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1. 发明授权

US08706641B2 Method and system for providing risk information in connection with transaction processing 有权
标题翻译：提供与交易处理相关的风险信息的方法和系统
公开(公告)号：US08706641B2
公开(公告)日：2014-04-22
申请号：US12848964
申请日：2010-08-02
申请人： Belva J. Bruesewitz , Nancy Hilgers , Patrick Faith , Kevin Siegel , Xiaoli Li , Kris Koganti , Craig O'Connell
发明人： Belva J. Bruesewitz , Nancy Hilgers , Patrick Faith , Kevin Siegel , Xiaoli Li , Kris Koganti , Craig O'Connell
IPC分类号： G06Q20/00 , G06Q40/00
CPC分类号： G06Q20/4016 , G06Q20/04 , G06Q20/382 , G06Q20/40 , G06Q20/403 , G06Q20/409 , G06Q40/025 , G06Q40/08
摘要： A system for providing real-time risk mitigation for an authorization system. The system receives authorization requests from multiple merchants (or their respective acquirers) and processes such requests. Each processed request is then forwarded to its corresponding issuer for further authorization. Each processed request includes an authorization message. The authorization message can include a risk score, a number of reason codes, and a number of condition codes. The use of the risk score, reason codes and condition codes allows issuers to make better informed decisions with respect to providing authorizations.
摘要翻译：一种为授权系统提供实时风险缓解的系统。系统从多个商家（或其各自的收件人）接收授权请求并处理这些请求。然后将每个被处理的请求转发给其对应的发行者以进一步授权。每个被处理的请求都包含一个授权消息。授权消息可以包括风险分数，原因代码的数量和条件代码的数量。使用风险分数，原因代码和条件代码可以使发行人在提供授权方面做出更明智的决策。

2. 发明申请

US20110066551A1 Method and System for Providing Risk Information in Connection with Transaction Processing 有权
公开(公告)号：US20110066551A1
公开(公告)日：2011-03-17
申请号：US12868627
申请日：2010-08-25
申请人： Belva J. Bruesewitz , Nancy Hilgers , Patrick Faith , Kevin Siegel , Xiaoli Li , Kris Koganti , Craig O'Connell
发明人： Belva J. Bruesewitz , Nancy Hilgers , Patrick Faith , Kevin Siegel , Xiaoli Li , Kris Koganti , Craig O'Connell
IPC分类号： G06Q20/00
CPC分类号： G06Q20/4016 , G06Q20/04 , G06Q20/382 , G06Q20/40 , G06Q20/403 , G06Q20/409 , G06Q40/025 , G06Q40/08
摘要： A system for providing real-time risk mitigation for an authorization system. The system receives authorization requests from multiple merchants (or their respective acquirers) and processes such requests. Each processed request is then forwarded to its corresponding issuer for further authorization. Each processed request includes an authorization message. The authorization message can include a risk score, a number of reason codes, and a number of condition codes. The use of the risk score, reason codes and condition codes allows issuers to make better informed decisions with respect to providing authorizations.

3. 发明授权

US09785944B2 Method and system for providing risk information in connection with transaction processing 有权
公开(公告)号：US09785944B2
公开(公告)日：2017-10-10
申请号：US12868627
申请日：2010-08-25
申请人： Belva J. Bruesewitz , Nancy Hilgers , Patrick Faith , Kevin Siegel , Xiaoli Li , Kris Koganti , Craig O'Connell
发明人： Belva J. Bruesewitz , Nancy Hilgers , Patrick Faith , Kevin Siegel , Xiaoli Li , Kris Koganti , Craig O'Connell
IPC分类号： G06Q20/00 , G06Q20/40 , G06Q20/04 , G06Q20/38 , G06Q40/02 , G06Q40/08
CPC分类号： G06Q20/4016 , G06Q20/04 , G06Q20/382 , G06Q20/40 , G06Q20/403 , G06Q20/409 , G06Q40/025 , G06Q40/08
摘要： A system for providing real-time risk mitigation for an authorization system. The system receives authorization requests from multiple merchants (or their respective acquirers) and processes such requests. Each processed request is then forwarded to its corresponding issuer for further authorization. Each processed request includes an authorization message. The authorization message can include a risk score, a number of reason codes, and a number of condition codes. The use of the risk score, reason codes and condition codes allows issuers to make better informed decisions with respect to providing authorizations.

