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1. 发明申请

US20170083920A1 HYBRID METHOD OF DECISION TREE AND CLUSTERING TECHNOLOGY 审中-公开
公开(公告)号：US20170083920A1
公开(公告)日：2017-03-23
申请号：US14860306
申请日：2015-09-21
申请人： FAIR ISAAC CORPORATION
发明人： Scott M. Zoldi , Heming Xu , Yuting Jia
IPC分类号： G06Q20/40 , G06N99/00
CPC分类号： G06N20/00 , G06Q2220/00
摘要： A computer-implemented method of fraud detection includes clustering samples on the tree nodes in the decision tree model on the training dataset, calculating the cluster centroids and determining the high fidelity radius for a preset threshold probability for each cluster and determining the left-over class probability for each node. The new transactional data is classified in three steps: first to determine based on the decision tree what leaf node the transaction is associated, second to determine the membership to a cluster of the leaf node using the shortest distance to the cluster centroid and then third to compare the distance with the high fidelity radius and then to determine the eventual class probability for a new data. The new method demonstrates better performance than the decision-tree alone model.

2. 发明申请

US20160225048A1 BIOMETRIC MEASURES PROFILING ANALYTICS 审中-公开
标题翻译：生物量测量分析分析
公开(公告)号：US20160225048A1
公开(公告)日：2016-08-04
申请号：US14613300
申请日：2015-02-03
申请人： Fair Isaac Corporation
发明人： Scott M. Zoldi , Stuart C. Wells
IPC分类号： G06Q30/06 , G06Q20/40 , G06K9/00
CPC分类号： G06Q30/0609 , G06K9/00899 , G06Q20/40145 , G06Q20/4016
摘要： A biometric measures profiling analytics system and method are presented. The system and method include collecting biometric data associated with a consumer, and determining one or more biometric variables representing a measurable aspect of the biometric data. The system and method further include generating, based on at least one of the one or more biometric variables, at least one biometric profile variable associated with the consumer, the at least one biometric profile variable representing a degree of normality or abnormality of the collected and calibrated biometric data as compared to a biometric history of the consumer. The system and method further include generating a behavioral score for the consumer based on the collected and calibrated biometric data and with at least one biometric profile variable, the behavioral score representing a degree of risk of normality or abnormality of an event associated with the biometric data.
摘要翻译：提出了一种生物特征测量分析系统和方法。该系统和方法包括收集与消费者相关联的生物特征数据，以及确定表示生物特征数据的可测量方面的一个或多个生物特征变量。所述系统和方法还包括基于所述一个或多个生物特征变量中的至少一个生成与所述消费者相关联的至少一个生物特征变量变量，所述至少一个生物特征变量表示所收集和/ 与消费者的生物识别历史相比校准的生物特征数据。该系统和方法还包括基于收集和校准的生物测定数据和至少一个生物特征变量生成消费者的行为评分，该行为评分代表与生物特征数据相关联的事件的正常风险或异常程度。

3. 发明授权

US11380171B2 Visualization for payment card transaction fraud analysis 有权
公开(公告)号：US11380171B2
公开(公告)日：2022-07-05
申请号：US16357311
申请日：2019-03-18
申请人： FAIR ISAAC CORPORATION
发明人： Yonghui Chen , Gregory Gancarz , Scott M. Zoldi
IPC分类号： G06Q40/08 , G07F19/00 , G06Q20/10 , G06Q20/40
摘要： A computer-implemented method and system for visualizing card transaction fraud analysis is presented. Transaction data and account data related to one or more payment card accounts is stored in a database. The transaction data includes a fraud score. A computer processor generates one or more of a plurality of visualizations of activity of at least one suspicious account from the one or more payment card accounts for display in a graphical user interface, each of the plurality of visualizations providing at least a graphical representation of the transaction data and which is selectable from a menu provided by the computer processor in the graphical user interface. The visualizations assist in case judgment of the one or more payment cards.

4. 发明授权

US09774681B2 Cloud process for rapid data investigation and data integrity analysis 有权
公开(公告)号：US09774681B2
公开(公告)日：2017-09-26
申请号：US14506543
申请日：2014-10-03
申请人： FAIR ISAAC CORPORATION
发明人： Scott M. Zoldi , Joseph F. Murray , Jeffrey D. Carlson
IPC分类号： G06F15/167 , H04L29/08 , H04L12/26
CPC分类号： H04L67/1097 , H04L43/045 , H04L67/10
摘要： A system and method for rapid data investigation and data integrity analysis is disclosed. A data set is received by a server computer from one or more client computers connected with the server computer via a communications network, and the data set is stored in a distributed storage memory. One or more analytical processes are executed on the data set from the distributed storage memory to generate statistics based on each of the analytical processes, and the statistics are stored in a random access memory, the random access memory being accessible by one or more compute nodes, which generate a graphical representation of at least some statistics stored in the random access memory. The graphical representation of at least some statistics is then formatted for transmission to and display by the one or more client computers.

