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1. 发明授权

US07386506B2 Fraud score calculating program, method of calculating fraud score, and fraud score calculating system for credit cards 有权
标题翻译：欺诈分数计算程序，计算欺诈分数的方法，以及信用卡欺诈分数计算系统
公开(公告)号：US07386506B2
公开(公告)日：2008-06-10
申请号：US10747042
申请日：2003-12-30
申请人： Osamu Aoki , Mikinori Seita
发明人： Osamu Aoki , Mikinori Seita
IPC分类号： G06Q40/00
CPC分类号： G06Q10/10 , G06Q20/10 , G06Q20/4016 , G06Q40/025
摘要： A fraud score calculating program primarily for use in determining the possibility of credit card fraud can calculate a score reflecting the reliability of a model created based on Bayesian theory. Various factors are extracted from authorization data, and cases are selected for various combinations of the factors. A fraud score is calculated for each case, and a result of score calculation is specified using at least one of the calculated scores. The result of score calculation may be an average of a plurality of the calculated scores. When each score reflects reliability, the result of score calculation may be the largest of the calculated scores.
摘要翻译：主要用于确定信用卡欺诈的可能性的欺诈分数计算程序可以计算反映基于贝叶斯理论创建的模型的可靠性的分数。从授权数据中提取各种因素，并对因素的各种组合选择情况。针对每种情况计算欺诈分数，并且使用计算得分中的至少一个来指定得分计算的结果。分数计算的结果可以是多个计算得分的平均值。当每个分数反映可靠性时，分数计算的结果可能是计算得分的最大值。

2. 发明授权

US07216128B2 Data merging program, data merging method, and scoring system using data merging program 有权
标题翻译：数据合并程序，数据合并方法和使用数据合并程序的评分系统
公开(公告)号：US07216128B2
公开(公告)日：2007-05-08
申请号：US10747039
申请日：2003-12-30
申请人： Osamu Aoki , Mikinori Seita
发明人： Osamu Aoki , Mikinori Seita
IPC分类号： G06F7/00 , G06F17/00
CPC分类号： G06Q20/4016 , G06Q20/10 , G06Q20/24 , Y10S707/99942
摘要： A data merging program causes a computer to perform a step of selecting a first cell as a starting point of merging; a step of comparing a first numerical value, which is recorded in the first cell, with a preset reference value; a step of, if the first numerical value is smaller than the reference value, calculating a total value of the first numerical value and a second numerical value recorded in a second cell adjacent to the first cell in the same column; a step of comparing the total value with the reference value and, if the total value is smaller than the reference value, setting a third cell into which the first and second cells are merged and recording the total value in the third cell; and a step of selecting the third cell as a new starting point of merging.
摘要翻译：数据合并程序使计算机执行选择第一个单元作为合并起点的步骤; 将记录在第一单元中的第一数值与预先设定的基准值进行比较的步骤; 如果第一数值小于参考值，则计算第一数值的总值和记录在与同一列中的第一单元相邻的第二单元中的第二数值的步骤; 将总值与参考值进行比较的步骤，如果总值小于参考值，则设置合并第一和第二单元的第三单元，并记录第三单元中的总值; 以及选择第三个单元格作为新的合并起始点的步骤。

3. 发明授权

US11528202B2 Packet flow monitoring device, packet data extraction device, extraction data aggregation device, and program 有权
公开(公告)号：US11528202B2
公开(公告)日：2022-12-13
申请号：US17280974
申请日：2019-10-24
申请人： INTELLIGENT WAVE INC.
发明人： Tomofumi Koyama , Masahiro Kawaragi , Takuya Kurakake , Masaki Tsuji , Ryo Hasegawa , Keiichiro Katsuta , Naoya Suzuki
IPC分类号： H04L43/062 , H04L43/067 , H04L43/0882 , H04L43/0888 , H04L69/22 , H04L101/622
摘要： A packet flow monitoring device, a packet data extraction device, an extraction data aggregation device, and a program for efficiently and highly accurately monitoring a packet flow in a video or audio communication system constructed by an Ethernet (registered trademark) frame or IP packet network. This packet flow monitoring device includes: a packet data extraction device that replicates all passing packets that pass through one or a plurality of specific network switches on the network and extracts and aggregates some predetermined pieces of information in the replicated passing packets to form and output an extraction data report packet; and an extraction data aggregation device that receives the extraction data report packet, analyzes the extraction data report packet so as to aggregate the predetermined pieces of information in the replicated passing packets included in the extraction data report packet for each packet flow, and records the aggregated information as aggregation data.

