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1. 发明授权

US07793835B1 System and method for identity-based fraud detection for transactions using a plurality of historical identity records 有权
标题翻译：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。

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