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1. 发明授权

US08175897B2 Score based decisioning 有权
标题翻译：基于分数决策
公开(公告)号：US08175897B2
公开(公告)日：2012-05-08
申请号：US11738362
申请日：2007-04-20
申请人： Walter W. Lee , Daniel Shoham , Wesley K. Wilhelm , Joseph P. Milana , Allen P. Jost
发明人： Walter W. Lee , Daniel Shoham , Wesley K. Wilhelm , Joseph P. Milana , Allen P. Jost
IPC分类号： G06Q40/00
CPC分类号： G06Q30/06 , G06Q30/0601 , G06Q30/0609 , G06Q40/00 , G06Q40/025 , G06Q40/08
摘要： The invention aids an entity operating on the Internet or on another network to selectively request additional data about a user who has made a request for an interaction with the entity. The invention helps an entity to determine when and how to request additional data so as to reduce the likelihood of causing the user to have an adverse reaction, e.g., terminate the interaction. One embodiment of the invention concerns customers requesting transactions with on-line merchants. More specifically, this embodiment aids merchants by detecting Internet credit card transactions that are likely to be fraudulent, and providing the merchants with mechanisms for managing a suspected transaction as it occurs to obtain additional information that can be useful to reducing the likelihood of fraud.
摘要翻译：本发明有助于在因特网或另一网络上操作的实体选择性地请求关于已经做出与该实体进行交互的请求的用户的附加数据。本发明有助于实体确定何时以及如何请求附加数据，以便减少使用户产生不利反应（例如终止交互）的可能性。本发明的一个实施例涉及请求与在线商户交易的客户。更具体地，该实施例通过检测可能是欺诈性的互联网信用卡交易来帮助商家，并且为商家提供用于管理可疑交易的机制，以获得可用于减少欺诈可能性的附加信息。

2. 发明授权

US07251624B1 Score based decisioning 有权
标题翻译：基于分数决策
公开(公告)号：US07251624B1
公开(公告)日：2007-07-31
申请号：US09675992
申请日：2000-09-29
申请人： Walter W. Lee , Daniel Shoham , Wesley K. Wilhelm , Joseph P. Milana , Alan P. Jost
发明人： Walter W. Lee , Daniel Shoham , Wesley K. Wilhelm , Joseph P. Milana , Alan P. Jost
IPC分类号： G06Q40/00
CPC分类号： G06Q30/06 , G06Q30/0601 , G06Q30/0609 , G06Q40/00 , G06Q40/025 , G06Q40/08
摘要： The invention aids an entity to selectively request additional data about a user to serve the needs of the entity without causing the user to have an adverse reaction. The invention helps an entity to determine the condition under which to request additional data so as to reduce the likelihood of causing the user to have an adverse reaction, e.g., terminate the interaction. One embodiment of the invention concerns customers requesting transactions with on-line merchants. More specifically, this embodiment aids merchants by detecting Internet credit card transactions that are likely to be fraudulent, and providing the merchants with mechanisms for managing a suspected transaction as it occurs to obtain additional information that can be useful to reducing the likelihood of fraud.
摘要翻译：本发明有助于实体选择性地请求关于用户的附加数据以满足实体的需要而不会导致用户具有不利的反应。本发明帮助实体确定要求附加数据的条件，以便减少使得用户具有不利反应（例如终止交互）的可能性。本发明的一个实施例涉及请求与在线商户交易的客户。更具体地，该实施例通过检测可能是欺诈性的互联网信用卡交易来帮助商家，并且为商家提供用于管理可疑交易的机制，以获得可用于减少欺诈可能性的附加信息。

