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1. 发明授权

US07865427B2 Method and apparatus for evaluating fraud risk in an electronic commerce transaction 有权
标题翻译：用于评估电子商务交易中的欺诈风险的方法和装置
公开(公告)号：US07865427B2
公开(公告)日：2011-01-04
申请号：US10142271
申请日：2002-05-08
申请人： William Wright , Hung-Tzaw Hu
发明人： William Wright , Hung-Tzaw Hu
IPC分类号： G06Q40/00
CPC分类号： G06Q20/40 , G06Q20/04 , G06Q20/10 , G06Q20/4016 , G06Q20/403 , G06Q30/0609 , G06Q40/00 , G06Q40/025 , G06Q40/08 , G07F7/08
摘要： According to one aspect, transaction information is received and applied to multiple fraud risk mathematical models that each produce a respective raw score, which are transformed with respective sigmoidal transform functions to produce optimized likelihood of fraud risk estimates to provide to a merchant. In one embodiment, the respective fraud risk estimates are combined using fusion proportions that are associated with the respective risk estimates, producing a single point risk estimate, which is transformed with a sigmoidal function to produce an optimized single point risk estimate for the transaction. The sigmoidal functions are derived to approximate a relationship between risk estimates produced by fraud risk detection models and a percentage of transactions associated with respective risk estimates, where the relationship is represented in terms of real-world distributions of fraudulent transaction and non-fraudulent transaction. One embodiment is directed to computing respective risk test penalties for multiple risk tests in one or more of the multiple fraud risk mathematical models used to estimate the likelihood of fraud, given a certain pattern of events represented by the transaction information, wherein the respective risk test penalties are computed as the inverse of the sum of one and a false positive ratio for the respective risk test.
摘要翻译：根据一个方面，交易信息被接收并应用于多个欺诈风险数学模型，每个欺诈风险数学模型产生相应的原始分数，其通过相应的S形变换函数进行变换，以产生欺诈风险估计提供给商家的最佳可能性。在一个实施例中，使用与相应风险估计相关联的融合比例来组合相应的欺诈风险估计，从而产生用S形函数变换以产生交易的优化单点风险估计的单点风险估计。衍生出S形函数近似由欺诈风险检测模型产生的风险估计与与相应风险估计相关联的交易的百分比之间的关系，其中关系以欺诈交易和非欺诈交易的真实世界分布来表示。一个实施例涉及在给定由交易信息表示的某种事件模式的情况下，计算用于估计欺诈可能性的多个欺诈风险数学模型中的一个或多个风险测试的各个风险测试处罚，其中相应的风险测试惩罚计算为相应风险测试的一个和一个假阳性比率之和的倒数。

2. 发明授权

US08019678B2 Method and apparatus for evaluating fraud risk in an electronic commerce transaction 有权
标题翻译：用于评估电子商务交易中的欺诈风险的方法和装置
公开(公告)号：US08019678B2
公开(公告)日：2011-09-13
申请号：US12939080
申请日：2010-11-03
申请人： William Wright , Hung-Tzaw Hu
发明人： William Wright , Hung-Tzaw Hu
IPC分类号： G06Q40/00
CPC分类号： G06Q20/40 , G06Q20/04 , G06Q20/10 , G06Q20/4016 , G06Q20/403 , G06Q30/0609 , G06Q40/00 , G06Q40/025 , G06Q40/08 , G07F7/08
摘要： Transaction information is received and applied to multiple fraud risk mathematical models that each produce a respective raw score, which are transformed with respective sigmoidal transform functions to produce optimized likelihood of fraud risk estimates to provide to a merchant. Respective fraud risk estimates are combined using fusion proportions associated with the respective risk estimates, producing a single point risk estimate, which is transformed with a sigmoidal function to produce an optimized single point risk estimate. The sigmoidal functions approximate a relationship between risk estimates produced by fraud risk detection models and a percentage of transactions associated with respective risk estimates; the relationship is represented in terms of real-world distributions of fraudulent and non-fraudulent transaction.
摘要翻译：交易信息被接收并且应用于多个欺诈风险数学模型，每个产生相应的原始分数，这些分数用相应的S形变换函数进行变换，以产生欺诈风险估计提供给商家的最佳可能性。使用与相应风险估计相关联的融合比例来组合相应的欺诈风险估计，产生单点风险估计，其用S形函数变换以产生优化的单点风险估计。 S形函数近似于欺诈风险检测模型产生的风险估计与与各风险估计相关的交易百分比之间的关系; 该关系以欺诈和非欺诈交易的现实世界分布来表示。