5. 发明授权

US11373190B2 False positive reduction in abnormality detection system models 有权
公开(公告)号：US11373190B2
公开(公告)日：2022-06-28
申请号：US16725231
申请日：2019-12-23
申请人： FAIR ISAAC CORPORATION
发明人： Scott M. Zoldi , David Griegel
IPC分类号： G06Q20/40 , G06Q20/38 , G06Q10/10 , G06Q10/04
摘要： The subject matter disclosed herein provides methods, apparatus, systems, techniques, and articles for false positive reduction in abnormality detection models. A date and time of a first transaction by a transaction entity and associated with a transaction characteristic can be stored. Data representing subsequent transactions associated with the transaction characteristic can be stored. A history marker profile specific to the transaction characteristic and transaction entity can be generated and can include the transaction characteristic, the date and time of the first transaction, and maximum and mean abnormality scores. A date and time of a current transaction can be determined. A current abnormality score for the current transaction can be received. A tenure of the observed transaction characteristic can be computed. The current abnormality score can be recalibrated from the transaction entity abnormality detection system according to the maximum, mean, and current abnormality scores and a length of the tenure.

6. 发明申请

US20200151628A1 Adaptive Fraud Detection 审中-公开
公开(公告)号：US20200151628A1
公开(公告)日：2020-05-14
申请号：US16681501
申请日：2019-11-12
申请人： FAIR ISAAC CORPORATION
发明人： Scott M. Zoldi , Larry Peranich , Jehangir Athwal , Uwe Mayer , Sajama
IPC分类号： G06Q10/04 , G06Q10/06
摘要： A computer-implemented method for technologically improving a computer-implemented machine-learning model, the method comprising receiving, by a model, at least a first data record; generating a first score representing a first likelihood that the first data record is associated with a first classification, in response to feedback received from one or more data sources communicating with at least one computing system on which the model is implemented; generating a second score to represent a second likelihood that the first data record is associated with the first classification, in response to the first score being higher than a threshold value.

7. 发明申请

US20190295383A1 VISUALIZATION FOR PAYMENT CARD TRANSACTION FRAUD ANALYSIS 审中-公开
公开(公告)号：US20190295383A1
公开(公告)日：2019-09-26
申请号：US16357311
申请日：2019-03-18
申请人： FAIR ISAAC CORPORATION
发明人： Yonghui Chen , Gregory Gancarz , Scott M. Zoldi
IPC分类号： G07F19/00 , G06Q20/40 , G06Q20/10
摘要： A computer-implemented method and system for visualizing card transaction fraud analysis is presented. Transaction data and account data related to one or more payment card accounts is stored in a database. The transaction data includes a fraud score. A computer processor generates one or more of a plurality of visualizations of activity of at least one suspicious account from the one or more payment card accounts for display in a graphical user interface, each of the plurality of visualizations providing at least a graphical representation of the transaction data and which is selectable from a menu provided by the computer processor in the graphical user interface. The visualizations assist in case judgment of the one or more payment cards.

8. 发明授权

US11367074B2 High resolution transaction-level fraud detection for payment cards in a potential state of fraud 有权
公开(公告)号：US11367074B2
公开(公告)日：2022-06-21
申请号：US15338218
申请日：2016-10-28
申请人： FAIR ISAAC CORPORATION
发明人： Scott M. Zoldi , Hila Hashemi , Todd Alan Smith
IPC分类号： G06Q20/40 , G06F16/2457 , G06Q40/02 , G06Q20/34 , G06Q10/06
摘要： A system and method are disclosed, to distinguish fraudulent transactions from a legitimate transaction, predicated on the notion that the card is considered likely to be in state of fraud. The disclosed system and method can be activated as soon as an account has suspicious activity that causes a high score for potential fraud, but before a bank either can or needs to confirm fraud. The system or method is able to pinpoint the actual fraudulent transactions inside a window of potential fraudulent activity, using a specialized model referred to as the pinpoint model.

9. 发明授权

US11093988B2 Biometric measures profiling analytics 有权
公开(公告)号：US11093988B2
公开(公告)日：2021-08-17
申请号：US14613300
申请日：2015-02-03
申请人： Fair Isaac Corporation
发明人： Scott M. Zoldi , Stuart C. Wells
IPC分类号： G06Q30/06 , G06K9/00 , G06Q20/40
摘要： A biometric measures profiling analytics system and method are presented. The system and method include collecting biometric data associated with a consumer, and determining one or more biometric variables representing a measurable aspect of the biometric data. The system and method further include generating, based on at least one of the one or more biometric variables, at least one biometric profile variable associated with the consumer, the at least one biometric profile variable representing a degree of normality or abnormality of the collected and calibrated biometric data as compared to a biometric history of the consumer. The system and method further include generating a behavioral score for the consumer based on the collected and calibrated biometric data and with at least one biometric profile variable, the behavioral score representing a degree of risk of normality or abnormality of an event associated with the biometric data.

10. 发明申请

US20180121922A1 HIGH RESOLUTION TRANSACTION-LEVEL FRAUD DETECTION FOR PAYMENT CARDS IN A POTENTIAL STATE OF FRAUD 审中-公开
公开(公告)号：US20180121922A1
公开(公告)日：2018-05-03
申请号：US15338218
申请日：2016-10-28
申请人： FAIR ISAAC CORPORATION
发明人： Scott M. Zoldi , Hila Hashemi , Todd Alan Smith
IPC分类号： G06Q20/40 , G06Q20/34 , G06F17/30
CPC分类号： G06Q20/4016 , G06F16/24578 , G06Q10/0635 , G06Q20/34 , G06Q20/409 , G06Q40/025
摘要： A system and method are disclosed, to distinguish fraudulent transactions from a legitimate transaction, predicated on the notion that the card is considered likely to be in state of fraud. The disclosed system and method can be activated as soon as an account has suspicious activity that causes a high score for potential fraud, but before a bank either can or needs to confirm fraud. The system or method is able to pinpoint the actual fraudulent transactions inside a window of potential fraudulent activity, using a specialized model referred to as the pinpoint model.

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