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1. 发明申请

US20110208601A1 SYSTEM AND METHOD FOR FINANCIAL TRANSACTION AUTHENTICATION USING TRAVEL INFORMATION 审中-公开
标题翻译：使用旅游信息进行金融交易认证的系统和方法
公开(公告)号：US20110208601A1
公开(公告)日：2011-08-25
申请号：US13030794
申请日：2011-02-18
申请人： William M. Ferguson , Steven A. Wickert , Mary A. Reeder , Anu K. Pathria
发明人： William M. Ferguson , Steven A. Wickert , Mary A. Reeder , Anu K. Pathria
IPC分类号： G06Q40/00 , G06Q20/00
CPC分类号： G06Q20/40 , G06Q20/18 , G06Q20/20 , G06Q20/4016 , G06Q30/06 , G06Q40/02
摘要： Systems and methods for verifying a distant-from-home financial transaction related to a customer account based on travel indicators in earlier purchase transactions made by that customer.
摘要翻译：基于该客户早期购买交易中的旅行指标来验证与客户账户相关的远离家庭金融交易的系统和方法。

2. 发明授权

US06330546B1 Risk determination and management using predictive modeling and transaction profiles for individual transacting entities 有权
标题翻译：风险确定和管理使用个人交易实体的预测模型和交易简档
公开(公告)号：US06330546B1
公开(公告)日：2001-12-11
申请号：US09167102
申请日：1998-10-05
申请人： Krishna M. Gopinathan , Allen Jost , Louis S. Biafore , William M. Ferguson , Michael A. Lazarus , Anu K. Pathria
发明人： Krishna M. Gopinathan , Allen Jost , Louis S. Biafore , William M. Ferguson , Michael A. Lazarus , Anu K. Pathria
IPC分类号： G06F1760
CPC分类号： G07F7/08 , G06Q20/00 , G06Q20/40 , G06Q20/4016 , G06Q20/403 , G06Q30/02 , G06Q40/00 , G06Q40/02 , G06Q40/025 , H04M15/47 , H04M2215/0148
摘要： An automated system and method detects fraudulent transactions using a predictive model such as a neural network to evaluate individual customer accounts and identify potentially fraudulent transactions based on learned relationships among known variables. The system may also output reason codes indicating relative contributions of various variables to a particular result. The system periodically monitors its performance and redevelops the model when performance drops below a predetermined level.
摘要翻译：自动化系统和方法使用诸如神经网络的预测模型来检测欺诈交易，以评估个人客户账户并且基于已知变量之间的学习关系来识别潜在的欺诈交易。系统还可以输出指示各种变量对特定结果的相对贡献的原因代码。当性能下降到预定水平以下时，系统会定期监控其性能并重新开发模型。

3. 发明授权

US07813944B1 Detection of insurance premium fraud or abuse using a predictive software system 有权
标题翻译：使用预测软件系统检测保险费欺诈或滥用
公开(公告)号：US07813944B1
公开(公告)日：2010-10-12
申请号：US09373926
申请日：1999-08-12
申请人： Ho Ming Luk , Pamela E. Coates , Arati S. Deo , Sean M. Downs , Benjamin A. Friesen , Craig A. Nies , Anu K. Pathria
发明人： Ho Ming Luk , Pamela E. Coates , Arati S. Deo , Sean M. Downs , Benjamin A. Friesen , Craig A. Nies , Anu K. Pathria
IPC分类号： G06Q40/00 , G06Q10/00 , G06F19/00
CPC分类号： G06Q40/08 , G06F19/00 , G06Q50/22 , G06Q50/24
摘要： Detection of insurance premium fraud is provided by a predictive model, which uses derived variables to assess the likelihood of fraud for each policy. The predictive model produces a score, which is a measure of the likelihood of premium fraud or abuse. The predictive model is included in a system that accepts policies to be considered for scoring, selects which policies are appropriate for scoring, stores data about the policies in a database, uses the data to derive variables for the model, and processes and outputs the model scores and related information. A rule-based analysis, which detects specific inconsistencies in the data that are indicative of premium fraud, may also be part of the system. The model scores and red-flag indicators from the rule-based analysis may be further processed to provide customized output for users.
摘要翻译：保险费欺诈的检测由预测模型提供，预测模型使用派生变量来评估每项政策的欺诈可能性。预测模型产生一个分数，这是对高级欺诈或滥用的可能性的度量。预测模型包含在接受考虑评估的策略的系统中，选择适合评分的策略，将有关策略的数据存储在数据库中，使用数据来导出模型的变量，以及处理和输出模型分数和相关信息。基于规则的分析，可以检测数据中特定不一致的表示溢价欺诈，也可能是系统的一部分。可以进一步处理来自基于规则的分析的模型分数和红旗指标，以为用户提供定制输出。