3. 发明授权

US08065233B2 Identification and management of fraudulent credit/debit card purchases at merchant ecommerce sites 有权
标题翻译：识别和管理商家电子商务网站上的欺诈性信用卡/借记卡购买
公开(公告)号：US08065233B2
公开(公告)日：2011-11-22
申请号：US11828805
申请日：2007-07-26
申请人： Walter W. Lee , Joseph P. Milana , Wesley K. Wilhelm , Min Shao
发明人： Walter W. Lee , Joseph P. Milana , Wesley K. Wilhelm , Min Shao
IPC分类号： G06Q40/00
CPC分类号： G06Q30/06 , G06Q20/04 , G06Q20/10 , G06Q20/3821 , G06Q20/40 , G06Q20/4014 , G06Q20/4016 , G06Q30/0185 , G06Q40/025 , G06Q40/06
摘要： Transaction processing of online transactions at merchant sites determines the likelihood that such transactions are fraudulent, accounting for unreliable fields of a transaction order, which fields do not reliably identify a purchaser. A scoring server using statistical model uses multiple profiles associated with key fields, along with weights to indicate the degree to which the profiles identify the purchaser of the transaction.
摘要翻译：商户网站交易的交易处理决定了这种交易是欺诈性的可能性，占交易订单不可靠的领域，哪些领域不能可靠地识别买方。使用统计模型的评分服务器使用与关键字段相关联的多个配置文件，以及权重来指示配置文件识别交易购买者的程度。

4. 发明授权

US07263506B2 Identification and management of fraudulent credit/debit card purchases at merchant ecommerce sites 有权
标题翻译：识别和管理商家电子商务网站上的欺诈性信用卡/借记卡购买
公开(公告)号：US07263506B2
公开(公告)日：2007-08-28
申请号：US09782681
申请日：2001-02-12
申请人： Walter W. Lee , Joseph P. Milana , Wesley K. Wilhelm , Min Shao
发明人： Walter W. Lee , Joseph P. Milana , Wesley K. Wilhelm , Min Shao
IPC分类号： G06Q40/00
CPC分类号： G06Q30/06 , G06Q20/04 , G06Q20/10 , G06Q20/3821 , G06Q20/40 , G06Q20/4014 , G06Q20/4016 , G06Q30/0185 , G06Q40/025 , G06Q40/06
摘要： Transaction processing of online transactions at merchant sites determines the likelihood that such transactions are fraudulent, accounting for unreliable fields of a transaction order, which fields do not reliably identify a purchaser. A scoring server using statistical model uses multiple profiles associated with key fields, along with weights to indicate the degree to which the profiles identify the purchaser of the transaction.
摘要翻译：商户网站交易的交易处理决定了这种交易是欺诈性的可能性，占交易订单不可靠的领域，哪些领域不能可靠地识别买方。使用统计模型的评分服务器使用与关键字段相关联的多个配置文件，以及权重来指示配置文件识别交易购买者的程度。

5. 发明授权

US09438570B2 Consumer-driven secure sockets layer modulator 有权
标题翻译：消费者驱动的安全套接字层调制器
公开(公告)号：US09438570B2
公开(公告)日：2016-09-06
申请号：US11705663
申请日：2007-02-12
申请人： Joseph P. Milana , Stuart L. Crawford , Ronald L. Martin
发明人： Joseph P. Milana , Stuart L. Crawford , Ronald L. Martin
IPC分类号： G06Q20/00 , H04L29/06 , G06Q20/38 , G07F7/08
CPC分类号： H04L63/0442 , G06Q20/38 , G06Q20/382 , G07F7/084 , H04L63/166
摘要： A software system and method for executing secure commercial transactions online is disclosed. The system intercepts and verifies, against consumer provided inputs, Secure Socket Layer (SSL) communications from normal Web browser usage. The system can include a software module loaded onto the consumer's client computer, and which uses independently-derived look-ups to associate a web domain name with its SSL public key to verify that a given web session is appropriately encrypted.
摘要翻译：公开了一种用于在线执行安全商业交易的软件系统和方法。系统根据消费者提供的输入，从正常的Web浏览器使用中截取并验证安全套接层（SSL）通信。该系统可以包括加载到消费者的客户端计算机上的软件模块，并且使用独立导出的查询来将web域名与其SSL公钥相关联，以验证给定的web会话是否被适当地加密。

