Patents Assigned to Fair Isaac Corporation
  • Publication number: 20190108562
    Abstract: A computer-implemented method and system for detecting fraud in electronic commerce traffic are disclosed. A global conversion rate is defined that represents activity related to a purchase made or proxy activity executed during electronic commerce traffic to a commercial website that is indicative of non-fraud activity. Subsets of the electronic commerce traffic to a commercial website are monitored for clusters of activity having a conversion rate that is lower than a global conversion rate by a threshold margin. A number of user-initiated input signals from an input device to navigate from each of one or more affiliate websites to the commercial website, and a number of conversions generated from each of the one or more affiliate websites, are registered by a computer for analysis.
    Type: Application
    Filed: December 10, 2018
    Publication date: April 11, 2019
    Applicant: FAIR ISAAC CORPORATION
    Inventors: Linyu Yang, Joseph P. Milana
  • Patent number: 10242540
    Abstract: A computer-implemented method and system for visualizing card transaction fraud analysis is presented. Transaction data and account data related to one or more payment card accounts is stored in a database. The transaction data includes a fraud score. A computer processor generates one or more of a plurality of visualizations of activity of at least one suspicious account from the one or more payment card accounts for display in a graphical user interface, each of the plurality of visualizations providing at least a graphical representation of the transaction data and which is selectable from a menu provided by the computer processor in the graphical user interface. The visualizations assist in case judgment of the one or more payment cards.
    Type: Grant
    Filed: September 2, 2009
    Date of Patent: March 26, 2019
    Assignee: FAIR ISAAC CORPORATION
    Inventors: Yonghui Chen, Gregory Gancarz, Scott M. Zoldi
  • Patent number: 10180861
    Abstract: A task worker running on a worker server receives a process specification over a network. The process specification specifies a task to be executed by the task worker. The executed task includes generating an output data object for an output data stream based in part on an input data object from an input data stream. The process specification is accessed to specify the required fields to be read from for executing the task and to specify the generated the fields in the input data object that will be written to during or subsequent to the executing of the task. The task worker executes the task and generates the output data object. The output data object is then transmitted to the output stream based on the stream configuration.
    Type: Grant
    Filed: November 12, 2015
    Date of Patent: January 15, 2019
    Assignee: FAIR ISAAC CORPORATION
    Inventors: Shalini Raghavan, Tom J. Traughber, George Vanecek, Jr., Christopher Lee Bedford
  • Patent number: 10162630
    Abstract: A configuration package receives user-generated input that configures a decision service to generate decision data. The configuration package includes artifacts and the user-generated input selects the artifacts from an artifact library in a configuration database. A configured decision service is generated, where the generating includes receiving, by a decision service factory, the configuration package. Also, the decision service factory receives a decision template including configurable decision elements and non-configurable decision elements. Further, the decision service factory receives a user configuration specifying a parameter in the corresponding artifact. The artifact from the configuration package, the user configuration and the decision template are combined to generate the configured decision service. The configured decision service receives, from a client computer, input for each of the configurable decision elements.
    Type: Grant
    Filed: November 12, 2015
    Date of Patent: December 25, 2018
    Assignee: FAIR ISAAC CORPORATION
    Inventors: Ken Bouley, Bruno Courbage, Mark Allen Richardson
  • Patent number: 10152736
    Abstract: A computer-implemented method and system for detecting fraud in electronic commerce traffic are disclosed. A global conversion rate is defined that represents activity related to a purchase made or proxy activity executed during electronic commerce traffic to a commercial website that is indicative of non-fraud activity. Subsets of the electronic commerce traffic to a commercial website are monitored for clusters of activity having a conversion rate that is lower than a global conversion rate by a threshold margin. A number of user-initiated input signals from an input device to navigate from each of one or more affiliate websites to the commercial website, and a number of conversions generated from each of the one or more affiliate websites, are registered by a computer for analysis.
