员具有与所提出的在线信用卡购买交易的交易数据项相似的一个或多个交易特征值， 以及指定该成员是否被审阅者接受或拒绝的决定值; 至少部分地基于所述集合来获得所述审查者的特征，特征值，事务接受判定和拒绝决定的存储数据模型，基于将所述第一事务数据项应用于所存储的数据模型和对所存储的数据模型的后续查询 在模型构建期间未包括的最近交易中的数据库，提出的在线信用卡购买交易是否将被商家审阅者接受或拒绝的特定决定的可能性值; 导致似然值被显示; 其中所述方法由一个或多个计算设备执行。
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