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1. 发明申请

US20130018776A1 System and Method for Income Risk Assessment Utilizing Income Fraud and Income Estimation Models 审中-公开
标题翻译：利用收入欺诈和收入估算模型进行收入风险评估的制度与方法
公开(公告)号：US20130018776A1
公开(公告)日：2013-01-17
申请号：US13182228
申请日：2011-07-13
申请人： Jianjun Xie , Hoi-Ming Chi , Roger Noe , Mike Barnett , Brent Gaddis , James Baker
发明人： Jianjun Xie , Hoi-Ming Chi , Roger Noe , Mike Barnett , Brent Gaddis , James Baker
IPC分类号： G06Q40/02
CPC分类号： G06Q40/02
摘要： A method of income validation and evaluation for income risk assessment is disclosed in one embodiment. The method includes receiving a borrower loan request including a plurality of borrower data selected from the group consisting of: an employment type code, a borrower date-of-birth, a borrower zip code and a stated monthly income. The method further includes analyzing the received plurality of borrower data with respect to a stored plurality of borrower data to generate a normalized plurality of borrower data, implementing, if the stated monthly income is non-zero, an income fraud model utilizing at least the normalized plurality of borrower data including the employment type code, the borrower date-of-birth and the borrower zip code to determine an income fraud score based on the normalized plurality of borrower data, implementing an income estimation model utilizing at least the normalized plurality of borrower data and an age-band to determine a predicted income, and determining a risk assessment value as a function of the income fraud model and the income estimation mode.
摘要翻译：在一个实施例中公开了收入风险评估的收入确认和评估方法。该方法包括接收借款人贷款请求，其中包括从由以下各项组成的组中选择的多个借款人数据：雇佣类型代码，借款人出生日期，借款人邮政编码和所述月收入。该方法还包括分析所接收的多个借款人数据相对于所存储的多个借款人数据以产生归一化的多个借款人数据，如果所述月收入不为零，则实施至少使用归一化的收入欺诈模型多个借款人数据，包括就业类型代码，借款人出生日期和借款人邮政编码，以根据归一化的多个借款人数据确定收入欺诈分数，实施利用至少归一化的多个借款人的收入估计模型数据和年龄段来确定预测收入，以及确定风险评估值作为收入欺诈模型和收入估计模式的函数。

2. 发明授权

US07458508B1 System and method for identity-based fraud detection 有权
标题翻译：基于身份的欺诈检测的系统和方法
公开(公告)号：US07458508B1
公开(公告)日：2008-12-02
申请号：US11026566
申请日：2004-12-30
申请人： Xuhui Shao , Jianjun Xie , Tao Hong , Allen Jost
发明人： Xuhui Shao , Jianjun Xie , Tao Hong , Allen Jost
IPC分类号： G06K5/00
CPC分类号： G06Q20/40 , G06Q20/04 , G06Q20/4016
摘要： A method for identifying a fraudulent account application includes receiving a new account application comprising a plurality of identity-related fields and linking the identity-related fields associated with the new account application with identity-related fields associated with a plurality of historical account applications. The links form a graphical pattern on which statistical analysis can performed to determine the likelihood that the new account application is fraudulent. The statistical analysis can comprise comparing the graphical pattern to a known, or normal graphical pattern in order to detect differences, or anomalies occurring in the graphical pattern associated with the new account application.
摘要翻译：用于识别欺诈性帐户应用的方法包括：接收包括多个身份相关字段的新帐户应用，并且将与新帐户应用相关联的身份相关字段与与多个历史账户应用相关联的身份相关字段链接。链接形成图形模式，可以进行统计分析以确定新帐户应用程序是欺诈性的可能性。统计分析可以包括将图形模式与已知或正常的图形模式进行比较，以便检测与新帐户应用相关联的图形模式中发生的差异或异常。

3. 发明授权

US10521857B1 System and method for identity-based fraud detection 有权
公开(公告)号：US10521857B1
公开(公告)日：2019-12-31
申请号：US10841946
申请日：2004-05-07
申请人： Xuhui Shao , Jianjun Xie , Ted Dunning , Tao Hong , Joe Blue
发明人： Xuhui Shao , Jianjun Xie , Ted Dunning , Tao Hong , Joe Blue
IPC分类号： G06Q40/02
摘要： A method for determining a likelihood of fraud associated with an input identity record is disclosed herein. The disclosed method contemplates determining characteristics of the input identity record by examining content of one or more fields of the input identity record. Historical identity records related to the input identity record may then be retrieved so as to define a set of linked identity records. The method further includes computing one or more network-based features of the set of linked identity records. A fraud score may then be generated based upon the characteristics of the input identity record and the one or more network-based features.