    Type: Grant
    Filed: July 6, 2007
    Date of Patent: December 11, 2018
    Assignee: FAIR ISAAC CORPORATION
    Inventors: Linyu Yang, Joseph P. Milana
  • Patent number: 10133562
    Abstract: Data is received that characterizes a score model. Thereafter, the score model is normalized by transforming it into a directed acyclic graph. The directed acyclic graph is then transformed into a structured rules language program. The structured rules language program is then transformed into a program using a concurrent, class-based, object-oriented computer programming language (e.g., JAVA, C, COBOL, etc.). Related apparatus, systems, techniques and articles are also described.
    Type: Grant
    Filed: October 31, 2016
    Date of Patent: November 20, 2018
    Assignee: FAIR ISAAC CORPORATION
    Inventors: Andrei R. Yershov, Andrew K. Holland
  • Patent number: 10115153
    Abstract: A system and method for detecting compromise of financial transaction instruments associated with a merchant or automated teller machine (ATM) are disclosed. Historical data representing a historical aggregate financial transaction instrument behavior history is stored in a computer memory. The historical data is received at the computer from one or more merchants and ATMs via a communications network. Authorization data representing authorization behavior of a plurality of financial transaction cards related to corresponding financial transactions at the same or a different one or more merchants and ATMs is received by the computer. Abnormal activity data representing an abnormal aggregate financial transaction instrument activity based on the authorization data is determined, and the historical data is compared with the abnormal activity data to generate a compromise profile for the plurality of financial transaction instruments.
    Type: Grant
    Filed: December 31, 2008
    Date of Patent: October 30, 2018
    Assignee: Fair Isaac Corporation
    Inventors: Scott Zoldi, Michael Urban
  • Patent number: 10102530
    Abstract: A system and method for detecting a test event involving a financial transaction device at a merchant having a merchant profile is disclosed. The method includes receiving data associated with a transaction involving a financial transaction device; calculating a score using at least the transaction data; comparing the score to a threshold value; and attaching a merchant probe flag to the merchant profile if the score exceeds the threshold value. The merchant probe flag indicates a likelihood that a test event has occurred at the merchant based on the score. If a test event has occurred, then financial transaction devices involved in the test event can have their profiles updated to reflect that they have been probed. If a financial transaction device that has been probed is used in a subsequent transaction, then a specialized fraud scoring model can be used to provide an improved fraud risk score.
    Type: Grant
    Filed: April 11, 2018
    Date of Patent: October 16, 2018
    Assignee: Fair Isaac Corporation
    Inventors: Scott Michael Zoldi, Ilya Levner, Maria Derderian
  • Patent number: 10083263
    Abstract: Data can be accessed from a plurality of disparate data sources from at least one database. A plurality of test models can be automatically built by a model building engine. Each test model can have predetermined predictive variables. A final set of predictive variables can be determined by a variable selector from the predetermined predictive variables in the plurality of test models by comparing the predictive power of the predictive variables across the plurality of test models. A master dataset can be generated from the disparate data sources. A master model can be built from the master dataset. The master model can combine the final set of predictive variables from the plurality of disparate data sources. The master model can characterize a quantitative estimate of the probability that an entity will display a defined behavior. Related apparatus, systems, techniques, and articles are also described.
    Type: Grant
    Filed: October 2, 2017
    Date of Patent: September 25, 2018
    Assignee: FAIR ISAAC CORPORATION
    Inventors: Lu Gao, Brendan Alexander Lacounte, Jane Sherman, Radha Chandra, Erik Franco, Ethan J. Dornhelm
  • Patent number: 9990270
    Abstract: A coverage monitor subsystem receives an electronic message from a project data object over a communication network. The project data object includes decision code modules that have rules with a corresponding test status variable. The test status variable indicates whether the rule has been tested. The coverage monitor subsystem generates a test status identifier. The test status identifier indicates the decision code modules as tested decision code modules when all of the rules for the corresponding decision code modules have been tested. The coverage monitor subsystem transmits test status data to a reporting subsystem. The test status data includes a first identifier identifying the tested decision code modules and a second identifier identifying the decision code modules that are not tested. The reporting subsystem displays, at a computer display, a graphical representation based on the first identifier and the second identifier.
