Abstract: Certain embodiments of the invention may include systems, methods, and apparatus for determining fraud risk associated with a credit application. According to an exemplary embodiment of the invention, a method is provided for receiving applicant information associated with the application; searching one or more consumer identity repositories for prior usage of the applicant information; generating a plurality of identity characteristics corresponding to the prior usage of the applicant information; assigning the application to one of a plurality of segments based at least in part on the searching; scoring the application with a predictive scoring model to determine a risk score based at least in part on the identity characteristics; determining identity fraud risk types associated with the application; and outputting the risk score and one or more indicators of the determined identity fraud risk types.

Abstract: Techniques may be used to match records of a batch file to an entity representation in a universal database. Inputs may include, but are not limited to, a batch file and a universal (or other) database. The technique may compare the records of the batch file to the records of the universal database, and may attempt to create matches between the records in the batch file and the entity representations or records in the universal database. One possible output may include one or more tables that include foreign record IDs of the batch file records, each in association with an entity representation of the universal database. The techniques may include a batch style processing of records.

Abstract: Disclosed is a system for, and method of, determining whether records and entity representations should be linked. The system and method include assigning to each pair of entity references a match value reflecting the likelihood that the entity references are related. Based on the match values, each entity reference may then associated with a preferred entity reference. Pairs of entity references that are mutually preferred may then be identified and linked. The process may be iterated to generate further links.

Abstract: Disclosed is a system for, and method of, calculating parameters used to determine whether records and entity representations should be linked. The system and method utilize blended field weights to account for certain types of partial matches. The system and method apply iterative techniques such that parameters from each linking iteration are used in the next linking iteration. The system and method need no human interaction in order to calibrate and utilize record matching formulas used for the linking decisions.

Abstract: Disclosed is a system for, and method of, calculating parameters used to determine whether records and entity representations should be linked. The system and method use a symmetric, transitive and reflexive function to allow for linking records and entity representations whose field values differ. The system and method apply iterative techniques such that parameters from each linking iteration are used in the next linking iteration. The system and method need no human interaction in order to calibrate and utilize record matching formulas used for the linking decisions.

Abstract: Disclosed is a system for, and method of, calculating parameters used to determine whether records and entity representations should be linked. The system and method apply iterative techniques such that parameters from each linking iteration are used in the next linking iteration. The system and method need no human interaction in order to calibrate and utilize record matching formulas used for the linking decisions.

Abstract: Disclosed is a system for, and method of, calculating parameters used to determine whether records and entity representations should be linked. Such parameters may be set as negative to account for fields that do not match. The system and method apply iterative techniques such that parameters from each linking iteration are used in the next linking iteration. The system and method need no human interaction in order to calibrate and utilize record matching formulas used for the linking decisions.