4. 发明授权

US08386377B1 System and method for credit scoring using an identity network connectivity 有权
标题翻译：使用身份网络连接进行信用评分的系统和方法
公开(公告)号：US08386377B1
公开(公告)日：2013-02-26
申请号：US12107672
申请日：2008-04-22
申请人： Shanji Xiong , Jianjun Xie , Yinghua Lin , Guowei Wu , Quan Lu , Stephen Coggeshall
发明人： Shanji Xiong , Jianjun Xie , Yinghua Lin , Guowei Wu , Quan Lu , Stephen Coggeshall
IPC分类号： G06Q40/00
CPC分类号： G06Q20/40 , G06Q20/04 , G06Q20/4016 , G06Q40/025
摘要： A technique is provided for determining credit ratings without the need for traditional credit bureau data. In at least one embodiment of the invention, a method comprises the steps of providing a network of linked identity records, each identity record comprising identity related information; receiving an identity record comprising identity related information of the entity; linking the received identity record with at least one of the identity records in the network of linked identity records, quantifying a plurality of linked identity records related to the entity; and generating a credit rating for the entity based on the quantified identity records. Application of the invention is particularly useful for individuals with less than a few years credit behavior recorded on a credit bureau, such as immigrants or young people with limited traditional historical information (“thin file”) and individuals with no traditional historical information (“no hit”).
摘要翻译：提供了一种用于确定信用评级的技术，而不需要传统的信用局数据。在本发明的至少一个实施例中，一种方法包括以下步骤：提供链接的身份记录的网络，每个身份记录包括身份相关信息; 接收包含所述实体的身份相关信息的身份记录; 将所接收的身份记录与链接的身份记录的网络中的身份记录中的至少一个相关联，量化与该实体相关的多个链接的身份记录; 并根据量化的身份记录为该实体产生信用等级。本发明的应用对于信用局记录的少于几年的信用行为的个人，例如传统历史信息有限的传统历史信息的移民或年轻人（薄文件）和没有传统历史信息的个人（无命中））特别有用。

5. 发明授权

US07562814B1 System and method for identity-based fraud detection through graph anomaly detection 有权
标题翻译：通过图形异常检测进行身份欺诈检测的系统和方法
公开(公告)号：US07562814B1
公开(公告)日：2009-07-21
申请号：US11026556
申请日：2004-12-30
申请人： Xuhui Shao , Jianjun Xie , Tao Hong , Allen Jost
发明人： Xuhui Shao , Jianjun Xie , Tao Hong , Allen Jost
IPC分类号： G06K5/00
CPC分类号： G06Q40/00 , G06F21/552 , G06Q20/40 , G06Q20/4016
摘要： A method for identifying a fraudulent account application includes receiving a new account application comprising a plurality of identity-related fields and linking the identity-related fields associated with the new account application with identity-related fields associated with a plurality of historical account applications. The links form a graphical pattern on which statistical analysis can be performed to determine the likelihood that the new account application is fraudulent. The statistical analysis can comprise comparing the graphical pattern to a known, or normal graphical pattern in order to detect differences, or anomalies occurring in the graphical pattern associated with the new account application.
摘要翻译：用于识别欺诈性帐户应用的方法包括：接收包括多个身份相关字段的新帐户应用，并且将与新帐户应用相关联的身份相关字段与与多个历史账户应用相关联的身份相关字段链接。链接形成图形模式，可以进行统计分析以确定新帐户应用程序是欺诈性的可能性。统计分析可以包括将图形模式与已知或正常的图形模式进行比较，以便检测与新帐户应用相关联的图形模式中发生的差异或异常。

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