4. 发明授权

US08104678B2 Payment approval system and method for approving payment for credit card 有权
标题翻译：信用卡付款审批制度和方式
公开(公告)号：US08104678B2
公开(公告)日：2012-01-31
申请号：US12446285
申请日：2007-11-28
申请人： Susumu Yoshikawa , Masayuki Ise , Daisuke Sato
发明人： Susumu Yoshikawa , Masayuki Ise , Daisuke Sato
IPC分类号： G06K5/00
CPC分类号： G06Q20/4016 , G06Q20/40 , G06Q20/4033 , G06Q20/4037
摘要： A payment approval system and a method for approving a payment for credit cards are provided for providing efficient processing while maintaining accuracy in detection of fraud usage of credit cards with an IC chip. Fraud parameters obtained by modeling a pattern of fraud usage is stored in the IC chip equipped in the IC credit card to use for payment approval to achieve improved reliability of offline approval. When offline approval process finds a possibility of fraud usage, online approval for more detailed statistical analysis processing is requested to a host computer. When update information of the fraud parameter used for the judgment is transmitted together with the request for approval and the newest fraud parameter created by analyzing the newest transaction trend etc. is confirmed to have been updated at the host computer, the newest fraud parameter along with the approval result from the host computer is transmitted to the IC terminal to update the fraud parameter in the IC chip to the up-to-date state.
摘要翻译：提供支付审批系统和信用卡付款方式，以提供有效的处理，同时保持使用IC芯片的信用卡欺诈使用的检测准确性。通过对欺诈使用模式进行建模而获得的欺诈参数存储在IC信用卡中配备的IC芯片中，用于支付审批，以提高离线审批的可靠性。当离线批准过程发现欺诈使用的可能性时，向主计算机请求更详细的统计分析处理的在线批准。当用于判断的欺诈参数的更新信息与批准请求一起发送，并且通过分析最新交易趋势等创建的最新欺诈参数被确认已经在主计算机上被更新时，最新的欺诈参数连同将主计算机的批准结果发送到IC终端，将IC芯片中的欺诈参数更新为最新状态。

5. 发明申请

US20040236696A1 History information adding program, fraud determining program using history information, and fraud determining system using history information 审中-公开
标题翻译：历史信息添加程序，使用历史信息的欺诈判定程序，以及使用历史信息的欺诈判定系统
公开(公告)号：US20040236696A1
公开(公告)日：2004-11-25
申请号：US10747041
申请日：2003-12-30
申请人： INTELLIGENT WAVE, INC.
发明人： Osamu Aoki , Mikinori Seita
IPC分类号： G06F017/60
CPC分类号： G06Q40/02 , G06Q20/04 , G06Q20/24 , G06Q20/40 , G06Q20/4016 , G06Q20/403
摘要： A fraud determining system adds, to authorization data concerning a present use, history information, such as a difference in time of use or monetary value between the authorization data and authorization data concerning an immediately previous use. When a determination as to whether the present use involves a fraud is made on the basis of the authorization data concerning the present use, it is possible to determine whether or not the present use is irregular from the history information. The result of the determination is reflected in a score, and therefore, the score can be calculated with high reliability.
摘要翻译：欺诈判定系统对授权数据和与之前的使用相关的授权数据之间的历史信息（例如使用时间差异或货币价值）之间的历史信息进行授权。当根据关于本使用的授权数据确定当前使用是否涉及欺诈时，可以根据历史信息确定当前用途是不规则的。测定结果反映在分数中，因此可以高可靠性计算得分。

6. 发明申请

US20210359923A1 PACKET FLOW MONITORING DEVICE, PACKET DATA EXTRACTION DEVICE, EXTRACTION DATA AGGREGATION DEVICE, AND PROGRAM 有权
公开(公告)号：US20210359923A1
公开(公告)日：2021-11-18
申请号：US17280974
申请日：2019-10-24
申请人： INTELLIGENT WAVE INC.
发明人： Tomofumi KOYAMA , Masahiro KAWARAGI , Takuya KURAKAKE , Masaki TSUJI , Ryo HASEGAWA , Keiichiro KATSUTA , Naoya SUZUKI
IPC分类号： H04L12/26 , H04L29/06 , H04L29/12
摘要： A packet flow monitoring device, a packet data extraction device, an extraction data aggregation device, and a program for efficiently and highly accurately monitoring a packet flow in a video or audio communication system constructed by an Ethernet (registered trademark) frame or IP packet network. This packet flow monitoring device includes: a packet data extraction device that replicates all passing packets that pass through one or a plurality of specific network switches on the network and extracts and aggregates some predetermined pieces of information in the replicated passing packets to form and output an extraction data report packet; and an extraction data aggregation device that receives the extraction data report packet, analyzes the extraction data report packet so as to aggregate the predetermined pieces of information in the replicated passing packets included in the extraction data report packet for each packet flow, and records the aggregated information as aggregation data.

