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1. 发明授权

US08484132B1 Systems and methods for segmented risk scoring of identity fraud 有权
标题翻译：身份欺诈的分段风险评分的系统和方法
公开(公告)号：US08484132B1
公开(公告)日：2013-07-09
申请号：US13491786
申请日：2012-06-08
申请人： James Alan Christiansen , Fang Yuan , Michael James Woodberry , Brent Wayne Sorenson , Jeffrey Allen Feinstein
发明人： James Alan Christiansen , Fang Yuan , Michael James Woodberry , Brent Wayne Sorenson , Jeffrey Allen Feinstein
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00
摘要： Certain embodiments of the invention may include systems, methods, and apparatus for determining fraud risk associated with a credit application. According to an exemplary embodiment of the invention, a method is provided for receiving applicant information associated with the application; searching one or more consumer identity repositories for prior usage of the applicant information; generating a plurality of identity characteristics corresponding to the prior usage of the applicant information; assigning the application to one of a plurality of segments based at least in part on the searching; scoring the application with a predictive scoring model to determine a risk score based at least in part on the identity characteristics; determining identity fraud risk types associated with the application; and outputting the risk score and one or more indicators of the determined identity fraud risk types.
摘要翻译：本发明的某些实施例可以包括用于确定与信用申请相关联的欺诈风险的系统，方法和装置。根据本发明的示例性实施例，提供了一种用于接收与应用相关联的申请人信息的方法; 搜索一个或多个消费者身份存储库以便先前使用申请人信息; 产生与申请人信息的先前使用相对应的多个身份特征; 至少部分地基于所述搜索将所述应用分配给多个片段中的一个片段; 用预测评分模型对应用程序进行评分，以至少部分地基于身份特征来确定风险评分; 确定与申请相关的身份欺诈风险类型; 并输出所确定的身份欺诈风险类型的风险分数和一个或多个指标。

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