Patents by Inventor Haochuan Zhou
Haochuan Zhou has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Patent number: 11954218Abstract: Embodiments of the present disclosure provide systems, methods, and apparatuses for addressing the above problems through the use of access rules that involve analyzing historical access request result data for various data elements individually and in combination over a predefined time interval. An automated determination can be made for whether a transaction can be authenticated based upon the historical access request result data (e.g., ultimately, deciding whether the data element or set of data elements are associated with a valid access request).Type: GrantFiled: February 8, 2021Date of Patent: April 9, 2024Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Hung-Tzaw Hu, Haochuan Zhou, Ge Wen, Benjamin Scott Boding
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Patent number: 11765173Abstract: Techniques for managing redundant or overlapping access rules are provided. Access rules are determined for evaluation. Performance metrics for the access rules prior to implementation and post implementation are determined. Overlapping access rules are identified. Performance of the overlapping access rules are evaluated to determine actions to be applied to the overlapping access rules. Recommended actions and adjustments can be automatically provided by the system based on the performance analysis.Type: GrantFiled: March 31, 2022Date of Patent: September 19, 2023Assignee: Visa International Service AssociationInventors: Benjamin Scott Boding, Christopher Holmes, Haochuan Zhou
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Patent number: 11722530Abstract: Resources can be secured by a resource security system. The resource security system can determine whether to grant or deny access to resources using authorization information in an access request. The resource security system can also determine whether the access request is legitimate or fraudulent using risk scoring models. A score transformation table can be used to provide consistency in the risk level for a particular score over time. The score transformation table can be based on a target score profile and a precision format (e.g., integer or floating point). The score transformation table can dynamically adapt based on the trending top percent of risk and can account for changes in the distribution of scores over time or by weekday. The scores can be used to determine an access request outcome. Access to the resource can be accepted or rejected based on the outcome.Type: GrantFiled: August 9, 2022Date of Patent: August 8, 2023Assignee: Visa International Service AssociationInventors: Hung-Tzaw Hu, Haochuan Zhou, Ge Wen, Benjamin Scott Boding
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Publication number: 20220391478Abstract: Resources can be secured by a resource security system. The resource security system can determine whether to grant or deny access to resources using authorization information in an access request. The resource security system can also determine whether the access request is legitimate or fraudulent using risk scoring models. A score transformation table can be used to provide consistency in the risk level for a particular score over time. The score transformation table can be based on a target score profile and a precision format (e.g., integer or floating point). The score transformation table can dynamically adapt based on the trending top percent of risk and can account for changes in the distribution of scores over time or by weekday. The scores can be used to determine an access request outcome. Access to the resource can be accepted or rejected based on the outcome.Type: ApplicationFiled: August 9, 2022Publication date: December 8, 2022Applicant: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Hung-Tzaw Hu, Haochuan Zhou, Ge Wen, Benjamin Scott Boding
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Patent number: 11451590Abstract: Resources can be secured by a resource security system. The resource security system can determine whether to grant or deny access to resources using authorization information in an access request. The resource security system can also determine whether the access request is legitimate or fraudulent using risk scoring models. A score transformation table can be used to provide consistency in the risk level for a particular score over time. The score transformation table can be based on a target score profile and a precision format (e.g., integer or floating point). The score transformation table can dynamically adapt based on the trending top percent of risk and can account for changes in the distribution of scores over time or by weekday. The scores can be used to determine an access request outcome. Access to the resource can be accepted or rejected based on the outcome.Type: GrantFiled: October 28, 2020Date of Patent: September 20, 2022Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Hung-Tzaw Hu, Haochuan Zhou, Ge Wen, Benjamin Scott Boding
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Patent number: 11443200Abstract: Described are a system, method, and computer program product for optimizing a predictive condition classification model and automatically enacting reactive measures based thereon. The method includes receiving event data representative of a plurality of events. The method also includes receiving the predictive condition classification model configured to categorize each event as satisfying a condition or not. The predictive condition classification model is configured to order the plurality of events by likelihood of satisfying the condition. The method includes generating a performance evaluation dataset and plotting data configured to cause a visual display to represent at least two model performance metrics of the performance evaluation dataset on a same output plot. The method includes automatically rejecting a top percent of the plurality of events for suspected satisfaction of the condition, determined at least partially from a customized rejection algorithm or a preset rejection algorithm.Type: GrantFiled: March 6, 2018Date of Patent: September 13, 2022Assignee: Visa International Service AssociationInventors: Hung-Tzaw Hu, Benjamin Scott Boding, Ge Wen, Haochuan Zhou
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Publication number: 20220232008Abstract: Techniques for managing redundant or overlapping access rules are provided. Access rules are determined for evaluation. Performance metrics for the access rules prior to implementation and post implementation are determined. Overlapping access rules are identified. Performance of the overlapping access rules are evaluated to determine actions to be applied to the overlapping access rules. Recommended actions and adjustments can be automatically provided by the system based on the performance analysis.Type: ApplicationFiled: March 31, 2022Publication date: July 21, 2022Inventors: Benjamin Scott Boding, Christopher Holmes, Haochuan Zhou