6. 发明授权

US07853526B2 Data transaction profile compression 有权
标题翻译：数据交易配置文件压缩
公开(公告)号：US07853526B2
公开(公告)日：2010-12-14
申请号：US11800348
申请日：2007-05-04
申请人： Joseph P. Milana
发明人： Joseph P. Milana
IPC分类号： G06Q40/00
CPC分类号： G06Q20/02 , G06Q20/10 , G06Q20/105 , G06Q20/389 , G06Q20/4016 , G06Q30/02 , G06Q40/00 , G06Q40/025
摘要： Techniques for compressing data transaction history profiles are disclosed. Such profiles can include a plurality of profile variables with each profile variable comprising a real number that provides a factor for determining whether a proposed data transaction is indicative of fraud. A bit string is generated for each profile variable in the profiles that characterizes a first value plus a second value. The first value is equal to a mantissa for the real number corresponding to the profile variable. The second value is equal to a number of orders of magnitude above a minimum required expressed as multiples of the number of orders magnitude required to represent the plurality of real numbers in each the plurality of transaction history profiles divided by a range of bits. The generated bit string is stored as compressed profile variable within the data transaction history profiles. Related systems, apparatus, methods, and/or articles are also described.
摘要翻译：公开了用于压缩数据交易历史概况的技术。这样的简档可以包括多个简档变量，其中每个简档变量包括实数，其提供用于确定所提出的数据事务是否指示欺诈的因素。对于表征第一个值加上第二个值的配置文件中的每个配置文件变量生成一个位串。第一个值等于对应于轮廓变量的实数的尾数。第二个值等于高于最小值数量级的数量，表示为表示多个交易历史图表中每个多个交易历史曲线除以一个比特范围的多个实数所需的数量级数的倍数。生成的位串在数据事务历史配置文件中作为压缩配置文件变量存储。还描述了相关系统，装置，方法和/或制品。

7. 发明授权

US07813981B2 Apparatus and method for simulating an analytic value chain 有权
公开(公告)号：US07813981B2
公开(公告)日：2010-10-12
申请号：US11463245
申请日：2006-08-08
申请人： Gerald Fahner , Joseph P. Milana
发明人： Gerald Fahner , Joseph P. Milana
IPC分类号： G06Q40/00
CPC分类号： G06Q10/00 , G06Q20/10 , G06Q40/00 , G06Q40/025
摘要： A computer-implemented simulator models the entire analytic value chain so that data generation, model fitting and strategy optimization are an integral part of the simulation. Data collection efforts, data mining algorithms, predictive modeling technologies and strategy development methodologies define the analytic value chain of a business operation: data→models→strategies→profit. Inputs to the simulator include consumer data and potential actions to be taken regarding a consumer or account. The invention maps what is known about a consumer or an account and the potential actions that the business can take on that consumer or account to potential future financial performance. After iteratively performing simulations using varying inputs, modeling the effect of the innovation on a profit model, the simulator outputs a prediction of the commercial value of an analytic innovation.

8. 发明申请

US20080313073A1 APPARATUS AND METHOD FOR SIMULATING AN ANALYTIC VALUE CHAIN 有权
标题翻译：用于模拟分析价值链的装置和方法
公开(公告)号：US20080313073A1
公开(公告)日：2008-12-18
申请号：US12143428
申请日：2008-06-20
申请人： Gerald Fahner , Joseph P. Milana
发明人： Gerald Fahner , Joseph P. Milana
IPC分类号： G06Q40/00
CPC分类号： G06Q10/00 , G06Q20/10 , G06Q40/00 , G06Q40/025
摘要： A computer-implemented simulator models the entire analytic value chain so that data generation, model fitting and strategy optimization are an integral part of the simulation. Data collection efforts, data mining algorithms, predictive modeling technologies and strategy development methodologies define the analytic value chain of a business operation: data→models→strategies→profit. Inputs to the simulator include consumer data and potential actions to be taken regarding a consumer or account. The invention maps what is known about a consumer or an account and the potential actions that the business can take on that consumer or account to potential future financial performance. After iteratively performing simulations using varying inputs, modeling the effect of the innovation on a profit model, the simulator outputs a prediction of the commercial value of an analytic innovation.
摘要翻译：计算机实现的模拟器建模整个分析价值链，使数据生成，模型拟合和策略优化成为模拟的重要组成部分。数据收集工作，数据挖掘算法，预测建模技术和策略开发方法定义了业务运营的分析价值链：数据 - 模型 - 策略 - 利润。对模拟器的输入包括消费者数据和对消费者或帐户采取的潜在行动。本发明将已知的消费者或帐户以及企业可能对该消费者或帐户采取的潜在行动映射到潜在的未来财务业绩。在使用不同的输入迭代地执行模拟之后，对创新对利润模型的影响进行建模，模拟器输出了分析创新的商业价值的预测。