3. 发明申请

US20110047044A1 Method and Apparatus for Evaluating Fraud Risk in an Electronic Commerce Transaction 有权
标题翻译：电子商务交易中欺诈风险评估的方法与设备
公开(公告)号：US20110047044A1
公开(公告)日：2011-02-24
申请号：US12939080
申请日：2010-11-03
申请人： William Wright , Hung-Tzaw Hu
发明人： William Wright , Hung-Tzaw Hu
IPC分类号： G06Q30/00
CPC分类号： G06Q20/40 , G06Q20/04 , G06Q20/10 , G06Q20/4016 , G06Q20/403 , G06Q30/0609 , G06Q40/00 , G06Q40/025 , G06Q40/08 , G07F7/08
摘要： Transaction information is received and applied to multiple fraud risk mathematical models that each produce a respective raw score, which are transformed with respective sigmoidal transform functions to produce optimized likelihood of fraud risk estimates to provide to a merchant. Respective fraud risk estimates are combined using fusion proportions associated with the respective risk estimates, producing a single point risk estimate, which is transformed with a sigmoidal function to produce an optimized single point risk estimate. The sigmoidal functions approximate a relationship between risk estimates produced by fraud risk detection models and a percentage of transactions associated with respective risk estimates; the relationship is represented in terms of real-world distributions of fraudulent and non-fraudulent transaction.
摘要翻译：交易信息被接收并且应用于多个欺诈风险数学模型，每个产生相应的原始分数，这些分数用相应的S形变换函数进行变换，以产生欺诈风险估计提供给商家的最佳可能性。使用与相应风险估计相关联的融合比例来组合相应的欺诈风险估计，产生单点风险估计，其用S形函数变换以产生优化的单点风险估计。 S形函数近似于欺诈风险检测模型产生的风险估计与与各风险估计相关的交易百分比之间的关系; 该关系以欺诈和非欺诈交易的现实世界分布来表示。

4. 发明申请

US20110276468A1 Method And Apparatus For Evaluating Fraud Risk In An Electronic Commerce Transaction 有权
标题翻译：电子商务交易中欺诈风险评估的方法与装置
公开(公告)号：US20110276468A1
公开(公告)日：2011-11-10
申请号：US13168795
申请日：2011-06-24
申请人： Michael Lewis , Frank King , Thomas Arnold , William Wright , John Pettit
发明人： Michael Lewis , Frank King , Thomas Arnold , William Wright , John Pettit
IPC分类号： G06Q40/00
CPC分类号： G06Q20/12 , G06Q10/0635 , G06Q20/10 , G06Q20/3674 , G06Q20/3829 , G06Q20/40 , G06Q20/4016 , G06Q30/0185 , G06Q30/02 , G06Q40/00 , G06Q40/025
摘要： Evaluating fraud risk in a transaction between consumer and a merchant over a network is disclosed. The merchant requests service 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. A risk score is generated and compared to the merchant's specified risk threshold. The result is returned to the merchant for order disposition.
摘要翻译：公开了通过网络对消费者和商家之间的交易中的欺诈风险进行评估。商家使用安全的，开放的消息传递协议通过网络请求服务。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。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。

5. 发明申请

US20100185984A1 SYSTEM AND METHOD FOR VISUALIZING CONNECTED TEMPORAL AND SPATIAL INFORMATION AS AN INTEGRATED VISUAL REPRESENTATION ON A USER INTERFACE 有权
标题翻译：用于将连接的时间和空间信息视为用户界面上的集成视觉表示的系统和方法
公开(公告)号：US20100185984A1
公开(公告)日：2010-07-22
申请号：US12629774
申请日：2009-12-02
申请人： William Wright , Thomas Kapler
发明人： William Wright , Thomas Kapler
IPC分类号： G06F3/048
CPC分类号： G06T11/206 , G06F17/30241 , G06F17/3087
摘要： A system and method for configuring the presentation of a plurality of presentation elements in a visual representation on a user interface, the presentation elements having both temporal and spatial parameters, the method comprising the steps of: defining a time bar with a time scale having time indicators as subdivisions of the time scale and having a first global temporal limit and a second temporal global limit of the time scale for defining a temporal domain of the presentation elements, defining a focus range of the time bar such that the focus range has a first local temporal limit and a second local temporal limit wherein the first local temporal limit is greater than or equal to the first global temporal limit and the second local temporal limit is less than or equal to the second global temporal limit; defining a focus bar having a focus time scale having focus time indicators as subdivisions of the focus time scale and having the first and second local temporal limits as the extents of the focus time scale, such that the focus time scale is an expansion of the time scale; and displaying a set of presentation elements selected from the plurality of presentation elements based on the respective temporal parameter of each of the set of presentation elements is within the first and second local temporal limits.
摘要翻译：一种用于在用户界面上的视觉表示中配置多个呈现元素的呈现的系统和方法，所述呈现元素具有时间和空间参数，所述方法包括以下步骤：定义具有时间尺度的时间段具有时间指示符作为时间尺度的细分并且具有用于定义呈现元素的时间域的时间尺度的第一全局时间极限和第二时间全局极限，定义时间棒的焦距范围使得焦点范围具有第一局部时间极限和第二局部时间极限，其中第一局部时间极限大于或等于第一全局时间极限，而第二局部时间极限小于或等于第二全局时间极限; 定义具有聚焦时间尺度的焦点时间标度，其焦点时间标度具有焦点时间标度的细分，并且具有第一和第二局部时间极限作为焦点时间刻度的范围，使得焦点时间尺度是时间的扩展规模; 并且基于所述一组呈现元素中的每一个的相应时间参数来显示从所述多个呈现元素中选择的一组呈现元素在所述第一和第二局部时间限制内。

