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1. 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。

2. 发明申请

US20070005415A1 Marketing Selection Optimization Process 有权
标题翻译：营销选择优化流程
公开(公告)号：US20070005415A1
公开(公告)日：2007-01-04
申请号：US11456534
申请日：2006-07-10
申请人： Yinghua Lin , Stephen Coggeshall
发明人： Yinghua Lin , Stephen Coggeshall
IPC分类号： G07G1/00 , G06Q30/00
CPC分类号： G06Q30/02 , G06Q10/06375 , G06Q10/087 , G06Q10/0875 , G06Q30/0202 , G06Q30/0204 , G06Q30/0211 , G06Q30/0601 , G06Q40/00
摘要： A market selection optimization method comprising the steps of assigning product offers to consumers in the presence of multiple constraints, such that each consumer is assigned at least one product offer; determining a difference in expected profitability associated with the assigned product offer and a different product offer for each consumer; sorting the consumers according to the respective difference in expected profitabilities associated with the product offers; and reassigning the product offers to the sorted consumers in accordance with the respective difference in expected profitabilites. The result of this process is a selection of marketing offers that optimizes expected revenues.
摘要翻译：一种市场选择优化方法，包括以下步骤：在存在多个约束的情况下向消费者分配产品报价，使得每个消费者被分配至少一个产品报价; 确定与分配的产品报价相关的预期盈利能力和每个消费者的不同产品报价的差异; 根据与产品报价相关的预期利润的差异对消费者进行分类; 并根据预期利润的差异将产品报价重新分配给排序的消费者。这个过程的结果是选择优化预期收入的营销优惠。

3. 发明授权

US06847934B1 Marketing selection optimization process 有权
标题翻译：营销选择优化过程
公开(公告)号：US06847934B1
公开(公告)日：2005-01-25
申请号：US09546949
申请日：2000-04-11
申请人： Yinghua Lin , Stephen Coggeshall
发明人： Yinghua Lin , Stephen Coggeshall
IPC分类号： G06Q10/06 , G06Q10/08 , G06Q30/02 , G06Q30/06 , G06Q40/00 , G06F17/60
CPC分类号： G06Q30/02 , G06Q10/06375 , G06Q10/087 , G06Q10/0875 , G06Q30/0202 , G06Q30/0204 , G06Q30/0211 , G06Q30/0601 , G06Q40/00
摘要： A market selection optimization method comprising the steps of assigning product offers to consumers in the presence of multiple constraints, such that each consumer is assigned at least one product offer; determining a difference in expected profitabilty associated with the assigned product offer and a different product offer for each consumer; sorting the consumers according to the respective difference in expected profitabilities associated with the product offers; and reassigning the product offers to the sorted consumers in accordance with the respective difference in expected profitabilities. The result of this process is a selection of marketing offers that optimizes expected revenues.
摘要翻译：一种市场选择优化方法，包括以下步骤：在存在多个约束的情况下向消费者分配产品报价，使得每个消费者被分配至少一个产品报价; 确定与分配的产品报价相关的预期盈利能力差异和每个消费者的不同产品报价; 根据与产品报价相关的预期利润的差异对消费者进行分类; 并根据各自的预期利润差异将产品报价重新分配给排序的消费者。这个过程的结果是选择优化预期收入的营销优惠。

4. 发明授权

US07076442B2 Marketing selection optimization process 有权
标题翻译：营销选择优化过程
公开(公告)号：US07076442B2
公开(公告)日：2006-07-11
申请号：US11036649
申请日：2005-01-14
申请人： Yinghua Lin , Stephen Coggeshall
发明人： Yinghua Lin , Stephen Coggeshall
IPC分类号： G06F17/60
CPC分类号： G06Q30/02 , G06Q10/06375 , G06Q10/087 , G06Q10/0875 , G06Q30/0202 , G06Q30/0204 , G06Q30/0211 , G06Q30/0601 , G06Q40/00
摘要： A market selection optimization method comprising the steps of assigning product offers to consumers in the presence of multiple constraints, such that each consumer is assigned at least one product offer; determining a difference in expected profitability associated with the assigned product offer and a different product offer for each consumer; sorting the consumers according to the respective difference in expected profitabilities associated with the product offers; and reassigning the product offers to the sorted consumers in accordance with the respective difference in expected profitabilites. The result of this process is a selection of marketing offers that optimizes expected revenues.
摘要翻译：一种市场选择优化方法，包括以下步骤：在存在多个约束的情况下向消费者分配产品报价，使得每个消费者被分配至少一个产品报价; 确定与分配的产品报价相关的预期盈利能力和每个消费者的不同产品报价的差异; 根据与产品报价相关的预期利润的差异对消费者进行分类; 并根据预期利润的差异将产品报价重新分配给排序的消费者。这个过程的结果是选择优化预期收入的营销优惠。

