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。

公开(公告)号：US20120017266A1

公开(公告)日：2012-01-19

申请号：US13175401

申请日：2011-07-01

申请人： Christer J. DiChiara ,  Kristin M. LeFevre ,  Randall P. Mitchum

发明人： Christer J. DiChiara ,  Kristin M. LeFevre ,  Randall P. Mitchum

IPC分类号： G06F21/00

CPC分类号： H04L63/126 ,  H04L63/10

摘要： Systems and methods disclosed allow a permitting party to share personal information with a receiving party. The receiving party may use the information to authenticate the permitting party, assess the permitting party, determine if the permitting party is compatible with one or more other users associated with the receiving party, or validate the permitting party. The permitting party may define how much of the permitting party's personal information is shared, and/or limit the use of the information for one or more specific purposes. A requesting party may also set up criteria for the types of information it wants to review along with the intended use of the information. The systems and methods disclosed also enables permitting parties the ability to grant requesting parties access to requested information.

摘要翻译： 所公开的系统和方法允许许可方与接收方共享个人信息。 接收方可以使用信息来认证许可方，评估许可方，确定许可方是否与与接收方相关联的一个或多个其他用户兼容，或验证许可方。 许可方可以定义许可方的个人信息共享多少，和/或限制用于一个或多个特定目的的信息的使用。 请求方还可以根据信息的预期用途为其想要查看的信息类型设置标准。 所公开的系统和方法还使许可方能够授权请求方访问所请求的信息。

公开(公告)号：US08931058B2

公开(公告)日：2015-01-06

申请号：US13175401

申请日：2011-07-01

申请人： Christer J. DiChiara ,  Kristin M. LeFevre ,  Randall P. Mitchum ,  Bryan David Wresinski

发明人： Christer J. DiChiara ,  Kristin M. LeFevre ,  Randall P. Mitchum ,  Bryan David Wresinski

IPC分类号： G06F21/00 ,  H04L29/06 ,  G06F17/30

CPC分类号： H04L63/126 ,  H04L63/10

摘要： Systems and methods disclosed allow a permitting party to share personal information with a receiving party. The receiving party may use the information to authenticate the permitting party, assess the permitting party, determine if the permitting party is compatible with one or more other users associated with the receiving party, or validate the permitting party. The permitting party may define how much of the permitting party's personal information is shared, and/or limit the use of the information for one or more specific purposes. A requesting party may also set up criteria for the types of information it wants to review along with the intended use of the information. The systems and methods disclosed also enables permitting parties the ability to grant requesting parties access to requested information.

摘要翻译： 所公开的系统和方法允许许可方与接收方共享个人信息。 接收方可以使用信息来认证许可方，评估许可方，确定许可方是否与与接收方相关联的一个或多个其他用户兼容，或验证许可方。 许可方可以定义许可方的个人信息共享多少，和/或限制用于一个或多个特定目的的信息的使用。 请求方还可以根据信息的预期用途为其想要查看的信息类型设置标准。 所公开的系统和方法还使许可方能够授权请求方访问所请求的信息。

公开(公告)号：US08744956B1

公开(公告)日：2014-06-03

申请号：US13594448

申请日：2012-08-24

申请人： Christer J. DiChiara ,  Randall P. Mitchum ,  Mindy Ferguson ,  Kristin M. LeFevre ,  James Andrew Jackson

发明人： Christer J. DiChiara ,  Randall P. Mitchum ,  Mindy Ferguson ,  Kristin M. LeFevre ,  James Andrew Jackson

IPC分类号： G06Q40/00

CPC分类号： H04L63/126 ,  H04L63/10

摘要： Systems and methods disclosed enable a permitting party to share credit data and/or personal information with a receiving party, such as an individual with whom the permitting party has established a trusted connection. In some embodiments, the permitting party may define how much of the permitting party's personal information or other data is shared. In some embodiments, data sharing may be enabled, in part, by generating an identifier that may be provided to the receiving party in order to access the shared data.

摘要翻译： 所公开的系统和方法允许许可方与接受方（例如许可方建立可信连接的个人）共享信用数据和/或个人信息。 在一些实施例中，许可方可以定义许可方的个人信息或其他数据共享多少。 在一些实施例中，部分地可以通过生成可以提供给接收方以便访问共享数据的标识符来启用数据共享。