会员体验
专利管家(专利管理)
工作空间(专利管理)
风险监控(情报监控)
数据分析(专利分析)
侵权分析(诉讼无效)
联系我们
交流群
官方交流:
QQ群: 891211   
微信请扫码    >>>
现在联系顾问~
热词
    • 7. 发明申请
    • Fraud Detection System For The Faster Payments System
    • 用于更快付款系统的欺诈检测系统
    • US20090222369A1
    • 2009-09-03
    • US12120222
    • 2008-05-13
    • Scott ZoldiUwe Mayer
    • Scott ZoldiUwe Mayer
    • G06Q40/00
    • G06Q40/02G06Q10/10G06Q20/40G06Q20/4016G06Q40/00
    • A computer-based fraud detection system stores extracts of the payment and other activity of the payer as well as the payee by efficiently profiling their accounts, and also stores extracts of the overall global or segmented payment activities. This profile information is then used to effectively capture fraudulent activity. The fraud detection system accepts messages from the payment processing system or from the associated financial institution, and depending on the nature of the message will update its databases, or assess fraud risk by computing a score, or both. If a score is computed, the higher the score, the greater the likelihood that the transaction is fraudulent. Said score is based on automatically determined risky values of variables and is also be automatically scaled using self-calibrating analytics using the captured profile information. In a typical scenario the fraud detection system client sets a “threshold score” above which the transactions are considered suspect enough to be investigated further or to trigger a payment decline outright. The solution is suitable for being installed at a financial institution, on the network, or some other institutional participant of the Faster Payments System (FPS), such as an access service provider to the FPS for corporate clients.
    • 基于计算机的欺诈检测系统通过有效地分析其账户来存储付款人的付款和其他活动的提取以及收款人,并且还存储整体全局或分段支付活动的提取。 此配置文件信息然后用于有效地捕获欺诈活动。 欺诈检测系统接受来自支付处理系统或相关联的金融机构的消息,并且取决于消息的性质将更新其数据库,或通过计算分数或两者来评估欺诈风险。 如果计算得分,分数越高,交易的欺诈可能性越大。 所述分数基于自动确定的变量的风险值,并且还使用捕获的简档信息使用自校准分析来自动缩放。 在典型情况下,欺诈检测系统客户端设置“阈值分数”,高于该阈值交易被认为可疑,足以进一步调查或直接触发付款退出。 该解决方案适用于安装在金融机构,网络或更快支付系统(FPS)的其他机构参与者,如为企业客户提供FPS的接入服务提供商。