公开(公告)号：US20130282578A1

公开(公告)日：2013-10-24

申请号：US13657640

申请日：2012-10-22

申请人： Jianjie Ma ,  Benjamin Scott Boding ,  Shawna Bushart

发明人： Jianjie Ma ,  Benjamin Scott Boding ,  Shawna Bushart

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。

公开(公告)号：US08326760B2

公开(公告)日：2012-12-04

申请号：US12881001

申请日：2010-09-13

申请人： Jianjie Ma ,  Benjamin Scott Boding ,  Shawna Bushart

发明人： Jianjie Ma ,  Benjamin Scott Boding ,  Shawna Bushart

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。

公开(公告)号：US20120066125A1

公开(公告)日：2012-03-15

申请号：US12881001

申请日：2010-09-13

申请人： Jianjie Ma ,  Benjamin Scott Boding ,  Shawna Bushart

发明人： Jianjie Ma ,  Benjamin Scott Boding ,  Shawna Bushart

IPC分类号： G06Q40/00 ,  G06Q30/00

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。