6. 发明授权

US07499046B1 System and method for visualizing connected temporal and spatial information as an integrated visual representation on a user interface 有权
标题翻译：将连接的时间和空间信息可视化为在用户界面上的集成视觉表示的系统和方法
公开(公告)号：US07499046B1
公开(公告)日：2009-03-03
申请号：US11078330
申请日：2005-03-14
申请人： William Wright , Thomas Kapler
发明人： William Wright , Thomas Kapler
IPC分类号： G06T1/00 , G06T15/00
CPC分类号： G06F17/30029 , G06F17/30061 , G06F17/30064 , G06F17/30241
摘要： A system includes a visualization manager for assembling the group of data elements and for assigning a connection visual element in the visual representation between a first visual element representing a first data element of the group and a second visual element representing a second data element of the group. The system also has a spatial visualization component configured for generating a spatial domain of the visual representation to include a reference surface for providing a spatial reference frame having at least two spatial dimensions. The reference surface is for relating the first visual element to a first location of interest in the spatial reference frame and for relating the second visual element to a second location of interest in the spatial reference frame. The system also has a temporal visualization component configured for generating a temporal domain of the visual representation operatively coupled to the spatial domain, the temporal domain for providing a common temporal reference frame for the locations of interest. The temporal domain includes a first time track, such as a timeline, coupled to the first location of interest and a second time track coupled to the second location of interest, such that the first visual element is positioned on the first time track and the second visual element is positioned on the second time track. Each of the time tracks are configured for visually representing a respective temporal sequence of a plurality of the data elements at each of the locations of interest of the reference surface.
摘要翻译：一种系统包括可视化管理器，用于组合数据元素组，并且用于在表示该组的第一数据元素的第一视觉元素和表示该组的第二数据元素的第二视觉元素之间的视觉表示中分配连接可视元素。该系统还具有空间可视化部件，其被配置用于生成视觉表示的空间域，以包括用于提供具有至少两个空间维度的空间参考系的参考表面。参考表面用于将第一视觉元素与空间参考帧中的感兴趣的第一位置相关联，并且用于将第二视觉元素与空间参考帧中的感兴趣的第二位置相关联。该系统还具有时间可视化部件，其被配置用于生成可操作地耦合到空间域的视觉表示的时域，该时域包括用于为感兴趣的位置提供公共时间参考帧。时域包括耦合到感兴趣的第一位置的第一时间轨迹，例如时间线，以及耦合到感兴趣的第二位置的第二时间轨迹，使得第一视觉元素位于第一时间轨道上，而第二时间轨道视觉元素位于第二时间轨道上。每个时间轨迹被配置为在参考表面的感兴趣的每个位置处可视地表示多个数据元素的相应时间序列。

7. 发明申请

US20060191424A1 Apparatus and method of ultrasonic cleaning and disinfection 有权
标题翻译：超声波清洗消毒装置及方法
公开(公告)号：US20060191424A1
公开(公告)日：2006-08-31
申请号：US11348732
申请日：2006-02-06
申请人： Arthur McLoughlin , Daren Bates , Andrew Yap , William Wright
发明人： Arthur McLoughlin , Daren Bates , Andrew Yap , William Wright
IPC分类号： A23L3/30
CPC分类号： B06B3/00 , A61L2/025 , B08B3/12 , B08B9/08 , B08B2209/005 , C02F1/02 , C02F1/36 , C02F2303/20
摘要： An apparatus for and method of disinfecting the interior surfaces of barrels and destroying microorganisms is disclosed. In one embodiment, an ultrasonic apparatus includes a sonotrode encased in a sheath, placed within a bunghole of a barrel. An ultrasonic generator is connected to the sonotrode. The ultrasonic apparatus also includes an ultrasonic transducer connected to the ultrasonic generator and associated with the sonotrode.
摘要翻译：公开了一种用于消毒桶的内表面和破坏微生物的装置和方法。在一个实施例中，超声波装置包括放置在护套中的超声波发生器，放置在枪管的孔内。超声波发生器连接到超声波发生器。超声波装置还包括连接到超声波发生器并与超声波发生器相关联的超声波换能器。