9. 发明授权

US08677129B2 Consumer-driven secure sockets layer modulator 有权
标题翻译：消费者驱动的安全套接字层调制器
公开(公告)号：US08677129B2
公开(公告)日：2014-03-18
申请号：US12120215
申请日：2008-05-13
申请人： Joseph P. Milana , Stuart L. Crawford
发明人： Joseph P. Milana , Stuart L. Crawford
IPC分类号： G06F21/00
CPC分类号： H04L9/3226 , H04L63/12 , H04L63/1441 , H04L63/1466 , H04L2209/56
摘要： A software system and method for executing secure commercial transactions online is disclosed. A user's password is received to initiate secure socket layer (SSL) communications with a transaction site on a server. A web session associated with the SSL communications is encrypted by associating a domain name of the transaction site with its SSL public key. Then, the user's password is added to a hypertext markup language (HTML) header of a message within the web session. When added, the password is invisible to a hypothetical man-in-the-middle (MITM) attacker, who cannot read the encrypted message nor mimic the user. The MITM is thus unable to compromise the user's account as the MITM is unable to provide the correct password into any fraudulent message.
摘要翻译：公开了一种用于在线执行安全商业交易的软件系统和方法。接收用户的密码以启动与服务器上的事务站点的安全套接字层（SSL）通信。与SSL通信相关联的Web会话通过将事务站点的域名与其SSL公钥相关联来加密。然后，用户密码被添加到web会话内的消息的超文本标记语言（HTML）头部。当添加时，密码对于假设的中间人（MITM）攻击者是不可见的，谁不能读取加密的消息，也不会模仿用户。因此，MITM无法妥协用户的帐户，因为MITM无法向任何欺诈性消息提供正确的密码。

10. 发明授权

US07774272B2 Apparatus and method for simulating an analytic value chain 有权
标题翻译：用于模拟分析价值链的装置和方法
公开(公告)号：US07774272B2
公开(公告)日：2010-08-10
申请号：US12143453
申请日：2008-06-20
申请人： Gerald Fahner , Joseph P. Milana
发明人： Gerald Fahner , Joseph P. Milana
IPC分类号： G06Q40/00
CPC分类号： G06Q10/00 , G06Q20/10 , G06Q40/00 , G06Q40/025
摘要： A computer-implemented simulator models the entire analytic value chain so that data generation, model fitting and strategy optimization are an integral part of the simulation. Data collection efforts, data mining algorithms, predictive modeling technologies and strategy development methodologies define the analytic value chain of a business operation: data→models→strategies→profit. Inputs to the simulator include consumer data and potential actions to be taken regarding a consumer or account. The invention maps what is known about a consumer or an account and the potential actions that the business can take on that consumer or account to potential future financial performance. After iteratively performing simulations using varying inputs, modeling the effect of the innovation on a profit model, the simulator outputs a prediction of the commercial value of an analytic innovation.
摘要翻译：计算机实现的模拟器建模整个分析价值链，使数据生成，模型拟合和策略优化成为模拟的重要组成部分。数据收集工作，数据挖掘算法，预测建模技术和策略开发方法定义了业务运营的分析价值链：数据→模型→策略→利润。对模拟器的输入包括消费者数据和对消费者或帐户采取的潜在行动。本发明将已知的消费者或帐户以及企业可能对该消费者或帐户采取的潜在行动映射到潜在的未来财务业绩。在使用不同的输入迭代地执行模拟之后，对创新对利润模型的影响进行建模，模拟器输出了分析创新的商业价值的预测。

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