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公开(公告)号：US12034562B2
公开(公告)日：2024-07-09
申请号：US17564371
申请日：2021-12-29
IPC分类号： H04L12/28
CPC分类号： H04L12/282 , H04L12/281 , H04L12/2838 , H04L2012/285
摘要： Embodiment described herein provide a system for authenticating an identity of a user. The system includes a first device, a second device, a user device, and a remote computing device. The first device, the second device, and the user device are connected to and operable to communicate over the first communications network. The user device is connected to and operable to communicate over a second communications network. The user device is configured to detect the first device or the second device when the first device or the second device is connected the first communications network, and to generate one or more signals related to the detection of the first device or the second device. The remote computing device is configured to receive the one or more signals from the user device and authenticate the identity of the user based on the one or more signals.
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公开(公告)号：US11727406B2
公开(公告)日：2023-08-15
申请号：US16988142
申请日：2020-08-07
发明人： John Hearty , Anton Laptiev , Parin Prashant Shah , Sik Suen Chan , Hanhan Wu
CPC分类号： G06Q20/4016 , G06N20/00
摘要： A system for determining a fraud risk score associated with a transaction. The system includes a server including an electronic processor. The electronic processor is configured to determine a plurality of rules based on a plurality of transactions over time and extract one or more features of the transaction. The electronic processor is also configured to select, based on the plurality of rules, a plurality of fraud risk features Each non-categorical fraud risk feature selected is associated with a fraud risk feature value and each categorical fraud risk feature selected is associated with a categorical variable value. The electronic processor is configured to determine, for each categorical fraud risk feature, a fraud risk feature value. The electronic processor is also configured to determine the fraud risk score based on the one or more of the transformed fraud risk feature values.
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公开(公告)号：US20210081949A1
公开(公告)日：2021-03-18
申请号：US17017829
申请日：2020-09-11
发明人： John Hearty , Anton Laptiev , Parin Prashant Shah , Sik Suen Chan , Hanhan Wu
摘要： Systems, methods, devices, and computer readable media for determining whether a transaction was initiated by a known user. Known users can be identified using a known user identification linear regression algorithm. The known user identification algorithm incorporates a variety of features of an initiated transaction, as well as reputation and historical data associated with an account or user, to produce a prediction value that indicates whether a user is a known user or whether there is a high potential for fraud. If the prediction value that results from the known user identification algorithm is greater than or equal to the threshold value, a fraud rule is triggered (i.e., predicted fraud). If the prediction value that results from the known user identification algorithm is less than the threshold value, the user who initiated the transaction is identified as a known user and the transaction is permitted to proceed (i.e., predicted non-fraud).
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公开(公告)号：US20210042757A1
公开(公告)日：2021-02-11
申请号：US16988142
申请日：2020-08-07
发明人： John Hearty , Anton Laptiev , Parin Prashant Shah , Sik Suen Chan , Hanhan Wu
摘要： A system for determining a fraud risk score associated with a transaction. The system includes a server including an electronic processor. The electronic processor is configured to determine a plurality of rules based on a plurality of transactions over time and extract one or more features of the transaction. The electronic processor is also configured to select, based on the plurality of rules, a plurality of fraud risk features Each non-categorical fraud risk feature selected is associated with a fraud risk feature value and each categorical fraud risk feature selected is associated with a categorical variable value. The electronic processor is configured to determine, for each categorical fraud risk feature, a fraud risk feature value. The electronic processor is also configured to determine the fraud risk score based on the one or more of the transformed fraud risk feature values.
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公开(公告)号：US20200279274A1
公开(公告)日：2020-09-03
申请号：US16804719
申请日：2020-02-28
发明人： John Hearty , Anton Laptiev , Christopher Bailey , Hanhan Wu , Igor Opushnyev , Sik Suen Chan , Randy Lukashuk
摘要： A fraud prevention system that includes a client server and a fraud prevention server. The fraud prevention server includes an electronic processor and a memory. The memory includes an online application origination (OAO) service. When executing the OAO service, the electronic processor is configured to determine a fraud score of an online application based on an online application origination (OAO) model that differentiates between a behavior of a normal user and a behavior of a nefarious actor during a submission of the online application on a device, and control the client server to approve, hold, or deny the online application based on the fraud score that is determined.