5. 发明授权

US07346540B2 Marketing selection optimization process 有权
标题翻译：营销选择优化过程
公开(公告)号：US07346540B2
公开(公告)日：2008-03-18
申请号：US11456534
申请日：2006-07-10
申请人： Yinghua Lin , Stephen Coggeshall
发明人： Yinghua Lin , Stephen Coggeshall
IPC分类号： G06F17/60
CPC分类号： G06Q30/02 , G06Q10/06375 , G06Q10/087 , G06Q10/0875 , G06Q30/0202 , G06Q30/0204 , G06Q30/0211 , G06Q30/0601 , G06Q40/00
摘要： A market selection optimization method comprising the steps of assigning product offers to consumers in the presence of multiple constraints, such that each consumer is assigned at least one product offer; determining a difference in expected profitability associated with the assigned product offer and a different product offer for each consumer; sorting the consumers according to the respective difference in expected profitabilities associated with the product offers; and reassigning the product offers to the sorted consumers in accordance with the respective difference in expected profitabilites. The result of this process is a selection of marketing offers that optimizes expected revenues.
摘要翻译：一种市场选择优化方法，包括以下步骤：在存在多个约束的情况下向消费者分配产品报价，使得每个消费者被分配至少一个产品报价; 确定与分配的产品报价相关的预期盈利能力和每个消费者的不同产品报价的差异; 根据与产品报价相关的预期利润的差异对消费者进行分类; 并根据预期利润的差异将产品报价重新分配给排序的消费者。这个过程的结果是选择优化预期收入的营销优惠。

6. 发明申请

US20050154630A1 Marketing selection optimization process 有权
标题翻译：营销选择优化过程
公开(公告)号：US20050154630A1
公开(公告)日：2005-07-14
申请号：US11036649
申请日：2005-01-14
申请人： Yinghua Lin , Stephen Coggeshall
发明人： Yinghua Lin , Stephen Coggeshall
IPC分类号： G06Q10/06 , G06Q10/08 , G06Q30/02 , G06Q30/06 , G06Q40/00 , G06F17/60
CPC分类号： G06Q30/02 , G06Q10/06375 , G06Q10/087 , G06Q10/0875 , G06Q30/0202 , G06Q30/0204 , G06Q30/0211 , G06Q30/0601 , G06Q40/00
摘要： A market selection optimization method comprising the steps of assigning product offers to consumers in the presence of multiple constraints, such that each consumer is assigned at least one product offer; determining a difference in expected profitability associated with the assigned product offer and a different product offer for each consumer; sorting the consumers according to the respective difference in expected profitabilities associated with the product offers; and reassigning the product offers to the sorted consumers in accordance with the respective difference in expected profitabilites. The result of this process is a selection of marketing offers that optimizes expected revenues.
摘要翻译：一种市场选择优化方法，包括以下步骤：在存在多个约束的情况下向消费者分配产品报价，使得每个消费者被分配至少一个产品报价; 确定与分配的产品报价相关的预期盈利能力和每个消费者的不同产品报价的差异; 根据与产品报价相关的预期利润的差异对消费者进行分类; 并根据预期利润的差异将产品报价重新分配给排序的消费者。这个过程的结果是选择优化预期收入的营销优惠。

