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| Number | Title | Issue Date |
| 8175897 | Score based decisioning The invention aids an entity operating on the Internet or on another network to selectively request additional data about a user who has made a request for an interaction with the entity. The invention helps an entity to determine when and how to request additional ... | 05/08/2012 |
| 8150744 | Revenue assurance analytics A system and method of revenue assurance for a service activity are presented. Multiple data feeds are received by a revenue assurance analytic system, where each data feed contains the same logical component of the service activity. The multiple data feeds are proc... | 04/03/2012 |
| 8131615 | Incremental factorization-based smoothing of sparse multi-dimensional risk tables A system for classifying a transaction as fraudulent includes a training component and a scoring component. The training component acts on historical data and also includes a multi-dimensional risk table component comprising one or more multidimensional risk tables ... | 03/06/2012 |
| 8121962 | Automated entity identification for efficient profiling in an event probability prediction system A computer-implemented method and system for automated entity identification for efficient profiling in an event probability prediction system. A first subset of entities belonging to one or more entity classes is defined. At least one historical profile is construc... | 02/21/2012 |
| 8099376 | Rule-based management of adaptive models and agents A computer-implemented method described for making a recommendation with respect to a plurality of items using a plurality of adaptive models or agents. The described method includes receiving one or more business rules; receiving a request for a recommendation; rec... | 01/17/2012 |
| 8099356 | Method and apparatus system for modeling consumer capacity for future incremental debt in credit scoring Predicting impact of future actions on subsequent creditworthiness involves developing a prediction model that predicts a statistical interaction of performance expectation with likely post-scoring behavior. Including sensitivity to new, post-scoring date credit beh... | 01/17/2012 |
| 8090648 | Fraud detection based on efficient frequent-behavior sorted lists A computerized method for detecting fraud includes obtaining frequency information on entities in transaction data for at least one individual account, converting frequency information to a frequency variable, and predicting whether an activity is fraudulent in resp... | 01/03/2012 |
| 8078569 | Estimating transaction risk using sub-models characterizing cross-interaction among categorical and non-categorical variables In one aspect, input data for a predictive model characterizing a level of risk for a data transaction is received that includes values for categorical variables and one or more of binary variables and continuous variables the predictive model. Thereafter, one or mo... | 12/13/2011 |
| 8078524 | Method and apparatus for explaining credit scores The invention comprises a method and apparatus for explaining credit scores, for example in connection with a credit score explanation service, in which consumers can identify the sources of information used to establish their credit score, supply their credit repor... | 12/13/2011 |
| 8065233 | Identification and management of fraudulent credit/debit card purchases at merchant ecommerce sites Transaction processing of online transactions at merchant sites determines the likelihood that such transactions are fraudulent, accounting for unreliable fields of a transaction order, which fields do not reliably identify a purchaser. A scoring server using statis... | 11/22/2011 |
| 8041597 | Self-calibrating outlier model and adaptive cascade model for fraud detection A system and method for detecting fraud is presented. A self-calibrating outlier model is hosted by a computing system. The self-calibrating outlier model receives transaction data representing transactions, and is configured to calculate transaction-based variables... | 10/18/2011 |
| 8032448 | Detecting and measuring risk with predictive models using content mining Computer implemented methods and systems of processing transactions to determine the risk of transaction convert high categorical information, such as text data, to low categorical information, such as category or cluster IDs. The text data may be merchant names or ... | 10/04/2011 |
| 8027947 | Rapidly maturing expanded data transaction profiles A first set of variables is introduced into a data transaction scoring system. The first set of variables having a maturity level less than a second set of variables previously matured on the data transaction scoring system. The maturity level corresponding to an am... | 09/27/2011 |
| 8027894 | Modeling responsible consumer debt consolidation behavior A request to generate a consolidation risk score that characterizes a likelihood of a change in a level of creditworthiness of an individual following a consolidation of debt of the individual using a secured line of credit is received. Thereafter, future credit bal... | 09/27/2011 |
| 8027439 | Self-calibrating fraud detection A method for dynamically updating a model is described. The method includes accessing a model that specifies expected characteristics for a transaction. The model includes variables associated with fraud. The method also includes receiving at least one value for eac... | 09/27/2011 |
| 8025220 | Cardholder localization based on transaction data Methods and apparatus, including computer program products, for cardholder localization based on transaction data. In general, a determination of one or more possible base locations of a cardholder of a payment card may be initiated. Transactions of the cardholder m... | 09/27/2011 |
| 8015140 | Method and apparatus for recommendation engine using pair-wise co-occurrence consistency The invention, referred to herein as PeaCoCk, uses a unique blend of technologies from statistics, information theory, and graph theory to quantify and discover patterns in relationships between entities, such as products and customers, as evidenced by purchase beha... | 09/06/2011 |
| 8001597 | Comprehensive online fraud detection system and method A fraud detection and protection method and system are disclosed. The method and system utilize a fraud detection and protection server to monitor online commercial transactions between a webserver and a client computer, and generate a risk assessment of a user asso... | 08/16/2011 |
| 8001041 | Algorithm for explaining credit scores An exemplary Web-based score explanation service typically requires only the credit bureau identifier, credit score, and up to four reason codes as input. The invention herein discloses an algorithm that is used to provide an explanation of the primary factors influ... | 08/16/2011 |
| 7991716 | Comprehensive identity protection system A system and method for protecting identity fraud are disclosed. A system includes a detection subsystem to identify applications and/or accounts at risk of identity fraud, and a disposition subsystem to process data provided by the detection system and to determine... | 08/02/2011 |
