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    System and method for identity-based fraud detection for transactions using a plurality of historical identity records
    1.
    发明授权
    System and method for identity-based fraud detection for transactions using a plurality of historical identity records 有权
    使用多个历史身份记录的交易的基于身份的欺诈检测的系统和方法

    公开(公告)号：US07793835B1

    公开(公告)日：2010-09-14

    申请号：US12499048

    申请日：2009-07-07

    申请人： Stephen Coggeshall ,  Allen Jost ,  Joseph Blue ,  Christer J. Dichiara ,  Mike Cook ,  Xuhul Shao

    发明人： Stephen Coggeshall ,  Allen Jost ,  Joseph Blue ,  Christer J. Dichiara ,  Mike Cook ,  Xuhul Shao

    IPC分类号： G06K5/00

    CPC分类号： G06Q40/00 ,  G06F21/552 ,  G06Q20/40 ,  G06Q20/4016

    摘要： A method for using transaction records to detect fraud, including receiving a plurality of identity records comprising identity related information; receiving a plurality of transaction records comprising transaction information from a plurality of client institutions; linking the plurality of identity records with each other based on the identity related information; linking the plurality of transaction records with the identity records, wherein a link between a transaction record and an identity record is created when a characteristic of the transaction information of the transaction record is similar to a characteristic of the identity related information of the identity record, the links forming a graphical pattern; and performing statistical analysis of the graphical pattern to detect fraud, wherein the statistical analysis comprises analyzing the graphical pattern to determine whether the graphical pattern is anomalous when considered in relation to a normal graphical pattern.

    摘要翻译： 一种使用交易记录来检测欺诈的方法，包括接收包括身份相关信息的多个身份记录; 从多个客户机构接收包括交易信息的多个交易记录; 基于所述身份相关信息将所述多个身份记录彼此链接; 将所述多个交易记录与所述身份记录相关联，其中当所述交易记录的交易信息的特征与所述身份记录的身份相关信息的特征相似时，创建交易记录与身份记录之间的链接， 链接形成图形模式; 以及执行所述图形模式的统计分析以检测欺诈，其中所述统计分析包括分析所述图形模式以确定在考虑相对于正常图形模式时所述图形模式是否是异常的。

    System and method for identity-based fraud detection using a plurality of historical identity records
    2.
    发明授权
    System and method for identity-based fraud detection using a plurality of historical identity records 有权
    使用多个历史身份记录的基于身份的欺诈检测的系统和方法

    公开(公告)号：US07686214B1

    公开(公告)日：2010-03-30

    申请号：US11026552

    申请日：2004-12-30

    申请人： Xuhui Shao ,  Tao Hong ,  Alan Tsang ,  Allen Jost ,  Christer J. DiChiara ,  Mike Cook ,  Stephen Coggeshall

    发明人： Xuhui Shao ,  Tao Hong ,  Alan Tsang ,  Allen Jost ,  Christer J. DiChiara ,  Mike Cook ,  Stephen Coggeshall

    IPC分类号： G06K5/00

    CPC分类号： G06Q40/02 ,  G06Q20/382 ,  G06Q20/40 ,  G06Q20/401 ,  G06Q40/025 ,  G06Q40/08

    摘要： A method for identifying a fraudulent account application includes receiving a new account application comprising a plurality of identity-related fields and linking the identity-related fields associated with the new account application with identity-related fields associated with a plurality of historical account applications. The links form a graphical pattern on which statistical analysis can be performed to determine the likelihood that the new account application is fraudulent. The statistical analysis can comprise comparing the graphical pattern to a known, or normal graphical pattern in order to detect differences, or anomalies occurring in the graphical pattern associated with the new account application.

    摘要翻译： 用于识别欺诈性帐户应用的方法包括：接收包括多个身份相关字段的新帐户应用，并且将与新帐户应用相关联的身份相关字段与与多个历史账户应用相关联的身份相关字段链接。 链接形成图形模式，可以进行统计分析以确定新帐户应用程序是欺诈性的可能性。 统计分析可以包括将图形模式与已知或正常的图形模式进行比较，以便检测与新帐户应用相关联的图形模式中发生的差异或异常。

    Marketing Selection Optimization Process
    3.
    发明申请
    Marketing Selection Optimization Process 有权
    营销选择优化流程

    公开(公告)号：US20070005415A1

    公开(公告)日：2007-01-04

    申请号：US11456534

    申请日：2006-07-10

    申请人： Yinghua Lin ,  Stephen Coggeshall

    发明人： Yinghua Lin ,  Stephen Coggeshall

    IPC分类号： G07G1/00 ,  G06Q30/00

    CPC分类号： G06Q30/02 ,  G06Q10/06375 ,  G06Q10/087 ,  G06Q10/0875 ,  G06Q30/0202 ,  G06Q30/0204 ,  G06Q30/0211 ,  G06Q30/0601 ,  G06Q40/00

    摘要： A market selection optimization method comprising the steps of assigning product offers to consumers in the presence of multiple constraints, such that each consumer is assigned at least one product offer; determining a difference in expected profitability associated with the assigned product offer and a different product offer for each consumer; sorting the consumers according to the respective difference in expected profitabilities associated with the product offers; and reassigning the product offers to the sorted consumers in accordance with the respective difference in expected profitabilites. The result of this process is a selection of marketing offers that optimizes expected revenues.