4. 发明授权

US5819226A Fraud detection using predictive modeling 失效
标题翻译：使用预测建模的欺诈检测
公开(公告)号：US5819226A
公开(公告)日：1998-10-06
申请号：US941971
申请日：1992-09-08
申请人： Krishna M. Gopinathan , Louis S. Biafore , William M. Ferguson , Michael A. Lazarus , Anu K. Pathria , Allen Jost
发明人： Krishna M. Gopinathan , Louis S. Biafore , William M. Ferguson , Michael A. Lazarus , Anu K. Pathria , Allen Jost
IPC分类号： G07F7/12 , G06Q20/00 , G06Q20/40 , G06Q30/02 , G06Q40/00 , G07F7/08 , G06F157/00
CPC分类号： G07F7/08 , G06Q20/00 , G06Q20/40 , G06Q20/4016 , G06Q20/403 , G06Q30/02 , G06Q40/00 , G06Q40/02 , G06Q40/025 , H04M15/47 , H04M2215/0148
摘要： An automated system and method detects fraudulent transactions using a predictive model such as a neural network to evaluate individual customer accounts and identify potentially fraudulent transactions based on learned relationships among known variables. The system may also output reason codes indicating relative contributions of various variables to a particular result. The system periodically monitors its performance and redevelops the model when performance drops below a predetermined level.
摘要翻译：自动化系统和方法使用诸如神经网络的预测模型来检测欺诈交易，以评估个人客户账户并且基于已知变量之间的学习关系来识别潜在的欺诈交易。系统还可以输出指示各种变量对特定结果的相对贡献的原因代码。当性能下降到预定水平以下时，系统会定期监控其性能并重新开发模型。

5. 发明授权

US08666757B2 Detection of upcoding and code gaming fraud and abuse in prospective payment healthcare systems 有权
标题翻译：检测未来支付医疗保健系统中的升级代码和代码游戏欺诈和滥用
公开(公告)号：US08666757B2
公开(公告)日：2014-03-04
申请号：US10295589
申请日：2002-11-15
申请人： Nallan C Suresh , Jean de Traversay , Hyma Gollamudi , Anu K Pathria , Michael K Tyler
发明人： Nallan C Suresh , Jean de Traversay , Hyma Gollamudi , Anu K Pathria , Michael K Tyler
IPC分类号： G06Q50/00
CPC分类号： G06Q40/02 , G06F19/00 , G06Q30/02 , G06Q30/0283 , G06Q30/0603 , G06Q40/00 , G06Q50/22
摘要： Fraud and abuse detection in an entity's payment coding practices includes the ability to search for fraud at all levels of the hierarchical coded payment system within the context of an unsupervised model. The model uses variables derived and profiles created at any level or at all levels of the hierarchical coded payment system to create a comprehensive description of the payment coding activities submitted by the entity. That description is compared with other peer entities to determine unusual and potentially inappropriate activity. The profiles created may themselves be utilized for purposes other than the detection of fraud and abuse.
摘要翻译：实体的付款编码实践中的欺诈和滥用检测包括在无监督模式的上下文中搜索分层编码支付系统的所有级别的欺诈的能力。该模型使用在层级编码支付系统的任何级别或所有级别创建的变量导出和简档，以创建实体提交的支付编码活动的综合描述。该描述与其他对等实体进行比较，以确定异常和潜在不适当的活动。创建的配置文件本身可能被用于检测欺诈和滥用以外的其他目的。

