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1. 发明申请

WO2011094080A3 TRANSACTION DATA REPOSITORY FOR RISK ANALYSIS 审中-公开
标题翻译：风险分析交易数据报告
公开(公告)号：WO2011094080A3
公开(公告)日：2011-11-17
申请号：PCT/US2011021402
申请日：2011-01-14
申请人： VISA INT SERVICE ASS , WINTERS MICHELLE , SIEGEL KEVIN , BYCE CHARLES
发明人： WINTERS MICHELLE , SIEGEL KEVIN , BYCE CHARLES
IPC分类号： G06Q20/00 , G06Q30/00
CPC分类号： G06Q40/08 , G06Q20/10 , G06Q30/0601 , G06Q30/0641 , G06Q30/08
摘要： Systems and methods are presented for determining risk levels for consumer-to-consumer (C2C) transactions on brokering websites. The risk levels can be based on payment processing network (e.g. Visa) account data as well as external data, such as geo-location using IP addresses, fraud bureau data, and star ratings. The buying and selling consumers can have multiple risk scores for each transaction, such as a fraud, credit, return/chargeback, dissatisfaction, product misuse, nonreturnable, and defect risk scores. The buying and selling consumers can trade their risk levels before proceeding with the transaction.
摘要翻译：提出了系统和方法，用于确定经纪网站上消费者对消费者（C2C）交易的风险水平。风险水平可以基于支付处理网络（例如Visa）账户数据以及外部数据，例如使用IP地址的地理位置，欺诈局数据和星级。买卖消费者可以为每笔交易提供多种风险分数，例如欺诈，信用，退货/退款，不满意，产品滥用，不可退回和缺陷风险等级。在进行交易之前，买卖消费者可以交易其风险水平。

2. 发明申请

WO2010059840A3 SYSTEM AND METHOD USING A TRANSACTION AGGREGATOR, SUPERKEYS AND SUBKEYS 审中-公开
标题翻译：使用交易聚合器，SUPERKEYS和SUBKEYS的系统和方法
公开(公告)号：WO2010059840A3
公开(公告)日：2010-09-16
申请号：PCT/US2009065167
申请日：2009-11-19
申请人： VISA INT SERVICE ASS , BARRETT MELYSSA , SCOTT JOE , HILGERS NANCY , SIEGEL KEVIN
发明人： BARRETT MELYSSA , SCOTT JOE , HILGERS NANCY , SIEGEL KEVIN
IPC分类号： G06Q20/00
CPC分类号： G06Q20/4037 , G06F17/30489 , G06Q10/067 , G06Q30/02 , G06Q40/02 , G06Q40/025 , G06Q40/08 , G07F7/08
摘要： Systems and methods for providing aggregated transaction level data for particular users to multiple information requesters are disclosed. Subkeys are assigned to user inquiries from multiple information requesters and a superkey is assigned to link them to a user identifier, such as a Social Security number. Account data is obtained based on the superkey and the user identifier. Based on the requests of one or more information requesters, an aggregator server can request transaction level data for all accounts associated with a particular user or a group of users from a transaction database. The aggregator server can then parse the transaction level data based on a number of transaction level data elements and information requester input. The parsed raw transaction level data can be used to determine a number of transaction level data aggregates. User inquiry response files containing transaction level aggregate data can be sent to the information requesters.
摘要翻译：公开了用于向多个信息请求者提供用于特定用户的聚合事务级数据的系统和方法。子密钥被分配给来自多个信息请求者的用户查询，并且分配超级密钥以将它们链接到诸如社会安全号码的用户标识符。基于超级密钥和用户标识符获得账户数据。基于一个或多个信息请求者的请求，聚合器服务器可以从事务数据库请求与特定用户或一组用户相关联的所有帐户的事务级数据。然后，聚合器服务器可以基于多个事务级数据元素和信息请求者输入来解析事务级数据。解析的原始事务级别数据可用于确定多个事务级数据聚合。包含事务级聚合数据的用户查询响应文件可以发送给信息请求者。

3. 发明申请

WO2011119761A3 MERCHANT FRAUD RISK SCORE 审中-公开
标题翻译：商业欺诈风险评分
公开(公告)号：WO2011119761A3
公开(公告)日：2012-04-12
申请号：PCT/US2011029665
申请日：2011-03-23
申请人： VISA INT SERVICE ASS , NIGHTENGALE BRAD , NEWLAND KARL , SIEGEL KEVIN , JIANG ZHONGXIAO JOSH , ROWBERRY SHARON
发明人： NIGHTENGALE BRAD , NEWLAND KARL , SIEGEL KEVIN , JIANG ZHONGXIAO JOSH , ROWBERRY SHARON
IPC分类号： G06Q20/00 , G06F17/00 , G06F21/00 , G06Q40/00
CPC分类号： G06Q20/4016 , G06Q20/20 , G06Q20/40 , H04L61/2007 , H04L61/6068
摘要： Methods and systems are presented for a fraud risk score to be given to a merchant for a proposed transaction with a consumer. The fraud risk score is generated by a payment account service provider, such as a credit card processor, using information from a pending transaction as well as information from other payment accounts that the consumer holds to which the payment account service provider is privy. Various factors, including indicators of elevated risk in other payment accounts, are custom-weighted by the merchant for the score.
摘要翻译：针对与消费者的建议交易向商家提供欺诈风险评分的方法和系统。欺诈风险分数由付款帐户服务提供商（例如信用卡处理器）使用来自待处理交易的信息以及消费者持有的来自支付账户服务提供商的信息产生。各种因素，包括其他付款账户风险升高的指标，均由商家自行设定。

4. 发明申请

WO2010129764A3 RISK ASSESSMENT RULE SET APPLICATION FOR FRAUD PREVENTION 审中-公开
标题翻译：风险评估规则申请预防欺诈
公开(公告)号：WO2010129764A3
公开(公告)日：2011-02-03
申请号：PCT/US2010033861
申请日：2010-05-06
申请人： VISA USA INC , LIU FREDERICK , HILGERS NANCY , NELSEN MARK , SIEGEL KEVIN , BROWN CHRISTOPHER , DWYER THOMAS
发明人： LIU FREDERICK , HILGERS NANCY , NELSEN MARK , SIEGEL KEVIN , BROWN CHRISTOPHER , DWYER THOMAS
IPC分类号： G06Q20/00 , 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后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，以及包含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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