4. 发明申请

US20110112954A1 Method and System for Providing Risk Information in Connection with Transaction Processing 有权
标题翻译：提供与交易处理有关的风险信息的方法和系统
公开(公告)号：US20110112954A1
公开(公告)日：2011-05-12
申请号：US12848964
申请日：2010-08-02
申请人： Belva J. Bruesewitz , Nancy Hilgers , Patrick Faith , Kevin Siegel , Xiaoli Li , Kris Koganti , Craig O'Connell
发明人： Belva J. Bruesewitz , Nancy Hilgers , Patrick Faith , Kevin Siegel , Xiaoli Li , Kris Koganti , Craig O'Connell
IPC分类号： G06Q40/00
CPC分类号： G06Q20/4016 , G06Q20/04 , G06Q20/382 , G06Q20/40 , G06Q20/403 , G06Q20/409 , G06Q40/025 , G06Q40/08
摘要： A system for providing real-time risk mitigation for an authorization system. The system receives authorization requests from multiple merchants (or their respective acquirers) and processes such requests. Each processed request is then forwarded to its corresponding issuer for further authorization. Each processed request includes an authorization message. The authorization message can include a risk score, a number of reason codes, and a number of condition codes. The use of the risk score, reason codes and condition codes allows issuers to make better informed decisions with respect to providing authorizations.
摘要翻译：一种为授权系统提供实时风险缓解的系统。系统从多个商家（或其各自的收件人）接收授权请求并处理这些请求。然后将每个被处理的请求转发给其对应的发行者以进一步授权。每个被处理的请求都包含一个授权消息。授权消息可以包括风险分数，原因代码的数量和条件代码的数量。使用风险分数，原因代码和条件代码可以使发行人在提供授权方面做出更明智的决策。

5. 发明申请

US20140188697A1 METHOD AND SYSTEM FOR PROVIDING RISK INFORMATION IN CONNECTION WITH TRANSACTION PROCESSING 审中-公开
标题翻译：提供与交易处理相关的风险信息的方法和系统
公开(公告)号：US20140188697A1
公开(公告)日：2014-07-03
申请号：US14198466
申请日：2014-03-05
申请人： Belva J. Bruesewitz , Nancy Hilgers , Patrick Faith , Kevin Siegel , Xiaoli Li , Kris Koganti
发明人： Belva J. Bruesewitz , Nancy Hilgers , Patrick Faith , Kevin Siegel , Xiaoli Li , Kris Koganti
IPC分类号： G06Q20/40
CPC分类号： G06Q20/4016 , G06Q20/04 , G06Q20/382 , G06Q20/40 , G06Q20/403 , G06Q20/409 , G06Q40/025 , G06Q40/08
摘要： A system for providing real-time risk mitigation for an authorization system. The system receives authorization requests from multiple merchants (or their respective acquirers) and processes such requests. Each processed request is then forwarded to its corresponding issuer for further authorization. Each processed request includes an authorization message. The authorization message can include a risk score, a number of reason codes, and a number of condition codes. The use of the risk score, reason codes and condition codes allows issuers to make better informed decisions with respect to providing authorizations.
摘要翻译：一种为授权系统提供实时风险缓解的系统。系统从多个商家（或其各自的收件人）接收授权请求并处理这些请求。然后将每个被处理的请求转发给其对应的发行者以进一步授权。每个被处理的请求都包含一个授权消息。授权消息可以包括风险分数，原因代码的数量和条件代码的数量。使用风险分数，原因代码和条件代码可以使发行人在提供授权方面做出更明智的决策。

