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1. 发明申请

WO2015099870A1 QUANTITATIVE ASSESSMENT OF BEHAVIOR IN FINANCIAL ENTITIES AND TRANSACTIONS 审中-公开
标题翻译：金融实体和交易行为的定量评估
公开(公告)号：WO2015099870A1
公开(公告)日：2015-07-02
申请号：PCT/US2014/061459
申请日：2014-10-21
申请人： CITIBANK, N.A.
发明人： HUERTA, Juan , NING, Yulin , MULE, Leandro, Dalle
IPC分类号： G06F17/30 , G06Q10/04 , G06Q30/02
CPC分类号： G06Q40/00
摘要： Methods and apparatus for assessing behavior, such as fraud and risk, in financial entities and transactions involve, for example, receiving, using a processing engine computer having a processor coupled to memory, data related to a plurality of entities. The plurality of entities is segmented into a plurality of entity peer groups based at least in part on a plurality of behavior components identified for each entity in the received data. For each entity, a behavior norm is created based on the entity history and its relationship to its corresponding peer group. All of the behavior components for each of the entities are normalized, and aggregated and a behavior score generated for each entity based on a continuous comparison of behavior values of each entity to a behavior norm for the entity peer group into which the entity is segmented. Based on new data received from time -to-time, this apparatus dynamically adapts the plurality of entities which may be re-segmented, the behavior components may be re-normalized, and a new behavior score may be generated for each entity.
摘要翻译：用于评估金融实体和交易中的行为（例如欺诈和风险）的方法和装置涉及例如使用具有耦合到存储器的处理器的处理引擎计算机来接收与多个实体相关的数据。所述多个实体至少部分地基于为所接收的数据中的每个实体标识的多个行为组件而被分割成多个实体对等体组。对于每个实体，基于实体历史及其与其相应对等体组的关系创建行为规范。每个实体的所有行为组件被归一化和聚合，并且基于每个实体的行为值的连续比较与实体对其进行分段的实体对等体组的行为规范，为每个实体生成行为评分。基于从时间上接收到的新数据，该装置动态地适配可以重新分段的多个实体，行为组件可以被重新归一化，并且可以为每个实体生成新的行为评分。

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