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1. 发明授权

US08725613B1 Systems and methods for early account score and notification 有权
标题翻译：早期帐户得分和通知的系统和方法
公开(公告)号：US08725613B1
公开(公告)日：2014-05-13
申请号：US13094497
申请日：2011-04-26
申请人： Christopher J. Celka , Cristian R. Rojas
发明人： Christopher J. Celka , Cristian R. Rojas
IPC分类号： G06Q40/00
CPC分类号： G06Q40/025
摘要： The embodiments illustrated herein provide systems and methods for predicting or identifying early life account fraud at a point-in-time within existing account portfolios. The identity-level linking of inquiry data described herein allow for detecting inconsistent and/or suspicious use of identity data elements across multiple applications that traditional fraud detection systems may consider to be different consumers. The system can be configured to calculate or generate a fraud score after a credit account is booked and/or opened by a financial institution or other third party. Even though the likelihood of fraud is assessed at the time when an applicant applies for credit, there may still be some applicants that successfully pass through authentication and/or fraud tools.
摘要翻译：本文所示的实施例提供用于在现有帐户组合内的时间点预测或识别早期生命账户欺诈的系统和方法。本文描述的查询数据的身份层级链接允许检测跨传统欺诈检测系统可能被认为是不同消费者的多个应用的身份数据元素的不一致和/或可疑的使用。该系统可以被配置为在由金融机构或其他第三方预订和/或打开信用账户之后计算或产生欺诈分数。尽管在申请人申请信贷时评估欺诈的可能性，但仍可能有一些申请人成功通过认证和/或欺诈工具。

2. 发明授权

US08364588B2 System and method for automated detection of never-pay data sets 有权
标题翻译：用于自动检测从不付费数据集的系统和方法
公开(公告)号：US08364588B2
公开(公告)日：2013-01-29
申请号：US12875045
申请日：2010-09-02
申请人： Christopher J. Celka , Cristian R. Rojas
发明人： Christopher J. Celka , Cristian R. Rojas
IPC分类号： G06Q40/00
CPC分类号： G06Q40/025 , G06Q20/10 , G06Q30/06 , G06Q40/00
摘要： Data filters, models, and/or profiles for identifying and/or predicting the never-pay population (for example, those customers that make a request for credit and obtain the credit instrument but over the life of the account, never make a payment) can be useful to various commercial entities, such as those issuing mortgages, home equity lines of credit, consumer or business lines of credit, automobile loans, credit card accounts, or those entities providing services, such as utility services, phone services, and the like.
摘要翻译：用于识别和/或预测未付款人口的数据过滤器，模型和/或配置文件（例如，提出信用请求和获取信用工具的客户，但在帐户的整个使用期限内，从不进行付款）可用于各种商业实体，例如发放抵押贷款，房屋信贷额度，消费者或商业信用额度，汽车贷款，信用卡账户或提供服务的实体，如公用事业服务，电话服务，以及喜欢。

3. 发明申请

US20100332381A1 SYSTEM AND METHOD FOR AUTOMATED DETECTION OF NEVER-PAY DATA SETS 有权
标题翻译：用于自动检测无用数据集的系统和方法
公开(公告)号：US20100332381A1
公开(公告)日：2010-12-30
申请号：US12875045
申请日：2010-09-02
申请人： Christopher J. Celka , Cristian R. Rojas
发明人： Christopher J. Celka , Cristian R. Rojas
IPC分类号： G06Q40/00
CPC分类号： G06Q40/025 , G06Q20/10 , G06Q30/06 , G06Q40/00
摘要： Data filters, models, and/or profiles for identifying and/or predicting the never-pay population (for example, those customers that make a request for credit and obtain the credit instrument but over the life of the account, never make a payment) can be useful to various commercial entities, such as those issuing mortgages, home equity lines of credit, consumer or business lines of credit, automobile loans, credit card accounts, or those entities providing services, such as utility services, phone services, and the like.
摘要翻译：用于识别和/或预测未付款人口的数据过滤器，模型和/或配置文件（例如，提出信用请求和获取信用工具的客户，但在帐户的整个使用期限内，从不进行付款）可用于各种商业实体，例如发放抵押贷款，房屋信贷额度，消费者或商业信用额度，汽车贷款，信用卡账户或提供服务的实体，如公用事业服务，电话服务，以及喜欢。

4. 发明申请

US20080294540A1 SYSTEM AND METHOD FOR AUTOMATED DETECTION OF NEVER-PAY DATA SETS 审中-公开
标题翻译：用于自动检测无用数据集的系统和方法
公开(公告)号：US20080294540A1
公开(公告)日：2008-11-27
申请号：US12125820
申请日：2008-05-22
申请人： Christopher J. Celka , Cristian R. Rojas
发明人： Christopher J. Celka , Cristian R. Rojas
IPC分类号： G06Q40/00
CPC分类号： G06Q40/025 , G06Q20/10 , G06Q30/06 , G06Q40/00
摘要： Data filters, models, and/or profiles for identifying and/or predicting the never-pay population (for example, those customers that make a request for credit and obtain the credit instrument but over the life of the account, never make a payment) can be useful to various commercial entities, such as those issuing mortgages, home equity lines of credit, consumer or business lines of credit, automobile loans, credit card accounts, or those entities providing services, such as utility services, phone services, and the like.
摘要翻译：用于识别和/或预测未付款人口的数据过滤器，模型和/或配置文件（例如，提出信用请求和获取信用工具的客户，但在帐户的整个使用期限内，从不进行付款）可用于各种商业实体，例如发放抵押贷款，房屋信贷额度，消费者或商业信用额度，汽车贷款，信用卡账户或提供服务的实体，如公用事业服务，电话服务，以及喜欢。

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