公开(公告)号：US20130013488A1

公开(公告)日：2013-01-10

申请号：US13488056

申请日：2012-06-04

申请人： Hung-Tzaw Hu ,  Jason Eaton ,  Scott Boding ,  Jianji Ma

发明人： Hung-Tzaw Hu ,  Jason Eaton ,  Scott Boding ,  Jianji Ma

IPC分类号： G06Q40/00

CPC分类号： G06Q40/08 ,  G06N5/022 ,  G06Q30/06 ,  G06Q30/0601 ,  G06Q30/0609 ,  G06Q40/00 ,  G06Q40/025

摘要： Modern technologies of signal processing and real-time feedback adaptive control are applied to a fraud screen model to enable the fraud screen model to adapt to changes in shopping behavior to effectively maintain the model's performance on a review rate score curve continuously. Multiple techniques disclosed herein integrate control technologies with modeling technology to control the review rate score curve in real time.

摘要翻译： 信号处理和实时反馈自适应控制的现代技术被应用于欺诈屏幕模型，以使欺诈屏幕模型适应购物行为的变化，以有效地维持模型在审查率评分曲线上的表现。 本文公开的多种技术将控制技术与建模技术相结合，实时控制审查率分数曲线。

公开(公告)号：US20110082781A1

公开(公告)日：2011-04-07

申请号：US12573693

申请日：2009-10-05

申请人： Hung-Tzaw Hu ,  Jason Eaton ,  Scott Boding ,  Jianji Ma

发明人： Hung-Tzaw Hu ,  Jason Eaton ,  Scott Boding ,  Jianji Ma

IPC分类号： G06Q40/00 ,  G06N5/02 ,  G06Q30/00

CPC分类号： G06Q40/08 ,  G06N5/022 ,  G06Q30/06 ,  G06Q30/0601 ,  G06Q30/0609 ,  G06Q40/00 ,  G06Q40/025

摘要： Modern technologies of signal processing and real-time feedback adaptive control are applied to a fraud screen model to enable the fraud screen model to adapt to changes in shopping behavior to effectively maintain the model's performance on a review rate score curve continuously. Multiple techniques disclosed herein integrate control technologies with modeling technology to control the review rate score curve in real time.

摘要翻译： 信号处理和实时反馈自适应控制的现代技术被应用于欺诈屏幕模型，以使欺诈屏幕模型适应购物行为的变化，以有效地维持模型在审查率评分曲线上的表现。 本文公开的多种技术将控制技术与建模技术相结合，实时控制审查率分数曲线。

公开(公告)号：US08429070B2

公开(公告)日：2013-04-23

申请号：US13488056

申请日：2012-06-04

申请人： Hung-Tzaw Hu ,  Jason Eaton ,  Scott Boding ,  Jianji Ma

发明人： Hung-Tzaw Hu ,  Jason Eaton ,  Scott Boding ,  Jianji Ma

IPC分类号： G06Q40/00

CPC分类号： G06Q40/08 ,  G06N5/022 ,  G06Q30/06 ,  G06Q30/0601 ,  G06Q30/0609 ,  G06Q40/00 ,  G06Q40/025

摘要： Modern technologies of signal processing and real-time feedback adaptive control are applied to a fraud screen model to enable the fraud screen model to adapt to changes in shopping behavior to effectively maintain the model's performance on a review rate score curve continuously. Multiple techniques disclosed herein integrate control technologies with modeling technology to control the review rate score curve in real time.

摘要翻译： 信号处理和实时反馈自适应控制的现代技术被应用于欺诈屏幕模型，以使欺诈屏幕模型适应购物行为的变化，以有效地维持模型在审查率评分曲线上的表现。 本文公开的多种技术将控制技术与建模技术相结合，实时控制审查率分数曲线。

公开(公告)号：US08214285B2

公开(公告)日：2012-07-03

申请号：US12573693

申请日：2009-10-05

申请人： Hung-Tzaw Hu ,  Jason Eaton ,  Scott Boding ,  Jianji Ma

发明人： Hung-Tzaw Hu ,  Jason Eaton ,  Scott Boding ,  Jianji Ma

IPC分类号： G06Q40/00

CPC分类号： G06Q40/08 ,  G06N5/022 ,  G06Q30/06 ,  G06Q30/0601 ,  G06Q30/0609 ,  G06Q40/00 ,  G06Q40/025

摘要： Modern technologies of signal processing and real-time feedback adaptive control are applied to a fraud screen model to enable the fraud screen model to adapt to changes in shopping behavior to effectively maintain the model's performance on a review rate score curve continuously. Multiple techniques disclosed herein integrate control technologies with modeling technology to control the review rate score curve in real time.