6. 发明授权

US07809650B2 Method and system for providing risk information in connection with transaction processing 有权
标题翻译：提供与交易处理相关的风险信息的方法和系统
公开(公告)号：US07809650B2
公开(公告)日：2010-10-05
申请号：US10863813
申请日：2004-06-07
申请人： Belva J. Bruesewitz , Nancy Hilgers , Patrick Faith , Kevin Siegel , Xiaoli Li
发明人： Belva J. Bruesewitz , Nancy Hilgers , Patrick Faith , Kevin Siegel , Xiaoli Li
IPC分类号： G06Q20/00 , G06F7/04 , G06F17/30 , H04N7/16
CPC分类号： G06Q20/4016 , G06Q20/04 , G06Q20/382 , G06Q20/40 , G06Q20/403 , G06Q20/409 , G06Q40/025 , G06Q40/08
摘要： A system for providing real-time risk mitigation for an authorization system. The system receives authorization requests from multiple merchants (or their respective acquirers) and processes such requests. Each processed request is then forwarded to its corresponding issuer for further authorization. Each processed request includes an authorization message. The authorization message can include a risk score, a number of reason codes, and a number of condition codes. The use of the risk score, reason codes and condition codes allows issuers to make better informed decisions with respect to providing authorizations.
摘要翻译：一种为授权系统提供实时风险缓解的系统。系统从多个商家（或其各自的收件人）接收授权请求并处理这些请求。然后将每个被处理的请求转发给其对应的发行者以进一步授权。每个被处理的请求都包含一个授权消息。授权消息可以包括风险分数，原因代码的数量和条件代码的数量。使用风险分数，原因代码和条件代码可以使发行人在提供授权方面做出更明智的决策。

7. 发明申请

US20050149455A1 Method and system for providing advanced authorization 有权
标题翻译：提供高级授权的方法和系统
公开(公告)号：US20050149455A1
公开(公告)日：2005-07-07
申请号：US10863813
申请日：2004-06-07
申请人： Belva Bruesewitz , Nancy Hilgers , Patrick Faith , Kevin Siegel , Xiaoli Li
发明人： Belva Bruesewitz , Nancy Hilgers , Patrick Faith , Kevin Siegel , Xiaoli Li
IPC分类号： G06F17/60
CPC分类号： G06Q20/4016 , G06Q20/04 , G06Q20/382 , G06Q20/40 , G06Q20/403 , G06Q20/409 , G06Q40/025 , G06Q40/08
摘要： A system for providing real-time risk mitigation for an authorization system. The system receives authorization requests from multiple merchants (or their respective acquirers) and processes such requests. Each processed request is then forwarded to its corresponding issuer for further authorization. Each processed request includes an authorization message. The authorization message can include a risk score, a number of reason codes, and a number of condition codes. The use of the risk score, reason codes and condition codes allows issuers to make better informed decisions with respect to providing authorizations.
摘要翻译：一种为授权系统提供实时风险缓解的系统。系统从多个商家（或其各自的收件人）接收授权请求并处理这些请求。然后将每个被处理的请求转发给其对应的发行者以进一步授权。每个被处理的请求都包含一个授权消息。授权消息可以包括风险分数，原因代码的数量和条件代码的数量。使用风险分数，原因代码和条件代码可以使发行人在提供授权方面做出更明智的决策。

8. 发明授权

US6119103A Financial risk prediction systems and methods therefor 失效
标题翻译：财务风险预测系统及其方法
公开(公告)号：US6119103A
公开(公告)日：2000-09-12
申请号：US863666
申请日：1997-05-27
申请人： Catherine A. Basch , Belva J. Bruesewitz , Kevin Siegel , Patrick Faith
发明人： Catherine A. Basch , Belva J. Bruesewitz , Kevin Siegel , Patrick Faith
IPC分类号： G06Q20/34 , G06Q20/40 , G06Q40/00 , G07F7/08 , G07F7/10 , G06F157/00
CPC分类号： G07F7/1008 , G06Q20/341 , G06Q20/40 , G06Q20/40145 , G06Q20/4016 , G06Q20/403 , G06Q20/4037 , G06Q40/00 , G06Q40/025 , G06Q40/08 , G07F7/08
摘要： A computer-implemented method for predicting financial risk, which includes receiving first transaction data pertaining to transactions performed on a first financial account. The first financial account represents a financial account issued to a given account holder by a first account issuer. The method further includes receiving second transaction data pertaining to transaction performed on a second financial account different from the first financial account. The second financial account represents a financial account issued to the given account holder by a second account issuer different from the first account issuer. There is further included scoring the first transaction data and the second transaction data based on a preexisting model to form a score for the account holder. Additionally, there is included transmitting, if the score is below a predefined financial risk threshold, the score to one of the first account issuer and the second account issuer.
摘要翻译：一种用于预测财务风险的计算机实现的方法，其包括接收关于在第一金融账户上执行的交易的第一交易数据。第一个财务帐户是由第一个帐户发行人发给给定账户持有人的财务帐户。该方法还包括接收与在与第一金融账户不同的第二金融账户上执行的交易的第二交易数据。第二个财务帐户是由与第一个账户发行人不同的第二个账户发行人发给给定账户持有人的财务账户。还包括基于预先存在的模型对第一交易数据和第二交易数据进行评分以形成账户持有人的得分。另外，如果分数低于预定义的财务风险阈值，则将分数传送给第一帐户发行者和第二帐户发行者之一。