    摘要翻译： 一种市场选择优化方法，包括以下步骤：在存在多个约束的情况下向消费者分配产品报价，使得每个消费者被分配至少一个产品报价; 确定与分配的产品报价相关的预期盈利能力和每个消费者的不同产品报价的差异; 根据与产品报价相关的预期利润的差异对消费者进行分类; 并根据预期利润的差异将产品报价重新分配给排序的消费者。 这个过程的结果是选择优化预期收入的营销优惠。

    Marketing selection optimization process
    4.
    发明授权
    Marketing selection optimization process 有权
    营销选择优化过程

    公开(公告)号：US06847934B1

    公开(公告)日：2005-01-25

    申请号：US09546949

    申请日：2000-04-11

    申请人： Yinghua Lin ,  Stephen Coggeshall

    发明人： Yinghua Lin ,  Stephen Coggeshall

    IPC分类号： G06Q10/06 ,  G06Q10/08 ,  G06Q30/02 ,  G06Q30/06 ,  G06Q40/00 ,  G06F17/60

    CPC分类号： G06Q30/02 ,  G06Q10/06375 ,  G06Q10/087 ,  G06Q10/0875 ,  G06Q30/0202 ,  G06Q30/0204 ,  G06Q30/0211 ,  G06Q30/0601 ,  G06Q40/00

    摘要： A market selection optimization method comprising the steps of assigning product offers to consumers in the presence of multiple constraints, such that each consumer is assigned at least one product offer; determining a difference in expected profitabilty associated with the assigned product offer and a different product offer for each consumer; sorting the consumers according to the respective difference in expected profitabilities associated with the product offers; and reassigning the product offers to the sorted consumers in accordance with the respective difference in expected profitabilities. The result of this process is a selection of marketing offers that optimizes expected revenues.

    摘要翻译： 一种市场选择优化方法，包括以下步骤：在存在多个约束的情况下向消费者分配产品报价，使得每个消费者被分配至少一个产品报价; 确定与分配的产品报价相关的预期盈利能力差异和每个消费者的不同产品报价; 根据与产品报价相关的预期利润的差异对消费者进行分类; 并根据各自的预期利润差异将产品报价重新分配给排序的消费者。 这个过程的结果是选择优化预期收入的营销优惠。

    Identity manipulation detection system and method
    6.
    发明授权
    Identity manipulation detection system and method 有权
    身份识别操作检测系统及方法

    公开(公告)号：US08918891B2

    公开(公告)日：2014-12-23

    申请号：US13494976

    申请日：2012-06-12

    申请人： Stephen Coggeshall ,  Wenzhong Zhao ,  Viktoria Rojkova

    发明人： Stephen Coggeshall ,  Wenzhong Zhao ,  Viktoria Rojkova

    IPC分类号： G06F21/62 ,  H04L29/06

    CPC分类号： H04L63/12 ,  H04L63/1408

    摘要： The present invention provides, in at least one embodiment, a device, system, and method for resolving the identity of at least one person and listing their identity information attributes. The system detects intentional and improper falsifications of the person's personal identity information. The system calculates a manipulation score that indicates the likelihood that the person intentionally and improperly attempted to manipulate their identity information. The manipulation score can be based on the number, type, and systematic nature of the person's variations in their identity information. The system also calculates a collection of identity manipulation attributes that describe explicitly the manner of the improper manipulation, such as the number of Social Security numbers used.

    摘要翻译： 本发明在至少一个实施例中提供了一种用于解析至少一个人的身份并列出其身份信息属性的设备，系统和方法。 该系统检测该人的个人身份信息的故意和不正当的伪造。 该系统计算一个操纵分数，指示该人有意和不当地尝试操纵其身份信息的可能性。 操纵分数可以基于个人身份信息变化的数量，类型和系统性质。 该系统还计算一组识别操纵属性，这些属性明确地描述了不当操作的方式，例如使用的社会保险号码的数量。

    Marketing selection optimization process
    7.
    发明授权
    Marketing selection optimization process 有权
    营销选择优化过程

    公开(公告)号：US07076442B2

    公开(公告)日：2006-07-11

    申请号：US11036649

    申请日：2005-01-14

    申请人： Yinghua Lin ,  Stephen Coggeshall

    发明人： Yinghua Lin ,  Stephen Coggeshall

    IPC分类号： G06F17/60

    CPC分类号： G06Q30/02 ,  G06Q10/06375 ,  G06Q10/087 ,  G06Q10/0875 ,  G06Q30/0202 ,  G06Q30/0204 ,  G06Q30/0211 ,  G06Q30/0601 ,  G06Q40/00

    摘要： A market selection optimization method comprising the steps of assigning product offers to consumers in the presence of multiple constraints, such that each consumer is assigned at least one product offer; determining a difference in expected profitability associated with the assigned product offer and a different product offer for each consumer; sorting the consumers according to the respective difference in expected profitabilities associated with the product offers; and reassigning the product offers to the sorted consumers in accordance with the respective difference in expected profitabilites. The result of this process is a selection of marketing offers that optimizes expected revenues.