7. 发明申请

US20040225628A1 Data merging program, data merging method, and scoring system using data merging program 有权
标题翻译：数据合并程序，数据合并方法和使用数据合并程序的评分系统
公开(公告)号：US20040225628A1
公开(公告)日：2004-11-11
申请号：US10747039
申请日：2003-12-30
申请人： INTELLIGENT WAVE, INC.
发明人： Osamu Aoki , Mikinori Seita
IPC分类号： G06F017/00 , G06N005/00 , G06F015/18 , G06G007/00 , G06E003/00 , G06E001/00 , G06F017/60
CPC分类号： G06Q20/4016 , G06Q20/10 , G06Q20/24 , Y10S707/99942
摘要： A data merging program causes a computer to perform a step of selecting a first cell as a starting point of merging; a step of comparing a first numerical value, which is recorded in the first cell, with a preset reference value; a step of, if the first numerical value is smaller than the reference value, calculating a total value of the first numerical value and a second numerical value recorded in a second cell adjacent to the first cell in the same column; a step of comparing the total value with the reference value and, if the total value is smaller than the reference value, setting a third cell into which the first and second cells are merged and recording the total value in the third cell; and a step of selecting the third cell as a new starting point of merging.
摘要翻译：数据合并程序使计算机执行选择第一个单元作为合并起点的步骤; 将记录在第一单元中的第一数值与预先设定的基准值进行比较的步骤; 如果第一数值小于参考值，则计算第一数值的总值和记录在与同一列中的第一单元相邻的第二单元中的第二数值的步骤; 将总值与参考值进行比较的步骤，如果总值小于参考值，则设置合并第一和第二单元的第三单元，并记录第三单元中的总值; 以及选择第三个单元格作为新的合并起始点的步骤。

8. 发明申请

US20040225520A1 Fraud score calculating program, method of calculating fraud score, and fraud score calculating system for credit cards 有权
标题翻译：欺诈分数计算程序，计算欺诈分数的方法，以及信用卡欺诈分数计算系统
公开(公告)号：US20040225520A1
公开(公告)日：2004-11-11
申请号：US10747042
申请日：2003-12-30
申请人： INTELLIGENT WAVE, INC.
发明人： Osamu Aoki , Mikinori Seita
IPC分类号： G06F017/60
CPC分类号： G06Q10/10 , G06Q20/10 , G06Q20/4016 , G06Q40/025
摘要： A fraud score calculating program primarily for use in determining the possibility of credit card fraud can calculate a score reflecting the reliability of a model created based on Bayesian theory. Various factors are extracted from authorization data, and cases are selected for various combinations of the factors. A fraud score is calculated for each case, and a result of score calculation is specified using at least one of the calculated scores. The result of score calculation may be an average of a plurality of the calculated scores. When each score reflects reliability, the result of score calculation may be the largest of the calculated scores.
摘要翻译：主要用于确定信用卡欺诈的可能性的欺诈分数计算程序可以计算反映基于贝叶斯理论创建的模型的可靠性的分数。从授权数据中提取各种因素，并对因素的各种组合选择情况。针对每种情况计算欺诈分数，并且使用计算得分中的至少一个来指定得分计算的结果。分数计算的结果可以是多个计算得分的平均值。当每个分数反映可靠性时，分数计算的结果可能是计算得分的最大值。

9. 发明申请

US20040225473A1 Fraud score calculating program, method of calculating fraud score, and fraud score calculating system for credit cards 审中-公开
标题翻译：欺诈分数计算程序，计算欺诈分数的方法，以及信用卡欺诈分数计算系统
公开(公告)号：US20040225473A1
公开(公告)日：2004-11-11
申请号：US10747098
申请日：2003-12-30
申请人： INTELLIGENT WAVE, INC.
发明人： Osamu Aoki , Mikinori Seita
IPC分类号： G06F015/00
CPC分类号： G07F7/08 , G06Q20/40 , G06Q20/4016 , G06Q20/4037 , G06Q40/00
摘要： A fraud score calculating program primarily for use in determining the possibility of credit card fraud can calculate a score reflecting the reliability of a model created based on Bayesian theory. A model which is stored in a fraud detection model database 120 obtains new authorization data and continues learning as the number of data samples increases. Calculation of the score is performed by a calculation logic provided in a scoring subsystem 110. The sample number data for a case corresponding to the authorization data are obtained from the model, and the probability of the occurrence of fraudulent use is calculated. The reliability of the model is also calculated on the basis of, for example, the number of the registered samples, and a fraud score is calculated using both the calculated probability of the occurrence of fraud and the calculated reliability of the model.
摘要翻译：主要用于确定信用卡欺诈的可能性的欺诈分数计算程序可以计算反映基于贝叶斯理论创建的模型的可靠性的分数。存储在欺诈检测模型数据库120中的模型获得新的授权数据，并随着数据样本的数量的增加而继续学习。通过评分子系统110中提供的计算逻辑来执行分数的计算。从模型获得与授权数据相对应的情况的样本数量数据，并且计算发生欺诈性使用的概率。还可以基于例如登记样本的数量来计算模型的可靠性，并且使用所计算的欺诈发生的概率和所计算的模型的可靠性两者来计算欺诈分数。

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