8. 发明申请

US20050227051A1 Flooring display panel with durable label 审中-公开
公开(公告)号：US20050227051A1
公开(公告)日：2005-10-13
申请号：US11113477
申请日：2005-04-25
申请人： William Wright
发明人： William Wright
IPC分类号： B44C1/10 , B44C5/04 , G09F19/22 , B32B3/00
CPC分类号： B44C5/0446 , B44C1/105 , G09F19/22 , Y10T428/24868
摘要： A flooring display sample is disclosed having a durable and attractive information label attached thereon. The flooring display sample includes a panel comprising at least one flooring material and having an outer face. A label is adhered to the outer face of the display panel. The label includes a substantially transparent polymeric film having a front face and a back face. Indicia are reverse printed on the back face of the substantially transparent polymeric film. A backing film is adhered on the back face of the substantially transparent polymeric film and the printed indicia thereon. The reverse-printed indicia are visible through the front face of the substantially transparent polymeric film. The label may further include a protective coating on the back face of the substantially transparent polymeric film and the printed indicia thereon, and the backing film may substantially cover the protective coating.

9. 发明申请

US20050126146A1 Walk-behind lawn mower 有权
标题翻译：步行式割草机
公开(公告)号：US20050126146A1
公开(公告)日：2005-06-16
申请号：US10712261
申请日：2003-11-14
申请人： James Velke , William Wright
发明人： James Velke , William Wright
IPC分类号： A01D34/82 , A01D69/10 , A01D34/03
CPC分类号： A01D34/824 , A01D34/82 , A01D69/10 , A01D2101/00
摘要： A walk-behind lawn mower includes at least one of: (a) a latch assembly for receiving a folded-up sulky for storage during transport and the like; (b) inboard mounted control rods extending downwardly from a handle control assembly area of the mower, so that actuator shafts for the hydraulic pumps are located on inboard sides of the pumps so as to oppose one another; (c) a handle control assembly for allowing the mower to be operated in an efficient manner with operator comfort during turns and the like; and/or (d) a pump lock-out system including a lever(s) for actuating both a braking force to be applied to at least one wheel of the mower and a pump lock-out system for causing the pumps to be locked in a neutral position.
摘要翻译：步行式割草机包括以下中的至少一个：（a）用于在运输等期间接收折叠起来以储存的折叠组件; （b）从割草机的手柄控制组件区域向下延伸的内置安装的控制杆，使得液压泵的致动器轴位于泵的内侧，以便彼此相对; （c）手柄控制组件，用于允许割草机在转弯等操作时以有效的方式操作; 和/或（d）泵锁定系统，其包括用于致动施加到割草机的至少一个轮的制动力的杠杆和用于使泵锁定的泵锁定系统中立位置

10. 发明申请

US20050012743A1 System and method for visualizing connected temporal and spatial information as an integrated visual representation on a user interface 有权
公开(公告)号：US20050012743A1
公开(公告)日：2005-01-20
申请号：US10810680
申请日：2004-03-29
申请人： Thomas Kapler , William Wright
发明人： Thomas Kapler , William Wright
IPC分类号： G06F3/14 , G06F17/30 , G06T15/00
CPC分类号： G06F17/30061 , G06F17/30064
摘要： As data about events and objects become more commonly available, analyzing and understanding of interrelated temporal and spatial information is increasingly a concern for military commanders, intelligence analysts and business analysts. A system and method is provided for creating a multidimensional visual representation of a group of data elements having integrated temporal and spatial properties. The data elements are included in the visual representation as corresponding visual elements, such that the data elements of the group linked by at least one association. The system includes a visualization manager for assembling the group of data elements using the at least one association and for assigning a connection visual element in the visual representation between a first visual element representing a first data element of the group and a second visual element representing a second data element of the group. The system also has a spatial visualization component, such as a sprite, configured for generating a spatial domain of the visual representation to include a reference surface for providing a spatial reference frame having at least two spatial dimensions. The reference surface is for relating the first visual element to a first location of interest in the spatial reference frame and for relating the second visual element to a second location of interest in the spatial reference frame. The system also has a temporal visualization component, such as a sprite, configured for generating a temporal domain of the visual representation operatively coupled to the spatial domain, the temporal domain for providing a common temporal reference frame for the locations of interest. The temporal domain includes a first time track, such as a timeline, coupled to the first location of interest and a second time track coupled to the second location of interest, such that the first visual element is positioned on the first time track and the second visual element is positioned on the second time track. Each of the time tracks configured for visually representing a respective temporal sequence of a plurality of the data elements at each of the locations of interest of the reference surface. In implementation of the method, the connection visual element represents a distributed association in at least one of the domains between the first visual element and the second visual element such that the visual representation is displayed on a user interface for subsequent interaction with user events, including animation of the visual elements to help in the analysis of the data contained in the visual representation.

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