7. 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。

8. 发明授权

US09280658B2 System and method for systematic detection of fraud rings 有权
标题翻译：用于系统检测欺诈环的系统和方法
公开(公告)号：US09280658B2
公开(公告)日：2016-03-08
申请号：US13840532
申请日：2013-03-15
申请人： Stephen Coggeshall , Bilal Shaw , Darwin Villagomez , Wenzhong Zhao
发明人： Stephen Coggeshall , Bilal Shaw , Darwin Villagomez , Wenzhong Zhao
IPC分类号： G06F21/50 , G06F21/31 , G06F21/55 , G06Q10/00
CPC分类号： G06F21/50 , G06F21/316 , G06F21/552 , G06Q10/00 , G06Q20/4016 , G06Q30/0609 , G06Q50/01 , G06Q50/26 , G06Q50/265
摘要： The present invention provides, in at least one embodiment, a system, and method for detecting fraud rings. The system gathers a small group of highly likely fraudsters. The system then looks for groups of these likely fraudsters who are interconnected. When the interconnections are strong, these groups are likely to be fraud rings. Once fraud rings are detected, the links can be applied to better prevent fraud and to help in criminal investigations.
摘要翻译：本发明在至少一个实施例中提供了一种用于检测欺诈环的系统和方法。该系统收集了一小部分极有可能的欺诈者。然后，系统会查找这些可能相互欺骗的欺诈者的群体。互联互通时，这些群体可能是欺诈环。一旦检测到欺诈，可以应用链接来更好地防止欺诈和帮助刑事调查。

9. 发明授权

US08918891B2 Identity manipulation detection system and method 有权
标题翻译：身份识别操作检测系统及方法
公开(公告)号：US08918891B2
公开(公告)日：2014-12-23
申请号：US13494976
申请日：2012-06-12
申请人： Stephen Coggeshall , Wenzhong Zhao , Viktoria Rojkova
发明人： Stephen Coggeshall , Wenzhong Zhao , Viktoria Rojkova
IPC分类号： G06F21/62 , H04L29/06
CPC分类号： H04L63/12 , H04L63/1408
摘要： The present invention provides, in at least one embodiment, a device, system, and method for resolving the identity of at least one person and listing their identity information attributes. The system detects intentional and improper falsifications of the person's personal identity information. The system calculates a manipulation score that indicates the likelihood that the person intentionally and improperly attempted to manipulate their identity information. The manipulation score can be based on the number, type, and systematic nature of the person's variations in their identity information. The system also calculates a collection of identity manipulation attributes that describe explicitly the manner of the improper manipulation, such as the number of Social Security numbers used.
摘要翻译：本发明在至少一个实施例中提供了一种用于解析至少一个人的身份并列出其身份信息属性的设备，系统和方法。该系统检测该人的个人身份信息的故意和不正当的伪造。该系统计算一个操纵分数，指示该人有意和不当地尝试操纵其身份信息的可能性。操纵分数可以基于个人身份信息变化的数量，类型和系统性质。该系统还计算一组识别操纵属性，这些属性明确地描述了不当操作的方式，例如使用的社会保险号码的数量。

10. 发明申请

US20130333048A1 IDENTITY MANIPULATION DETECTION SYSTEM AND METHOD 有权
标题翻译：身份识别检测系统及方法
公开(公告)号：US20130333048A1
公开(公告)日：2013-12-12
申请号：US13494976
申请日：2012-06-12
申请人： Stephen Coggeshall , Wenzhong Zhao , Viktoria Rojkova
发明人： Stephen Coggeshall , Wenzhong Zhao , Viktoria Rojkova
IPC分类号： H04L29/06
CPC分类号： H04L63/12 , H04L63/1408
摘要： The present invention provides, in at least one embodiment, a device, system, and method for resolving the identity of at least one person and listing their identity information attributes. The system detects intentional and improper falsifications of the person's personal identity information. The system calculates a manipulation score that indicates the likelihood that the person intentionally and improperly attempted to manipulate their identity information. The manipulation score can be based on the number, type, and systematic nature of the person's variations in their identity information. The system also calculates a collection of identity manipulation attributes that describe explicitly the manner of the improper manipulation, such as the number of Social Security numbers used.
摘要翻译：本发明在至少一个实施例中提供了一种用于解析至少一个人的身份并列出其身份信息属性的设备，系统和方法。该系统检测该人的个人身份信息的故意和不正当的伪造。该系统计算一个操纵分数，指示该人有意和不当地尝试操纵其身份信息的可能性。操纵分数可以基于个人身份信息变化的数量，类型和系统性质。该系统还计算一组识别操纵属性，这些属性明确地描述了不当操作的方式，例如使用的社会保险号码的数量。

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