6. 发明授权

US07263492B1 Sequencing models of healthcare related states 有权
标题翻译：医疗保健相关国家的排序模型
公开(公告)号：US07263492B1
公开(公告)日：2007-08-28
申请号：US10076961
申请日：2002-02-15
申请人： Nallan C Suresh , Jean de Traversay , Hyma Gollamudi , Krassimir G Ianakiev , Anu K Pathria , Michael K Tyler
发明人： Nallan C Suresh , Jean de Traversay , Hyma Gollamudi , Krassimir G Ianakiev , Anu K Pathria , Michael K Tyler
IPC分类号： G06Q50/00
CPC分类号： G06Q10/10 , G06F19/00 , G06F19/328 , G06Q50/22 , G06Q50/24 , G16H40/20
摘要： Transition probability sequencing models and metrics are derived from healthcare claims data to identify potentially fraudulent or abusive practices, providers, doctors, clients, or other entities. Healthcare reimbursement claims from hospitals, skilled nursing facilities, doctors, etc., are processed to identify sequences of states, and transition probability metrics are determined from frequency information pertaining to the states. The metrics can these be further analyzed in predictive or rule based models, or other tools.
摘要翻译：过渡概率排序模型和指标来自医疗保健索赔数据，以识别潜在的欺诈或滥用行为，提供者，医生，客户或其他实体。处理来自医院，熟练护理机构，医生等的医疗保险费用索赔，以识别状态序列，并且根据与状态相关的频率信息确定转移概率度量。这些指标可以在预测或基于规则的模型或其他工具中进一步分析。

7. 发明授权

US07418431B1 Webstation: configurable web-based workstation for reason driven data analysis 有权
标题翻译： Webstation：可配置的基于Web的工作站，用于推导数据分析
公开(公告)号：US07418431B1
公开(公告)日：2008-08-26
申请号：US09672142
申请日：2000-09-27
申请人： Craig A. Nies , Jean de Traversay , Arati S. Deo , Anu K. Pathria , Louis S. Biafore
发明人： Craig A. Nies , Jean de Traversay , Arati S. Deo , Anu K. Pathria , Louis S. Biafore
IPC分类号： G06E1/00 , G06E3/00 , G06F15/18 , G06G7/00 , G06Q10/00 , G06Q50/00
CPC分类号： G06Q10/06 , G06F17/30893
摘要： A system, computer program product, and method provide for reason driven data analysis in a web-based system that is configurable to various types of data and environments. The computer program product provides for navigation of a report tree of reports that are hierarchically organized with respect to reasons derived from an analysis of transactional data in a database. A frame based interface provides for easy and flexible navigation and configuration of the reports and other features. A configuration file is used to rapidly develop and customize the web-based system. Case management functionality is included to allow for management of cases being reviewed using the system.
摘要翻译：系统，计算机程序产品和方法提供了可配置为各种类型的数据和环境的基于Web的系统中的驱动数据分析的原因。计算机程序产品提供报告树的导航，该报告树相对于从数据库中的事务数据分析导出的原因进行分层组织。基于帧的界面提供简单灵活的导航和配置报告和其他功能。配置文件用于快速开发和定制基于Web的系统。包括案例管理功能，以便管理正在使用系统审查的案件。

8. 发明授权

US07379880B1 Cascaded profiles for multiple interacting entities 有权
标题翻译：多个交互实体的级联配置文件
公开(公告)号：US07379880B1
公开(公告)日：2008-05-27
申请号：US09606575
申请日：2000-06-28
申请人： Anu K. Pathria , Louis S. Biafore , Jean de Traversay , Arati S. Deo , Ho Ming Luk
发明人： Anu K. Pathria , Louis S. Biafore , Jean de Traversay , Arati S. Deo , Ho Ming Luk
IPC分类号： G06Q30/00
CPC分类号： G06Q30/0603
摘要： Computer implemented processes and software products generate profiles of entities, such as providers, clients, merchants and customers, and entities comprising interacting pairs of entities. The processes including deriving direct profiles from transaction data pertaining to an entity and enhancing the profile of one entity using the profile of another entity. Parallel and serial applications of the derive and enhance processes on various individual and multiple entites yields enhanced profiles that powerfully describe the interactions and relationship of the entities to each other, and between their members.
摘要翻译：计算机实现的流程和软件产品生成实体的简档，例如提供商，客户，商家和客户，以及包括实体对交互对的实体。这些过程包括从关于实体的交易数据导出直接简档，并使用另一实体的简档来增强一个实体的简档。衍生和增强流程在各种个人和多个领域的并行和连续应用产生增强的概况，强大地描述实体彼此之间以及其成员之间的相互作用和关系。