    Type: Grant
    Filed: March 16, 2016
    Date of Patent: June 5, 2018
    Assignee: FAIR ISAAC CORPORATION
    Inventor: Pradeep Niranjan Ballal
  • Publication number: 20180121922
    Abstract: A system and method are disclosed, to distinguish fraudulent transactions from a legitimate transaction, predicated on the notion that the card is considered likely to be in state of fraud. The disclosed system and method can be activated as soon as an account has suspicious activity that causes a high score for potential fraud, but before a bank either can or needs to confirm fraud. The system or method is able to pinpoint the actual fraudulent transactions inside a window of potential fraudulent activity, using a specialized model referred to as the pinpoint model.
    Type: Application
    Filed: October 28, 2016
    Publication date: May 3, 2018
    Applicant: FAIR ISAAC CORPORATION
    Inventors: Scott M. Zoldi, Hila Hashemi, Todd Alan Smith
  • Patent number: 9953321
    Abstract: A system and method for detecting a test event involving a financial transaction device at a merchant having a merchant profile is disclosed. The method includes receiving data associated with a transaction involving a financial transaction device; calculating a score using at least the transaction data; comparing the score to a threshold value; and attaching a merchant probe flag to the merchant profile if the score exceeds the threshold value. The merchant probe flag indicates a likelihood that a test event has occurred at the merchant based on the score. If a test event has occurred, then financial transaction devices involved in the test event can have their profiles updated to reflect that they have been probed. If a financial transaction device that has been probed is used in a subsequent transaction, then a specialized fraud scoring model can be used to provide an improved fraud risk score.
    Type: Grant
    Filed: October 30, 2012
    Date of Patent: April 24, 2018
    Assignee: FAIR ISAAC CORPORATION
    Inventors: Scott M. Zoldi, Ilya Levner, Maria Derderian
  • Publication number: 20180025104
    Abstract: Data can be accessed from a plurality of disparate data sources from at least one database. A plurality of test models can be automatically built by a model building engine. Each test model can have predetermined predictive variables. A final set of predictive variables can be determined by a variable selector from the predetermined predictive variables in the plurality of test models by comparing the predictive power of the predictive variables across the plurality of test models. A master dataset can be generated from the disparate data sources. A master model can be built from the master dataset. The master model can combine the final set of predictive variables from the plurality of disparate data sources. The master model can characterize a quantitative estimate of the probability that an entity will display a defined behavior. Related apparatus, systems, techniques, and articles are also described.
    Type: Application
    Filed: October 2, 2017
    Publication date: January 25, 2018
    Applicant: FAIR ISAAC CORPORATION
    Inventors: Lu Gao, Brendan Alexander Lacounte, Jane Sherman, Radha Chandra, Erik Franco, Ethan J. Dornhelm
  • Patent number: 9846884
    Abstract: A Click Conversion Score (CCS) is a tool to provide a new “Ad-Exchange” for connecting Publishers and Advertisers in the Pay-per-Click advertising market. The CCS provides checks and balances into the Ad-Exchange by assessing the quality of traffic each Publisher provides Advertisers using an adaptive, multi-dimensional profiling system. This assessment is directly used in the charges billed the Advertisers. The score is adaptive, and highly dependent on the conversion feedback loop provided by Advertisers. A CCS system scores each Click and each resulting Conversion an Advertiser receives from the Ad-Exchange. In the preferred implementation, the score reflects a ratio of the measured conversion rate for a Publisher's traffic with the “expected” conversion rate based upon Advertisers histories.
    Type: Grant
    Filed: May 13, 2008
    Date of Patent: December 19, 2017
    Assignee: FAIR ISAAC CORPORATION
    Inventors: Joseph P. Milana, Bogdan Eugen Popescu, Colin Andrew Shepherd
  • Patent number: 9785890
    Abstract: Data for a plurality of entities that can be offered a plurality of products can be obtained. The data can include categorical data and numeric data. Based on business constraints, some of all of the data can be selected. The selected data can be converted to another set of numeric data, wherein the categorical values are converted to numeric values. Dimensions of the converted data can be reduced to generate another set of data. Based on this another set of data, clusters of entities can be formed. The products can be grouped by assigning a unique product identifier of each product to a corresponding cluster. This grouping of products can be used by a predictive model to predict a likelihood of an entity to purchase a particular product in a future time period. Related methods, apparatus, systems, techniques and articles are also described.
