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1. 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。

2. 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。

3. 发明授权

US07533038B2 Predictive modeling of consumer financial behavior using supervised segmentation and nearest-neighbor matching 有权
标题翻译：使用监督分割和最近邻匹配的消费者财务行为的预测建模
公开(公告)号：US07533038B2
公开(公告)日：2009-05-12
申请号：US11623266
申请日：2007-01-15
申请人： Matthias Blume , Michael A. Lazarus , Larry S. Peranich , Frederique Vernhes , Kenneth B. Brown , William R. Caid , Ted E. Dunning , Gerald R. Russell , Kevin L. Sitze
发明人： Matthias Blume , Michael A. Lazarus , Larry S. Peranich , Frederique Vernhes , Kenneth B. Brown , William R. Caid , Ted E. Dunning , Gerald R. Russell , Kevin L. Sitze
IPC分类号： G06Q10/00
CPC分类号： G06Q30/02 , G06Q30/0202 , G06Q30/0207 , G06Q30/0241 , G06Q30/0255 , G06Q30/0269 , G06Q30/0601
摘要： Predictive modeling of consumer financial behavior, including determination of likely responses to particular marketing efforts, is provided by application of consumer transaction data to predictive models associated with merchant segments. The merchant segments are derived from the consumer transaction data based on co-occurrences of merchants in sequences of transactions. Merchant vectors represent specific merchants, and are aligned in a vector space as a function of the degree to which the merchants co-occur more or less frequently than expected. Supervised segmentation is applied to merchant vectors to form the merchant segments. Merchant segment predictive models provide predictions of spending in each merchant segment for any particular consumer, based on previous spending by the consumer. Consumer profiles describe summary statistics of each consumer's spending in the merchant segments, and across merchant segments. The consumer profiles include consumer vectors derived as summary vectors of selected merchants patronized by the consumer. Predictions of consumer behavior are made by applying nearest-neighbor analysis to consumer vectors, thus facilitating the targeting of promotional offers to consumers most likely to respond positively.
摘要翻译：通过将消费者交易数据应用于与商家细分相关的预测模型，提供消费者财务行为的预测建模，包括对特定营销努力的可能响应的确定。商业细分是根据交易序列中商家的共同出现从消费者交易数据中得出的。商家向量表示特定商家，并且在向量空间中对齐，作为商家与预期频繁相同程度的函数。监督分割被应用于商家向量以形成商家分段。商业细分预测模型根据消费者以前的支出，为每个特定消费者的每个商业细分市场提供支出预测。消费者个人资料描述了每个消费者在商家细分中以及跨商家细分的消费的总体统计。消费者资料包括作为由消费者光顾的所选商家的汇总向量导出的消费者向量。消费者行为的预测是通过对消费者向量应用最近邻分析来做出的，从而有助于向最有可能积极响应的消费者定位促销优惠。

4. 再颁专利

USRE42577E1 Predictive modeling of consumer financial behavior using supervised segmentation and nearest-neighbor matching 有权
标题翻译：使用监督分割和最近邻匹配的消费者财务行为的预测建模
公开(公告)号：USRE42577E1
公开(公告)日：2011-07-26
申请号：US12729215
申请日：2010-03-22
申请人： Matthias Blume , Michael A. Lazarus , Larry S. Peranich , Frederique Vernhes , William R. Caid , Ted E. Dunning , Gerald S. Russell , Kevin L. Sitze
发明人： Matthias Blume , Michael A. Lazarus , Larry S. Peranich , Frederique Vernhes , William R. Caid , Ted E. Dunning , Gerald S. Russell , Kevin L. Sitze
IPC分类号： G06Q10/00
CPC分类号： G06Q30/02 , G06Q30/0202 , G06Q30/0207 , G06Q30/0241 , G06Q30/0255 , G06Q30/0269 , G06Q30/0601
摘要： Predictive modeling of consumer financial behavior, including determination of likely responses to particular marketing efforts, is provided by application of consumer transaction data to predictive models associated with merchant segments. The merchant segments are derived from the consumer transaction data based on co-occurrences of merchants in sequences of transactions. Merchant vectors represent specific merchants, and are aligned in a vector space as a function of the degree to which the merchants co-occur more or less frequently than expected. Supervised segmentation is applied to merchant vectors to form the merchant segments. Merchant segment predictive models provide predictions of spending in each merchant segment for any particular consumer, based on previous spending by the consumer. Consumer profiles describe summary statistics of each consumer's spending in the merchant segments, and across merchant segments. The consumer profiles include consumer vectors derived as summary vectors of selected merchants patronized by the consumer. Predictions of consumer behavior are made by applying nearest-neighbor analysis to consumer vectors, thus facilitating the targeting of promotional offers to consumers most likely to respond positively.
摘要翻译：通过将消费者交易数据应用于与商家细分相关的预测模型，提供消费者财务行为的预测建模，包括对特定营销努力的可能响应的确定。商业细分是根据交易序列中商家的共同出现从消费者交易数据中得出的。商家向量表示特定商家，并且在向量空间中对齐，作为商家与预期频繁相同程度的函数。监督分割被应用于商家向量以形成商家分段。商业细分预测模型根据消费者以前的支出，为每个特定消费者的每个商业细分市场提供支出预测。消费者个人资料描述了每个消费者在商家细分中以及跨商家细分的消费的总体统计。消费者资料包括作为由消费者光顾的所选商家的汇总向量导出的消费者向量。消费者行为的预测是通过对消费者向量应用最近邻分析来做出的，从而有助于向最有可能积极响应的消费者定位促销优惠。