| 7970676 | Method and system for modeling future action impact in credit scoring A method and system for predicting impact of future actions on subsequent performance involves developing a prediction model that predicts a statistical interaction of performance expectation with likely behavior. In one embodiment, sensitivity to new, post-scoring ... | 06/28/2011 |
| 7962368 | Purchase sequence browser The invention provides a purchase sequence browser (PuSB), i.e. a graphical user interface (GUI) that facilitates insight discovery and exploration of product affinities across time, generated by a purchase sequence analysis of a retailer's transaction data. A purch... | 06/14/2011 |
| 7961857 | Network assurance analytic system A network assurance analytics (NAA) system and method is disclosed. The NAA can be part of a risk analytic for telecom (RAFT) program. The NAA system is configured to monitor telecommunications networks, detect errors or fraud in those telecommunications networks, a... | 06/14/2011 |
| 7953695 | System and method for integrated data mart defining start schema model processing business contact data from multiple contact channels Disclosed is a data collection and analysis system that is capable of extracting data from various disparate sources, i.e., contact channels, storing the data and analyzing the data to show trends in the business operation. The data is stored in a data model that us... | 05/31/2011 |
| 7945515 | Mass compromise/point of compromise analytic detection and compromised card portfolio management system A system and method for managing mass compromise of financial transaction devices is disclosed. A method includes maintaining a summary of a transaction history for a financial transaction device, and forming a device history profile based on the transaction history... | 05/17/2011 |
| 7937335 | Article and method for finding a compact representation to visualize complex decision trees The invention comprises an article and method for transforming a complex or large decision tree having multiple variables; multiple values for each variable; and, multiple outcomes for each combination of variables and their associated values, into a compact, effici... | 05/03/2011 |
| 7930196 | Model-based and data-driven analytic support for strategy development The invention provides an overall architecture for optimal strategy design using both historical data and human expertise. The presently preferred architecture supports the tasks of strategy design and strategy analysis, and provides extensions to influence diagrams... | 04/19/2011 |
| 7895139 | Data spiders Data spiders, provide an automated system that can take a file or file store of historic transaction data and create the best set of variables from that data, where “best” means highly predictive. Genetic algorithms are used to parameterized transactions to form... | 02/22/2011 |
| 7849029 | Comprehensive identity protection system A system and method for protecting identity fraud are disclosed. A system includes a detection subsystem to identify applications and/or accounts at risk of identity fraud, and a disposition subsystem to process data provided by the detection system and to determine... | 12/07/2010 |
| 7860783 | Account-level fraud detector and associated methods A method of generating a model for performing account-level fraud detection is disclosed, and includes obtaining a plurality of candidate rules for referrals of financial transactions, calculating a savings density for each of the plurality of rules, selecting a rul... | 12/28/2010 |
| 7853541 | Method and apparatus for simmered greedy optimization A method and apparatus comprising a fast and highly effective stochastic algorithm, referred to as Simmered Greedy Optimization (SG(N)), for solving combinatorial optimization problems, including the co-clustering problem comprising simultaneously clustering two fin... | 12/14/2010 |
| 7853526 | Data transaction profile compression Techniques for compressing data transaction history profiles are disclosed. Such profiles can include a plurality of profile variables with each profile variable comprising a real number that provides a factor for determining whether a proposed data transaction is i... | 12/14/2010 |
| 7835932 | Relational logic management system In one aspect, the invention relates to a method to propagate relations between a first rule set and a second rule set wherein the first and second rule sets are invoked by a common workflow model. The method includes tracing paths forward through the workflow model... | 11/16/2010 |
| 7831526 | Article and method for finding a compact representation to visualize complex decision trees The invention comprises an article and method for transforming a complex or large decision tree having multiple variables; multiple values for each variable; and, multiple outcomes for each combination of variables and their associated values, into a compact, effici... | 11/09/2010 |
| 7830382 | Method and apparatus for automated graphing of trends in massive, real-world databases A method and apparatus for leveraging the inherent massiveness of real-world data sets to solve the problems typically associated with graphing the data is provided. Three particular areas of concern are as follows: a high likelihood of containing instances of bad o... | 11/09/2010 |
| 7813981 | Apparatus and method for simulating an analytic value chain A computer-implemented simulator models the entire analytic value chain so that data generation, model fitting and strategy optimization are an integral part of the simulation. Data collection efforts, data mining algorithms, predictive modeling technologies and str... | 10/12/2010 |
| 7813944 | Detection of insurance premium fraud or abuse using a predictive software system Detection of insurance premium fraud is provided by a predictive model, which uses derived variables to assess the likelihood of fraud for each policy. The predictive model produces a score, which is a measure of the likelihood of premium fraud or abuse. The predict... | 10/12/2010 |
| 7813937 | Consistency modeling of healthcare claims to detect fraud and abuse Transaction-based behavioral profiling, whereby the entity to be profiled is represented by a stream of transactions, is required in a variety of data mining and predictive modeling applications. An approach is described for assessing inconsistency in the activity o... | 10/12/2010 |
| 7801843 | Method and apparatus for recommendation engine using pair-wise co-occurrence consistency The invention, referred to herein as PeaCoCk, uses a unique blend of technologies from statistics, information theory, and graph theory to quantify and discover patterns in relationships between entities, such as products and customers, as evidenced by purchase beha... | 09/21/2010 |
| 7778846 | Sequencing models of healthcare related states Transition probability sequencing models and metrics are derived from healthcare claims data to identify potentially fraudulent or abusive practices, providers, doctors, clients, or other entities. Healthcare reimbursement claims from hospitals, skilled nursing faci... | 08/17/2010 |