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Publication number: 20220141225Abstract: Techniques for managing redundant or overlapping access rules are provided. Access rules are determined for evaluation. Performance metrics for the access rules prior to implementation and post implementation are determined. Overlapping access rules are identified. Performance of the overlapping access rules are evaluated to determine actions to be applied to the overlapping access rules. Recommended actions and adjustments can be automatically provided by the system based on the performance analysis.Type: ApplicationFiled: October 29, 2020Publication date: May 5, 2022Inventors: Benjamin Scott Boding, Christopher Holmes, Haochuan Zhou
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Patent number: 11323448Abstract: Techniques for managing redundant or overlapping access rules are provided. Access rules are determined for evaluation. Performance metrics for the access rules prior to implementation and post implementation are determined. Overlapping access rules are identified. Performance of the overlapping access rules are evaluated to determine actions to be applied to the overlapping access rules. Recommended actions and adjustments can be automatically provided by the system based on the performance analysis.Type: GrantFiled: October 29, 2020Date of Patent: May 3, 2022Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Benjamin Scott Boding, Christopher Holmes, Haochuan Zhou
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Publication number: 20210248258Abstract: Embodiments of the present disclosure provide systems, methods, and apparatuses for addressing the above problems through the use of access rules that involve analyzing historical access request result data for various data elements individually and in combination over a predefined time interval. An automated determination can be made for whether a transaction can be authenticated based upon the historical access request result data (e.g., ultimately, deciding whether the data element or set of data elements are associated with a valid access request).Type: ApplicationFiled: February 8, 2021Publication date: August 12, 2021Inventors: Hung-Tzaw Hu, Haochuan Zhou, Ge Wen, Benjamin Scott Boding
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Publication number: 20210044624Abstract: Resources can be secured by a resource security system. The resource security system can determine whether to grant or deny access to resources using authorization information in an access request. The resource security system can also determine whether the access request is legitimate or fraudulent using risk scoring models. A score transformation table can be used to provide consistency in the risk level for a particular score over time. The score transformation table can be based on a target score profile and a precision format (e.g., integer or floating point). The score transformation table can dynamically adapt based on the trending top percent of risk and can account for changes in the distribution of scores over time or by weekday. The scores can be used to determine an access request outcome. Access to the resource can be accepted or rejected based on the outcome.Type: ApplicationFiled: October 28, 2020Publication date: February 11, 2021Inventors: Hung-Tzaw Hu, Haochuan Zhou, Ge Wen, Benjamin Scott Boding
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Patent number: 10862913Abstract: In some embodiments, a resource security system may determine an access request outcome (e.g., accept, reject, or review) for an access request based on access rules. The resource security system may generate and select the access rules to be used for using stability information. For instance, the resource security system may select a training set from the received access requests, e.g., including recently received access requests, and generate a plurality of potential access rules based on the training set. The resource security system may determine and compare the detection performance and the stability performance of the potential access rules. The resource security system may select the best performing potential access rules to be used in operation for determining the outcome of access requests.Type: GrantFiled: August 29, 2019Date of Patent: December 8, 2020Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Haochuan Zhou, Hung-Tzaw Hu, Rong Zhang, Benjamin Scott Boding
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Patent number: 10855726Abstract: Resources can be secured by a resource security system. The resource security system can determine whether to grant or deny access to resources using authorization information in an access request. The resource security system can also determine whether the access request is legitimate or fraudulent using risk scoring models. A score transformation table can be used to provide consistency in the risk level for a particular score over time. The score transformation table can be based on a target score profile and a precision format (e.g., integer or floating point). The score transformation table can dynamically adapt based on the trending top percent of risk and can account for changes in the distribution of scores over time or by weekday. The scores can be used to determine an access request outcome. Access to the resource can be accepted or rejected based on the outcome.Type: GrantFiled: October 15, 2018Date of Patent: December 1, 2020Assignee: Visa International Service AssociationInventors: Hung-Tzaw Hu, Haochuan Zhou, Ge Wen, Benjamin Scott Boding
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Patent number: 10855685Abstract: Resources can be secured by a resource security system. The resource security system can determine whether to grant or deny access to resources using authorization information in an access request. The resource security system can also determine whether the access request is legitimate or fraudulent using risk scoring models. A score transformation table can be used to provide consistency in the risk level for a particular score over time. The score transformation table can be based on a target score profile and a precision format (e.g., integer or floating point). The score transformation table can dynamically adapt based on the trending top percent of risk and can account for changes in the distribution of scores over time or by weekday. The scores can be used to determine an access request outcome. Access to the resource can be accepted or rejected based on the outcome.Type: GrantFiled: October 15, 2018Date of Patent: December 1, 2020Assignee: Visa International Service AssociationInventors: Hung-Tzaw Hu, Haochuan Zhou, Ge Wen, Benjamin Scott Boding
