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    • 4. 发明申请
    • METHOD AND APPARATUS FOR EVALUATING FRAUD RISK IN AN ELECTRONIC COMMERCE TRANSACTION
    • 用于评估电子商务交易中风险的方法和装置
    • US20080140576A1
    • 2008-06-12
    • US12034447
    • 2008-02-20
    • Michael LEWISFrank KingThomas ArnoldWilliam WrightJohn Pettit
    • Michael LEWISFrank KingThomas ArnoldWilliam WrightJohn Pettit
    • G06Q10/00G06Q20/00H04L9/32G06F17/00
    • G06Q20/12G06Q10/0635G06Q20/10G06Q20/3674G06Q20/3829G06Q20/40G06Q20/4016G06Q30/0185G06Q30/02G06Q40/00G06Q40/025
    • A method and system for evaluating fraud risk in an electronic commerce transaction between consumer and a merchant over a network is disclosed. The merchant requests service from the system over the network using a secure, open messaging protocol. An e-commerce transaction or electronic purchase order is received from the merchant, the level of risk associated with each order is measured, and a risk score is returned to the merchant. In one embodiment, data validation, highly predictive artificial intelligence pattern matching, network data aggregation and negative file checks are used to examine numerous factors to calculate fraud risk. The fraud screening system performs analysis that utilizes data elements submitted with the order, and includes data integrity checks and correlation analyses based on the characteristics of the transaction. Other analysis includes a comparative comparison of the current transaction against past known fraudulent transactions, and a search of a transaction history database to identify abnormal velocity patterns, name and address changes, and known defrauders. A risk score is generated and compared to the merchant's specified risk threshold. The result is returned to the merchant for order disposition. In one alternative, scoring algorithms are regularly refined through the use of a closed-loop risk modeling process that enables the service provided by the system to be fine-tuned to adapt to new or changing fraud patterns.
    • 公开了一种通过网络来评估消费者和商家之间的电子商务交易中的欺诈风险的方法和系统。 商家通过安全的,开放的消息传递协议通过网络从系统请求服务。 从商家收到电子商务交易或电子采购订单,测量与每个订单相关的风险级别,并向商家返回风险分数。 在一个实施例中,使用数据验证,高度预测的人工智能模式匹配,网络数据聚合和负文件检查来检查多种因素来计算欺诈风险。 欺诈筛选系统执行利用按订单提交的数据元素的分析,并且包括基于交易特征的数据完整性检查和相关性分析。 其他分析包括当前交易与过去已知的欺诈交易的对比比较,以及搜索交易历史数据库以识别异常速度模式,名称和地址变化以及已知的欺诈者。 产生风险分数,并将其与商家的指定风险阈值进行比较。 结果返回给商人进行订单处理。 在一个替代方案中,通过使用闭环风险建模过程来定期评估评分算法,使得系统提供的服务被微调以适应新的或变化的欺诈模式。
    • 9. 发明授权
    • Process for oxidation of ammonia
    • 氨氧化工艺
    • US06827917B1
    • 2004-12-07
    • US09334986
    • 1999-06-17
    • Andrew Mark WardBrett Albert WolfindaleFrank KingBernard John Crewdson
    • Andrew Mark WardBrett Albert WolfindaleFrank KingBernard John Crewdson
    • C01B2126
    • B01J23/83C01B21/265
    • A catalyst for oxidation reactions, particularly the oxidation of ammonia comprises oxides of (a) at least one element A selected from rare earths and yttrium, and (b) cobalt and element A being in such proportions that the element A to cobalt atomic ratio is in the range 0.8 to 1.2, at least some of said cobalt and element A oxides being present as a mixed oxide phase with less than 25% of the cobalt (by atoms) being present as free cobalt oxides, is disclosed. The catalyst may be supported on a secondary support in the form of an alkali-free alumina or lanthana wash coat on a primary support in the form of a mesh, gauze, pad, or monolith formed from a high temperature iron/aluminum alloy or a mesh, gauze, pad, monolith, or foam of a ceramic material.
    • 用于氧化反应的催化剂,特别是氨的氧化包括(a)至少一种选自稀土和钇的元素A的氧化物,和(b)钴和元素A的比例使得元素A与钴的原子比为 在0.8至1.2的范围内,所述钴和元素A氧化物中的至少一些以作为游离钴氧化物存在的小于25%的钴(原子)存在的混合氧化物相存在。 催化剂可以以不含碱的氧化铝或氧化镧洗涤剂的形式负载在主要载体上,形式为网状,纱布,垫,或由高温铁/铝合金或由 网,纱布,垫,整料或泡沫。