公开(公告)号：US20060248048A1

公开(公告)日：2006-11-02

申请号：US11285789

申请日：2005-11-22

申请人： Naveen Jain ,  John Arnold ,  Kevin Marcus ,  Niraj Shah

发明人： Naveen Jain ,  John Arnold ,  Kevin Marcus ,  Niraj Shah

IPC分类号： G06F17/30

CPC分类号： G06Q30/00 ,  G06F17/30958

摘要： Records are obtained from various sources, including public records, and are then augmented and grouped. At least one augment key is applied to each of the records resulting in an augment key value for each record. The records are augmented based on the key value. Augmenting the records includes combining the fields of the common records into a single record and then removing the duplicate records. The augmented records are then grouped according to household. At least one household grouping key is applied to each of the augmented records resulting in a household grouping key value for each record. The records having the same household grouping key value are displayed as a household grouping.

公开(公告)号：US20060248021A1

公开(公告)日：2006-11-02

申请号：US11285748

申请日：2005-11-22

申请人： Naveen Jain ,  John Arnold ,  Kevin Marcus ,  Niraj Shah

发明人： Naveen Jain ,  John Arnold ,  Kevin Marcus ,  Niraj Shah

IPC分类号： G06Q99/00

CPC分类号： G06Q10/10 ,  G06Q20/401

摘要： Public records are used to help in the detection and prevention of fraud as well as to verify a consumer. Public records are accessed in real-time and then used to determine if a consumer is who they claim to be or is a fraudster. Questions are generated using the public records based on an initial fraud score and a verification level associated with the entity requesting the fraud and verification services. Based on the response to the questions, the fraud score is updated and a confidence level is returned to the requestor to determine whether the user is legitimate or a fraudster. The questions may be presented online or offline. The verification can be different for every merchant.

摘要翻译： 公共记录用于帮助检测和预防欺诈以及验证消费者。 公共记录被实时访问，然后用于确定消费者是谁声称自己是或是欺诈者。 使用基于初始欺诈分数的公开记录和与请求欺诈和验证服务的实体相关联的验证级别生成问题。 基于对问题的响应，更新欺诈分数，并且向请求者返回置信水平以确定用户是合法的还是欺诈者。 这些问题可能在线或离线显示。 每个商家的验证可能不同。

公开(公告)号：US06295528B1

公开(公告)日：2001-09-25

申请号：US09201575

申请日：1998-11-30

申请人： Kevin Marcus ,  Darrell Garbe

发明人： Kevin Marcus ,  Darrell Garbe

IPC分类号： G06F1730

CPC分类号： G06F17/30241 ,  G06Q30/0241 ,  G06Q30/0601 ,  Y10S707/919 ,  Y10S707/99933

摘要： A method and system are provided for performing database queries with geographic inputs that are converted to a direct marketing area prior to performing the query. Direct marketing areas define geographic locations as discrete areas of interest that may be more useful than city limits or a specific geographic location (e.g., latitude/longitude). Direct marketing areas are more useful geographic designations for purposes of advertising and marketing. A geographic input, such as a city and state, or a latitude and longitude are converted to a direct marketing area. The direct marketing area is then substituted for the entered geographic parameter (e.g., city and state or latitude and longitude), and the requested database query is performed.

摘要翻译： 提供了一种方法和系统，用于使用在执行查询之前转换为直接营销区域的地理输入来执行数据库查询。 直接营销领域将地理位置定义为可能比城市限制或特定地理位置（例如纬度/经度）更有用的离散区域。 直接营销领域对于广告和营销目的而言更为有用的地理标志。 地理输入，如城市和国家，或纬度和经度被转换为直接营销区域。 然后将直接营销区域替换输入的地理参数（例如，城市和州或纬度和经度），并且执行所请求的数据库查询。