9. 发明授权

US06658393B1 Financial risk prediction systems and methods therefor 有权
标题翻译：财务风险预测系统及其方法
公开(公告)号：US06658393B1
公开(公告)日：2003-12-02
申请号：US09397160
申请日：1999-09-15
申请人： Catherine A. Basch , Belva J. Bruesewitz , Kevin Siegel , Patrick Faith
发明人： Catherine A. Basch , Belva J. Bruesewitz , Kevin Siegel , Patrick Faith
IPC分类号： G06F1760
CPC分类号： G07F7/1008 , G06Q20/341 , G06Q20/40 , G06Q20/40145 , G06Q20/4016 , G06Q20/403 , G06Q20/4037 , G06Q40/00 , G06Q40/025 , G06Q40/08 , G07F7/08
摘要： A method for predicting financial risk is disclosed. The method includes receiving data inputs on a first computing system. The data inputs includes historical data associated with at least a first account issued to an account owner, and the historical data includes historical transaction information for the first account. The method also includes generating a predictive model based on at least the historical data, receiving a current transaction authorization request associated with the first account on the first computing system, and generating a risk score by applying the predictive model to data associated with the current transaction authorization request. The current transaction authorization request is denied when the risk score indicates an unacceptable level of risk. In one embodiment, the data inputs further include performance data that is at least partially indicative of past fraudulent activities associated with the first account and at least one other account held by the account owner.
摘要翻译：披露了一种预测金融风险的方法。该方法包括在第一计算系统上接收数据输入。数据输入包括与至少向帐户所有者发行的第一帐户相关联的历史数据，历史数据包括第一帐户的历史交易信息。该方法还包括基于至少历史数据生成预测模型，接收与第一计算系统上的第一帐户相关联的当前交易授权请求，以及通过将预测模型应用于与当前交易相关联的数据来生成风险分数授权请求。当风险分数表示不可接受的风险水平时，当前交易授权请求被拒绝。在一个实施例中，数据输入还包括性能数据，该性能数据至少部分地指示与第一帐户相关联的过去欺诈活动以及帐户所有者持有的至少一个其他帐户。

10. 发明授权

US08924279B2 Risk assessment rule set application for fraud prevention 有权
标题翻译：风险评估规则设定防欺诈申请
公开(公告)号：US08924279B2
公开(公告)日：2014-12-30
申请号：US12774521
申请日：2010-05-05
申请人： Frederick Liu , Nancy Hilgers , Mark Nelsen , Kevin Siegel , Christopher Brown , Thomas Dwyer
发明人： Frederick Liu , Nancy Hilgers , Mark Nelsen , Kevin Siegel , Christopher Brown , Thomas Dwyer
IPC分类号： G06Q40/00
CPC分类号： G06Q20/4016 , G06Q20/40 , G06Q20/405
摘要： Rules, applied to deny authorization of likely fraudulent transactions, are derived from a modified Patient Rule Induction Method algorithm that uses a target variable and a data set of past transactions each associated with a plurality of input variables and a hyper-rectangle enclosing a multi-dimensional space defined by a representation of the input variable values as points within the multi-dimensional space. While a count of the points within the hyper-rectangle is greater than a minimum support parameter, a first plurality of points proximal to edges of the hyper-rectangle are removed, where each such removing maximizes a mean value of the target variable, and then, while the mean value remains maximized, a second plurality of points proximal to the edges is added, where each adding maximizes or maintains the mean value. The hyper-rectangle is bounded within a minimum bounding box that defines the rules.
摘要翻译：应用于拒绝对可能的欺诈交易的授权的规则来自修改的患者规则诱导方法算法，该算法使用目标变量和与多个输入变量相关联的过去交易的数据集，以及包围多个输入变量的超矩形，由输入变量值的表示定义的多维空间作为多维空间内的点。虽然超矩形内的点的计数大于最小支持参数，但是去除超矩形边缘附近的第一多个点，其中每个这样的移除最大化目标变量的平均值，然后当平均值保持最大时，添加靠近边缘的第二多个点，其中每个添加最大化或维持平均值。超矩形在定义规则的最小边界框内是有界的。

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