5. 发明授权

US07165037B2 Predictive modeling of consumer financial behavior using supervised segmentation and nearest-neighbor matching 有权
标题翻译：使用监督分割和最近邻匹配的消费者财务行为的预测建模
公开(公告)号：US07165037B2
公开(公告)日：2007-01-16
申请号：US11012812
申请日：2004-12-14
申请人： Michael A. Lazarus , Larry S. Peranich , Frederique Vernhes , A. U. Mattias Blume , Kenneth B. Brown , William R. Caid , Ted E. Dunning , Gerald R. Russell , Kevin L. Sitze
发明人： Michael A. Lazarus , Larry S. Peranich , Frederique Vernhes , A. U. Mattias Blume , Kenneth B. Brown , William R. Caid , Ted E. Dunning , Gerald R. Russell , Kevin L. Sitze
IPC分类号： G06Q10/00
CPC分类号： G06Q30/02 , G06Q30/0202 , G06Q30/0207 , G06Q30/0241 , G06Q30/0255 , G06Q30/0269 , G06Q30/0601
摘要： Predictive modeling of consumer financial behavior, including determination of likely responses to particular marketing efforts, is provided by application of consumer transaction data to predictive models associated with merchant segments, which are derived from the consumer transaction data based on co-occurrences of merchants in sequences of transactions. Merchant vectors represent specific merchants, and are aligned in a vector space as a function of the degree to which the merchants co-occur. Supervised segmentation is applied to merchant vectors to form merchant segments. Merchant segment predictive models provide predictions of spending in each merchant segment for any particular consumer, based on previous spending by the consumer. Consumer profiles describe summary statistics of each consumer's spending in the merchant segments, and across merchant segments. Consumer profiles include consumer vectors derived as summary vectors of selected merchants patronized by the consumer. Predictions of consumer behavior are made by applying nearest-neighbor analysis to consumer vectors.
摘要翻译：消费者财务行为的预测建模，包括对特定营销努力的可能响应的确定，通过将消费者交易数据应用于与商家分段相关联的预测模型来提供，所述预测模型是根据基于商家的序列顺序的消费者交易数据得出的消费者交易数据的交易。商家向量代表特定商家，并且在向量空间中对齐，作为商家共同发生的程度的函数。监督分割被应用于商家向量以形成商家分段。商业细分预测模型根据消费者以前的支出，为每个特定消费者的每个商业细分市场提供支出预测。消费者个人资料描述了每个消费者在商家细分中以及跨商家细分的消费的总体统计。消费者概况包括作为由消费者光顾的所选商家的汇总向量导出的消费者向量。消费者行为的预测是通过对消费者向量应用最近邻分析来做出的。

