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    • 1. 发明授权
    • Fraud detection system for the faster payments system
    • US11037229B2
    • 2021-06-15
    • US12120222
    • 2008-05-13
    • Scott ZoldiUwe Mayer
    • Scott ZoldiUwe Mayer
    • G06Q30/00G06Q40/02G06Q10/10G06Q20/40G06Q40/00
    • 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.
    • 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。
    • 8. 发明申请
    • Method and apparatus for automatic entity disambiguation
    • 自动实体消歧的方法和装置
    • US20070067285A1
    • 2007-03-22
    • US11234692
    • 2005-09-22
    • Matthias BlumeRichard CalmbachDayne FreitagRichard RohwerScott Zoldi
    • Matthias BlumeRichard CalmbachDayne FreitagRichard RohwerScott Zoldi
    • G06F17/30
    • G06F17/278G06Q10/10
    • Entity disambiguation resolves which names, words, or phrases in text correspond to distinct persons, organizations, locations, or other entities in the context of an entire corpus. The invention is based largely on language-independent algorithms. Thus, it is applicable not only to unstructured text from arbitrary human languages, but also to semi-structured data, such as citation databases and the disambiguation of named entities mentioned in wire transfer transaction records for the purpose of detecting money-laundering activity. The system uses multiple types of context as evidence for determining whether two mentions correspond to the same entity and it automatically learns the weight of evidence of each context item via corpus statistics. The invention uses multiple search keys to efficiently find pairs of mentions that correspond to the same entity, while skipping billions of unnecessary comparisons, yielding a system with very high throughput that can be applied to truly massive data.
    • 实体消歧解决了文本中的哪些名称,单词或短语对应于整个语料库上下文中不同的人,组织,位置或其他实体。 本发明主要基于语言无关的算法。 因此,它不仅适用于来自任意人类语言的非结构化文本,还适用于半结构化数据,例如引用数据库,以及为了检测洗钱活动而消除电汇交易记录中提到的命名实体。 该系统使用多种类型的上下文作为确定两个提及是否对应于相同实体的证据,并通过语料库统计自动学习每个上下文项的证据的权重。 本发明使用多个搜索密钥来有效地找到对应于相同实体的提及对,同时跳过数十亿次不必要的比较,产生可以应用于真实海量数据的非常高的吞吐量的系统。