    摘要翻译： 一种市场选择优化方法，包括以下步骤：在存在多个约束的情况下向消费者分配产品报价，使得每个消费者被分配至少一个产品报价; 确定与分配的产品报价相关的预期盈利能力和每个消费者的不同产品报价的差异; 根据与产品报价相关的预期利润的差异对消费者进行分类; 并根据预期利润的差异将产品报价重新分配给排序的消费者。 这个过程的结果是选择优化预期收入的营销优惠。

    IDENTITY MANIPULATION DETECTION SYSTEM AND METHOD
    8.
    发明申请
    IDENTITY MANIPULATION DETECTION SYSTEM AND METHOD 有权
    身份识别检测系统及方法

    公开(公告)号：US20130333048A1

    公开(公告)日：2013-12-12

    申请号：US13494976

    申请日：2012-06-12

    申请人： Stephen Coggeshall ,  Wenzhong Zhao ,  Viktoria Rojkova

    发明人： Stephen Coggeshall ,  Wenzhong Zhao ,  Viktoria Rojkova

    IPC分类号： H04L29/06

    CPC分类号： H04L63/12 ,  H04L63/1408

    摘要： The present invention provides, in at least one embodiment, a device, system, and method for resolving the identity of at least one person and listing their identity information attributes. The system detects intentional and improper falsifications of the person's personal identity information. The system calculates a manipulation score that indicates the likelihood that the person intentionally and improperly attempted to manipulate their identity information. The manipulation score can be based on the number, type, and systematic nature of the person's variations in their identity information. The system also calculates a collection of identity manipulation attributes that describe explicitly the manner of the improper manipulation, such as the number of Social Security numbers used.

    摘要翻译： 本发明在至少一个实施例中提供了一种用于解析至少一个人的身份并列出其身份信息属性的设备，系统和方法。 该系统检测该人的个人身份信息的故意和不正当的伪造。 该系统计算一个操纵分数，指示该人有意和不当地尝试操纵其身份信息的可能性。 操纵分数可以基于个人身份信息变化的数量，类型和系统性质。 该系统还计算一组识别操纵属性，这些属性明确地描述了不当操作的方式，例如使用的社会保险号码的数量。

    System and method for credit scoring using an identity network connectivity
    9.
    发明授权
    System and method for credit scoring using an identity network connectivity 有权
    使用身份网络连接进行信用评分的系统和方法

    公开(公告)号：US08386377B1

    公开(公告)日：2013-02-26

    申请号：US12107672

    申请日：2008-04-22

    申请人： Shanji Xiong ,  Jianjun Xie ,  Yinghua Lin ,  Guowei Wu ,  Quan Lu ,  Stephen Coggeshall

    发明人： Shanji Xiong ,  Jianjun Xie ,  Yinghua Lin ,  Guowei Wu ,  Quan Lu ,  Stephen Coggeshall

    IPC分类号： G06Q40/00

    CPC分类号： G06Q20/40 ,  G06Q20/04 ,  G06Q20/4016 ,  G06Q40/025

    摘要： A technique is provided for determining credit ratings without the need for traditional credit bureau data. In at least one embodiment of the invention, a method comprises the steps of providing a network of linked identity records, each identity record comprising identity related information; receiving an identity record comprising identity related information of the entity; linking the received identity record with at least one of the identity records in the network of linked identity records, quantifying a plurality of linked identity records related to the entity; and generating a credit rating for the entity based on the quantified identity records. Application of the invention is particularly useful for individuals with less than a few years credit behavior recorded on a credit bureau, such as immigrants or young people with limited traditional historical information (“thin file”) and individuals with no traditional historical information (“no hit”).

    摘要翻译： 提供了一种用于确定信用评级的技术，而不需要传统的信用局数据。 在本发明的至少一个实施例中，一种方法包括以下步骤：提供链接的身份记录的网络，每个身份记录包括身份相关信息; 接收包含所述实体的身份相关信息的身份记录; 将所接收的身份记录与链接的身份记录的网络中的身份记录中的至少一个相关联，量化与该实体相关的多个链接的身份记录; 并根据量化的身份记录为该实体产生信用等级。 本发明的应用对于信用局记录的少于几年的信用行为的个人，例如传统历史信息有限的传统历史信息的移民或年轻人（薄文件）和没有传统历史信息的个人（无命中））特别有用。