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Publication number: 20200175388Abstract: Described are a system, method, and computer program product for optimizing a predictive condition classification model and automatically enacting reactive measures based thereon. The method includes receiving event data representative of a plurality of events. The method also includes receiving the predictive condition classification model configured to categorize each event as satisfying a condition or not. The predictive condition classification model is configured to order the plurality of events by likelihood of satisfying the condition. The method includes generating a performance evaluation dataset and plotting data configured to cause a visual display to represent at least two model performance metrics of the performance evaluation dataset on a same output plot. The method includes automatically rejecting a top percent of the plurality of events for suspected satisfaction of the condition, determined at least partially from a customized rejection algorithm or a preset rejection algorithm.Type: ApplicationFiled: March 6, 2018Publication date: June 4, 2020Inventors: Hung-Tzaw Hu, Benjamin Scott Boding, Ge Wen, Haochuan Zhou
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Publication number: 20200120135Abstract: Resources can be secured by a resource security system. The resource security system can determine whether to grant or deny access to resources using authorization information in an access request. The resource security system can also determine whether the access request is legitimate or fraudulent using risk scoring models. A score transformation table can be used to provide consistency in the risk level for a particular score over time. The score transformation table can be based on a target score profile and a precision format (e.g., integer or floating point). The score transformation table can dynamically adapt based on the trending top percent of risk and can account for changes in the distribution of scores over time or by weekday. The scores can be used to determine an access request outcome. Access to the resource can be accepted or rejected based on the outcome.Type: ApplicationFiled: October 15, 2018Publication date: April 16, 2020Inventors: Hung-Tzaw Hu, Haochuan Zhou, Ge Wen, Benjamin Scott Boding
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Publication number: 20200120100Abstract: Resources can be secured by a resource security system. The resource security system can determine whether to grant or deny access to resources using authorization information in an access request. The resource security system can also determine whether the access request is legitimate or fraudulent using risk scoring models. A score transformation table can be used to provide consistency in the risk level for a particular score over time. The score transformation table can be based on a target score profile and a precision format (e.g., integer or floating point). The score transformation table can dynamically adapt based on the trending top percent of risk and can account for changes in the distribution of scores over time or by weekday. The scores can be used to determine an access request outcome. Access to the resource can be accepted or rejected based on the outcome.Type: ApplicationFiled: October 15, 2018Publication date: April 16, 2020Inventors: Hung-Tzaw Hu, Haochuan Zhou, Ge Wen, Benjamin Scott Boding
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Patent number: 10609087Abstract: A resource security system may generate access rules for use in determining whether to grant or deny a request for access to a resource. In order to generate the access rules, the resource security system may select certain access request parameters and determine conditions associated with those parameters. The resource security system may generate mutually exclusive segments associated with a condition of each of the parameters. The resource security system may generate independent access rules based on the segments. The resource security system may then evaluate the performance of each of the access rules based on validity information corresponding to previously received access requests that satisfy the conditions of a particular access rule.Type: GrantFiled: May 8, 2019Date of Patent: March 31, 2020Assignee: Visa International Service AssociationInventors: Haochuan Zhou, Hung-Tzaw Hu, Rong Zhang, Benjamin Scott Boding
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Patent number: 10594738Abstract: Embodiments of the invention generally relate to methods and systems for operating authorization rules. An authorization rule has conditions that may be satisfied by an authorization request. A rule is rotated between the first mode and the second mode over a time interval wherein a first set of authorization requests are received. A first subset of the first set of authorization requests may not be rejected. After the first time interval, the authorization requests that were not rejected may be validated through an independent process. An accuracy rate for the rule is determined based on the portion of authorization requests that are valid and satisfied the conditions of the rule.Type: GrantFiled: May 14, 2019Date of Patent: March 17, 2020Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Hung-Tzaw Hu, Haochuan Zhou, Benjamin Scott Boding
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Publication number: 20190387014Abstract: In some embodiments, a resource security system may determine an access request outcome (e.g., accept, reject, or review) for an access request based on access rules. The resource security system may generate and select the access rules to be used for using stability information. For instance, the resource security system may select a training set from the received access requests, e.g., including recently received access requests, and generate a plurality of potential access rules based on the training set. The resource security system may determine and compare the detection performance and the stability performance of the potential access rules. The resource security system may select the best performing potential access rules to be used in operation for determining the outcome of access requests.Type: ApplicationFiled: August 29, 2019Publication date: December 19, 2019Inventors: Haochuan Zhou, Hung-Tzaw Hu, Rong Zhang, Benjamin Scott Boding