9. 发明授权

US06965861B1 Method for improving results in an HMM-based segmentation system by incorporating external knowledge 失效
标题翻译：通过整合外部知识改进基于HMM的分割系统结果的方法
公开(公告)号：US06965861B1
公开(公告)日：2005-11-15
申请号：US09988601
申请日：2001-11-20
申请人： Matthew N. Dailey , Dayne B. Freitag , Chalaporn Hathaidharm , Anu K. Pathria
发明人： Matthew N. Dailey , Dayne B. Freitag , Chalaporn Hathaidharm , Anu K. Pathria
IPC分类号： G06F17/27
CPC分类号： G06F17/2775
摘要： A Hidden Markov model is used to segment a data sequence. To reduce the potential for error that may result from the Markov assumption, the Viterbi dynamic programming algorithm is modified to apply a multiplicative factor if a particular set of states is re-entered. As a result, structural domain knowledge is incorporated into the algorithm by expanding the state space in the dynamic programming recurrence. In a specific example of segmenting resumes, the factor is used to reward or penalize (even require or prohibit) a segmentation of the resume that results in the re-entry into a section such as Experience or Contact Information. The method may be used to impose global constraints in the processing of an input sequence or to impose constraints to local sub-sequences.
摘要翻译：隐马尔可夫模型用于分段数据序列。为了减少马尔科夫假设可能产生的错误潜力，如果重新输入特定的一组状态，维特比动态规划算法被修改为应用乘法因子。因此，通过在动态规划复现中扩展状态空间，将结构域知识纳入到算法中。在分类简历的具体示例中，该因素用于奖励或惩罚（甚至要求或禁止）将简历分段导致重新输入到诸如体验或联系信息之类的部分。该方法可以用于在输入序列的处理中施加全局约束或者对局部子序列施加约束。

10. 发明授权

US06917952B1 Application-specific method and apparatus for assessing similarity between two data objects 有权
标题翻译：用于评估两个数据对象之间的相似性的应用特定方法和装置
公开(公告)号：US06917952B1
公开(公告)日：2005-07-12
申请号：US09988620
申请日：2001-11-20
申请人： Matthew N. Dailey , Anu K. Pathria , Mark A. Laffoon , Theodore J. Crooks
发明人： Matthew N. Dailey , Anu K. Pathria , Mark A. Laffoon , Theodore J. Crooks
IPC分类号： G06F17/27 , G06F17/30
CPC分类号： G06F17/2775 , G06F17/2715 , G06F17/279 , G06F17/30616 , Y10S707/99932 , Y10S707/99935 , Y10S707/99945 , Y10S707/99954
摘要： The similarity between two data objects of the same type (e.g., two resumes, two job descriptions, etc.) is determined using predictive modeling. A basic assumption is that training datasets are available containing compatibility measures between objects of the first type and data objects of a second type, but that training datasets measuring similarity between objects of the first type are not. A first predictive model is trained to assess compatibility between data objects of a first type and data objects of a second type. Then, in one scenario, pairs of objects of the first type are compared for similarity by running them through the first predictive model as if one object of the pair is an object of the first type and the other object of the pair is an object of the second type. Alternatively, for each object in a set of objects of the first type, the first predictive model is used to create a respective vector of compatibility scores against a fixed set of objects of the second type; these various vectors are then used to derive measures of similarity between pairs of objects of the first type, from which a second predictive model is trained, and the second predictive model is then used to assess the similarity of pairs of objects of the first type.
摘要翻译：使用预测建模来确定相同类型的两个数据对象之间的相似性（例如，两个简历，两个作业描述等）。一个基本的假设是训练数据集可用，包含第一类型的对象与第二种类型的数据对象之间的兼容性度量，但是测量第一类对象之间的相似性的训练数据集不是。训练第一预测模型以评估第一类型的数据对象与第二类型的数据对象之间的兼容性。然后，在一种情况下，通过使它们通过第一预测模型运行来比较第一类型的对象的对象，如同该对中的一个对象是第一类型的对象，并且该对的另一对象是对象的对象第二种类型。或者，对于第一类型的对象集合中的每个对象，第一预测模型用于针对第二类型的固定对象组创建相应的分数向量; 然后使用这些各种向量来导出第一类型的对象对之间的相似度测量，第二预测模型从该对象被训练，然后第二预测模型用于评估第一类型对象对的相似性。

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