6. 发明授权

US08296250B2 Comprehensive identity protection system 有权
标题翻译：综合身份保护制度
公开(公告)号：US08296250B2
公开(公告)日：2012-10-23
申请号：US13195328
申请日：2011-08-01
申请人： Theodore J. Crooks , Uwe F. Mayer , Michael A. Lazarus
发明人： Theodore J. Crooks , Uwe F. Mayer , Michael A. Lazarus
IPC分类号： G06E1/00 , G06E3/00 , G06F15/18 , G06G7/00
CPC分类号： G06Q50/18 , G06Q20/40 , G06Q20/4016 , G06Q20/403 , G06Q50/188
摘要： A system and method for protecting identity fraud are disclosed. A system includes a detection subsystem to identify applications and/or accounts at risk of identity fraud, and a disposition subsystem to process data provided by the detection system and to determine whether identity fraud exists in the applications and/or accounts. According to an implementation, one or more neural network models are defined, each neural network model being configured to handle a class of cases related to the subject and a specific data configuration describing a case of the class. The one or more neural network models are run to generate data requests about the subject's identity, and the data requests are passed to a detection system that monitor transactions associated with the subject. Additional data associated with the transactions is requested until a threshold certainty is achieved or until available data or models are exhausted.
摘要翻译：公开了一种保护身份欺诈的系统和方法。系统包括检测子系统以识别身份欺诈风险的应用和/或帐户，以及处理子系统来处理由检测系统提供的数据并且确定身份欺诈是否存在于应用和/或帐户中。根据实现，定义一个或多个神经网络模型，每个神经网络模型被配置为处理与主题相关的一类情况以及描述该类的情况的特定数据配置。运行一个或多个神经网络模型以产生关于受试者身份的数据请求，并且将数据请求传递到监视与对象相关联的事务的检测系统。请求与事务相关联的附加数据，直到实现阈值确定性或直到可用数据或模型耗尽为止。

7. 发明授权

US07849029B2 Comprehensive identity protection system 有权
标题翻译：综合身份保护制度
公开(公告)号：US07849029B2
公开(公告)日：2010-12-07
申请号：US11421896
申请日：2006-06-02
申请人： Theodore J. Crooks , Uwe F. Mayer , Michael A. Lazarus
发明人： Theodore J. Crooks , Uwe F. Mayer , Michael A. Lazarus
IPC分类号： G06E1/00 , G06E3/00 , G06F15/18 , G06G7/00
CPC分类号： G06Q50/18 , G06Q20/40 , G06Q20/4016 , G06Q20/403 , G06Q50/188
摘要： A system and method for protecting identity fraud are disclosed. A system includes a detection subsystem to identify applications and/or accounts at risk of identity fraud, and a disposition subsystem to process data provided by the detection system and to determine whether identity fraud exists in the applications and/or accounts. According to an implementation, one or more neural network models are defined, each neural network model being configured to handle a class of cases related to the subject and a specific data configuration describing a case of the class. The one or more neural network models are run to generate data requests about the subject's identity, and the data requests are passed to a detection system that monitor transactions associated with the subject. Additional data associated with the transactions is requested until a threshold certainty is achieved or until available data or models are exhausted.
摘要翻译：公开了一种保护身份欺诈的系统和方法。系统包括检测子系统以识别身份欺诈风险的应用和/或帐户，以及处理子系统来处理由检测系统提供的数据并且确定身份欺诈是否存在于应用和/或帐户中。根据实现，定义一个或多个神经网络模型，每个神经网络模型被配置为处理与主题相关的一类情况以及描述该类的情况的特定数据配置。运行一个或多个神经网络模型以产生关于受试者身份的数据请求，并且将数据请求传递到监视与对象相关联的事务的检测系统。请求与事务相关联的附加数据，直到实现阈值确定性或直到可用数据或模型耗尽为止。

8. 发明授权

US6134532A System and method for optimal adaptive matching of users to most relevant entity and information in real-time 失效
标题翻译：用户最实时匹配最相关的实体和信息的系统和方法
公开(公告)号：US6134532A
公开(公告)日：2000-10-17
申请号：US971091
申请日：1997-11-14
申请人： Michael A. Lazarus , William R. Caid , Richard S. Pugh , Bradley D. Kindig , Gerald S. Russell , Kenneth B. Brown , Ted E. Dunning , Joel L. Carleton
发明人： Michael A. Lazarus , William R. Caid , Richard S. Pugh , Bradley D. Kindig , Gerald S. Russell , Kenneth B. Brown , Ted E. Dunning , Joel L. Carleton
IPC分类号： G06F15/00 , G06F17/30 , G06Q30/02 , G06F17/60
CPC分类号： G06Q30/02 , G06F17/30867 , G06Q30/0224 , G06Q30/0256 , G06Q30/0264 , G06Q30/0269
摘要： A system and method for selecting and presenting personally targeted entities such as advertising, coupons, products and information content, based on tracking observed behavior on a user-by-user basis and utilizing an adaptive vector space representation for both information and behavior. The system matches users to entities in a manner that improves with increased operation and observation of user behavior. User behavior and entities (ads, coupons, products) and information (text) are all represented as content vectors in a unified vector space. The system is based on an information representation called content vectors that utilizes a constrained self organization learning technique to learn the relationships between symbols (typically words in unstructured text). Users and entities are each represented as content vectors.
摘要翻译：一种用于基于逐个用户的跟踪观察行为来选择和呈现诸如广告，优惠券，产品和信息内容的个人目标实体的系统和方法，并且利用信息和行为的自适应向量空间表示。该系统以增加操作和观察用户行为的方式将用户与实体相匹配。用户行为和实体（广告，优惠券，产品）和信息（文本）都表示为统一向量空间中的内容向量。该系统基于称为内容向量的信息表示，其利用受约束的自组织学习技术来学习符号之间的关系（通常是非结构化文本中的单词）。用户和实体各自表示为内容向量。