摘要翻译： 信号处理和实时反馈自适应控制的现代技术被应用于欺诈屏幕模型，以使欺诈屏幕模型适应购物行为的变化，以有效地维持模型在审查率评分曲线上的表现。 本文公开的多种技术将控制技术与建模技术相结合，实时控制审查率分数曲线。

公开(公告)号：US08645250B2

公开(公告)日：2014-02-04

申请号：US13597930

申请日：2012-08-29

申请人： Scott Boding

发明人： Scott Boding

IPC分类号： G06Q40/00

CPC分类号： G06Q20/4016 ,  G06Q20/405 ,  G06Q30/06

摘要： Embodiments of the invention are directed to systems and methods for implementing a rules suggestion engine that suggests rules to a user for lowering fraud in future transactions. Embodiments of the invention segment the transaction data based on at least one attribute defined by the user. One or more key indicators are identified corresponding to the segmented data. A correlation is performed between the user defined attribute and one or more key indicators. One or more transaction rules are generated based on the correlation that are suggested to the user for future transactions. The user can customize the rule, a field of rule, a prioritization of the rules, and even create categories of rules.

摘要翻译： 本发明的实施例涉及用于实现规则建议引擎的系统和方法，其向用户建议规则以降低未来交易中的欺诈。 本发明的实施例基于由用户定义的至少一个属性来划分交易数据。 根据分段数据确定一个或多个关键指标。 在用户定义的属性和一个或多个关键指标之间执行相关性。 基于为用户未来交易而建议的相关性生成一个或多个事务规则。 用户可以自定义规则，规则领域，规则的优先级，甚至创建规则类别。

公开(公告)号：US20180300729A1

公开(公告)日：2018-10-18

申请号：US16004143

申请日：2018-06-08

申请人： Cory Siddens ,  Craig O'Connell ,  Scott Boding

发明人： Cory Siddens ,  Craig O'Connell ,  Scott Boding

IPC分类号： G06Q20/40 ,  G06Q20/42 ,  G06Q20/36 ,  G06Q20/38 ,  G06Q40/00

摘要： Embodiments of the present invention are directed to methods and systems for performing a secure authentication process by leveraging the historical transaction data associated with an issuer. The historical transaction data stored at a fraud detection system may include the types of frequency of past authentication processes performed by the issuer, allowing for a determination of the likelihood of an authentication challenge process being applied to a current transaction. A merchant may define merchant rules that define what authentication process, if any, should then be applied to the current transaction based on the likelihood of an authentication challenge process being applied to the current transaction.

公开(公告)号：US20130054438A1

公开(公告)日：2013-02-28

申请号：US13597930

申请日：2012-08-29

申请人： Scott Boding

发明人： Scott Boding

IPC分类号： G06Q40/00

CPC分类号： G06Q20/4016 ,  G06Q20/405 ,  G06Q30/06

摘要： Embodiments of the invention are directed to systems and methods for implementing a rules suggestion engine that suggests rules to a user for lowering fraud in future transactions. Embodiments of the invention segment the transaction data based on at least one attribute defined by the user. One or more key indicators are identified corresponding to the segmented data. A correlation is performed between the user defined attribute and one or more key indicators. One or more transaction rules are generated based on the correlation that are suggested to the user for future transactions. The user can customize the rule, a field of rule, a prioritization of the rules, and even create categories of rules.

摘要翻译： 本发明的实施例涉及用于实现规则建议引擎的系统和方法，其向用户建议规则以降低未来交易中的欺诈。 本发明的实施例基于由用户定义的至少一个属性来划分交易数据。 根据分段数据确定一个或多个关键指标。 在用户定义的属性和一个或多个关键指标之间执行相关性。 基于为用户未来交易而建议的相关性生成一个或多个事务规则。 用户可以自定义规则，规则领域，规则的优先级，甚至创建规则类别。

公开(公告)号：US20150356562A1

公开(公告)日：2015-12-10

申请号：US14733785

申请日：2015-06-08

申请人： Cory Siddens ,  Craig O'Connell ,  Scott Boding

发明人： Cory Siddens ,  Craig O'Connell ,  Scott Boding

IPC分类号： G06Q20/40

CPC分类号： G06Q20/4016 ,  G06Q20/3674 ,  G06Q20/382 ,  G06Q20/3821 ,  G06Q20/40 ,  G06Q20/401 ,  G06Q20/4014 ,  G06Q20/405 ,  G06Q20/425 ,  G06Q40/00

摘要： Embodiments of the present invention are directed to methods and systems for performing a secure authentication process by leveraging the historical transaction data associated with an issuer. The historical transaction data stored at a fraud detection system may include the types of frequency of past authentication processes performed by the issuer, allowing for a determination of the likelihood of an authentication challenge process being applied to a current transaction. A merchant may define merchant rules that define what authentication process, if any, should then be applied to the current transaction based on the likelihood of an authentication challenge process being applied to the current transaction.

摘要翻译： 本发明的实施例涉及通过利用与发行者相关联的历史交易数据来执行安全认证处理的方法和系统。 存储在欺诈检测系统中的历史交易数据可以包括由发行者执行的过去认证处理的频率的类型，从而允许确定将认证挑战过程应用于当前交易的可能性。 商家可以定义商家规则，其定义什么认证过程（如果有的话）应当基于认证挑战过程适用于当前交易的可能性应用于当前交易。