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公开(公告)号：US20200279266A1
公开(公告)日：2020-09-03
申请号：US16804725
申请日：2020-02-28
发明人： John Hearty , Anton Laptiev , Christopher Bailey , Hanhan Wu , Igor Opushnyev , Sik Suen Chan , Randy Lukashuk
摘要： A fraud prevention system that includes a fraud prevention server including an electronic processor and a memory. The memory includes an online application origination (OAO) service. When executing the OAO service, the electronic processor is configured to determine whether the OAO service is enabled and whether a website configuration includes a list of multi-page placements for an online application, determine that input data needs to be stored in the memory and combined into multi-page input data, determine a fraud risk score of the online application based on the multi-page input data and an online application origination (OAO) model that differentiates between a behavior of a normal user and a behavior of a nefarious actor during a submission of the online application on a device, and control a client server to approve, hold, or deny the online application based on the fraud risk score that is determined.
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7.发明公开公开(公告)号：US20240346323A1
公开(公告)日：2024-10-17
申请号：US18633749
申请日：2024-04-12
发明人： John Hearty
IPC分类号： G06N3/09
CPC分类号： G06N3/09
摘要： A system includes memory hardware configured to store instructions and processing hardware configured to execute the instructions. The instructions include loading a first data set, the first data set including (i) a reference profile and (ii) one or more candidate profiles, providing the first data set to a machine learning model to generate output data, generating telemetry for the first data set, the telemetry including (a) one or more role identifiers associated with the reference profile and (b) one or more candidate identifiers associated with the one or more candidate profiles, processing the output data and telemetry to generate a test metric, adjusting parameters of the machine learning model in response to the test metric meeting a first condition, and saving the machine learning model as a validated machine learning model in response to the test metric meeting a second condition.
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公开(公告)号：US11599439B2
公开(公告)日：2023-03-07
申请号：US17524900
申请日：2021-11-12
发明人： Igor Opushnyev , John Hearty , Anton Laptiev
IPC分类号： G06F11/30
摘要： A universal device identifier (UDID) service with adjusted attribute distances. In one embodiment, a server includes an electronic processor and a memory storing the UDID service. The electronic processor is configured to receive an identification request regarding a currently-observed device having a first set of device attributes, retrieve any previously-observed devices, determine whether one or more devices are found from retrieving the any of the previously-observed devices, determine all changed device attributes for each device of the one or more devices that are found relative to the first set of device attributes, generate an adjusted attribute distance corresponding to the all changed device attributes for the each device, retrieve a universal device identifier (UDID) of a closest device having a lowest adjusted attribute distance among all adjusted attribute distances that are generated, and assign the UDID of the closest device to the currently-observed device.
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公开(公告)号：US11388160B2
公开(公告)日：2022-07-12
申请号：US16592354
申请日：2019-10-03
发明人： John Hearty , Hanhan Wu , Randy Lukashuk , Anton Laptiev , Jake Madison , Christopher Bailey , Igor Opushnyev , Parin Prashant Shah , Sik Suen Chan
摘要： An account recommendation system that includes a server. The server is operable to identify a user account based on a server-side persistent device identification. The server includes a processor and a memory. The server is configured to receive a request including one or more attributes related to a client device, identify the server-side persistent device identification (“PDI”) record for the client device based on the one or more attributes of the client device, identify one or more candidate accounts based on the server-side persistent device identification, determine confidence scores for each of the one or more candidate accounts, generate a recommendation signal for the user account associated with the client device based on the confidence scores, and transmit the recommendation signal to a merchant server.
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公开(公告)号：US11935062B2
公开(公告)日：2024-03-19
申请号：US17537647
申请日：2021-11-30
发明人： John Hearty , Anton Laptiev
IPC分类号： G06Q20/40
CPC分类号： G06Q20/4016
摘要： A system for generating a fraud risk score for a third party provider (TPP) transaction. The system includes a server including an electronic processor. The electronic processor is configured to determine a frequency-recency-monetary value feature, a reputation feature, and a rule feature for a TPP transaction, using the frequency-recency-monetary value feature, the reputation feature, and the rule feature as input for a machine learning model, execute the machine learning model to generate a blended score, and, when the blended score is above a second predetermined threshold, determine that the TPP transaction is fraudulent.
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