9. 发明申请

US20110289032A1 Comprehensive Identity Protection System 有权
标题翻译：全面的身份保护制度
公开(公告)号：US20110289032A1
公开(公告)日：2011-11-24
申请号：US13195328
申请日：2011-08-01
申请人： Theodore J. Crooks , Uwe F. Mayer , Michael A. Lazarus
发明人： Theodore J. Crooks , Uwe F. Mayer , Michael A. Lazarus
IPC分类号： G06N3/02
CPC分类号： G06Q50/18 , G06Q20/40 , G06Q20/4016 , G06Q20/403 , G06Q50/188
摘要： A system and method for protecting identity fraud are disclosed. A system includes a detection subsystem to identify applications and/or accounts at risk of identity fraud, and a disposition subsystem to process data provided by the detection system and to determine whether identity fraud exists in the applications and/or accounts. According to an implementation, one or more neural network models are defined, each neural network model being configured to handle a class of cases related to the subject and a specific data configuration describing a case of the class. The one or more neural network models are run to generate data requests about the subject's identity, and the data requests are passed to a detection system that monitor transactions associated with the subject. Additional data associated with the transactions is requested until a threshold certainty is achieved or until available data or models are exhausted.
摘要翻译：公开了一种保护身份欺诈的系统和方法。系统包括检测子系统以识别身份欺诈风险的应用和/或帐户，以及处理子系统来处理由检测系统提供的数据并且确定身份欺诈是否存在于应用和/或帐户中。根据实现，定义一个或多个神经网络模型，每个神经网络模型被配置为处理与主题相关的一类情况以及描述该类的情况的特定数据配置。运行一个或多个神经网络模型以产生关于受试者身份的数据请求，并且将数据请求传递到监视与对象相关联的事务的检测系统。请求与事务相关联的附加数据，直到实现阈值确定性或直到可用数据或模型耗尽为止。

10. 发明授权

US07991716B2 Comprehensive identity protection system 有权
标题翻译：综合身份保护制度
公开(公告)号：US07991716B2
公开(公告)日：2011-08-02
申请号：US12961478
申请日：2010-12-06
申请人： Theodore J. Crooks , Uwe F. Mayer , Michael A. Lazarus
发明人： Theodore J. Crooks , Uwe F. Mayer , Michael A. Lazarus
IPC分类号： G06E1/00 , G06E3/00 , G06F15/18 , G06G7/00
CPC分类号： G06Q50/18 , G06Q20/40 , G06Q20/4016 , G06Q20/403 , G06Q50/188
摘要： A system and method for protecting identity fraud are disclosed. A system includes a detection subsystem to identify applications and/or accounts at risk of identity fraud, and a disposition subsystem to process data provided by the detection system and to determine whether identity fraud exists in the applications and/or accounts. According to an implementation, one or more neural network models are defined, each neural network model being configured to handle a class of cases related to the subject and a specific data configuration describing a case of the class. The one or more neural network models are run to generate data requests about the subject's identity, and the data requests are passed to a detection system that monitor transactions associated with the subject. Additional data associated with the transactions is requested until a threshold certainty is achieved or until available data or models are exhausted.
摘要翻译：公开了一种保护身份欺诈的系统和方法。系统包括检测子系统以识别身份欺诈风险的应用和/或帐户，以及处理子系统来处理由检测系统提供的数据并且确定身份欺诈是否存在于应用和/或帐户中。根据实现，定义一个或多个神经网络模型，每个神经网络模型被配置为处理与主题相关的一类情况以及描述该类的情况的特定数据配置。运行一个或多个神经网络模型以产生关于受试者身份的数据请求，并且将数据请求传递到监视与对象相关联的事务的检测系统。请求与事务相关联的附加数据，直到达到阈值确定性或直到可用的数据或模型耗尽为止。

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