    Type: Grant
    Filed: August 10, 2012
    Date of Patent: October 10, 2017
    Assignee: FAIR ISAAC CORPORATION
    Inventors: Amit Sowani, Eeshan Malhotra, Shafi Ur Rahman
  • Patent number: 9779187
    Abstract: Data can be accessed from a plurality of disparate data sources from at least one database. A plurality of test models can be automatically built by a model building engine. Each test model can have predetermined predictive variables. A final set of predictive variables can be determined by a variable selector from the predetermined predictive variables in the plurality of test models by comparing the predictive power of the predictive variables across the plurality of test models. A master dataset can be generated from the disparate data sources. A master model can be built from the master dataset. The master model can combine the final set of predictive variables from the plurality of disparate data sources. The master model can characterize a quantitative estimate of the probability that an entity will display a defined behavior. Related apparatus, systems, techniques, and articles are also described.
    Type: Grant
    Filed: August 26, 2014
    Date of Patent: October 3, 2017
    Assignee: FAIR ISAAC CORPORATION
    Inventors: Lu Gao, Brendan Alexander Lacounte, Jane Sherman, Radha Chandra, Erik Franco, Ethan J. Dornhelm
  • Patent number: 9773227
    Abstract: A computerized method for detecting fraud includes obtaining frequency information on entities in transaction data for at least one individual account, converting frequency information to a frequency variable, and predicting whether an activity is fraudulent in response to the frequency variable. In some embodiments, the frequency variable is used with at least one other variable to predict fraudulent activity.
    Type: Grant
    Filed: December 29, 2011
    Date of Patent: September 26, 2017
    Assignee: FAIR ISAAC CORPORATION
    Inventors: Scott M. Zoldi, Hua Li, Xinwei Xue
  • Patent number: 9760553
    Abstract: The present invention is directed to a system and method which allows managers to identify anomalies in organizations, brands or projects at an early stage. Advantage is taken of the fact that a large percentage of the elements of all organizational (project) problems are promptly captured in some form on an electronic notation. Portions of these notations are abstracted into categories. Each categorized abstract is displayed in an appropriate partition for review by one or more managers. As a category becomes populated with more and more abstracts, the visual color of the representations of the abstracts of that category can change to reflect their individual ages or other attributes of that category's abstracts. For example, the color of each abstract-representing graphical “dot” can fade over time. A group of new “dots” within a category, or blinking dots representing content that is particularly well matched to the category definition can graphically signify extra concern.
    Type: Grant
    Filed: August 15, 2007
    Date of Patent: September 12, 2017
    Assignee: Fair Isaac Corporation
    Inventor: Robert Hecht-Nielsen
  • Patent number: 9721267
    Abstract: Profiles characterizing each of a plurality of consumers are received. Thereafter, each profile is associated with one of a plurality of customer segments (e.g., matched pairs, etc.). Thereafter, a coupon effectiveness index is determined for each of the plurality of consumers for an offering based on the associated customer segment. The coupon effectiveness indices model characterizes causal effects estimates determined using historical data of purchases of individuals having varying coupon treatments for the offering. Subsequently, provision of at least a portion of the determined coupon effectiveness indices is initiated. Related apparatus, systems, techniques and articles are also described.
    Type: Grant
    Filed: December 17, 2010
    Date of Patent: August 1, 2017
    Assignee: FAIR ISAAC CORPORATION
    Inventors: Gerald Fahner, Zhenyu Yan, Shafi Rahman, Amit Kiran Sowani
  • Patent number: 9704195
    Abstract: A system and method for multiple funding account payment instrument analytics is disclosed. A payment instrument profile is generated for a payment instrument that characterizes past activity on the payment instrument and past activity across one or more funding accounts associated with the payment instrument. Current activity on the payment instrument and current activity across one or more funding accounts associated with the payment instrument are monitored to detect an abnormality against the payment instrument profile. A fraud score for the current activity on the payment instrument and current activity across one or more funding accounts associated with the payment instrument is generated. The fraud score is based on a quantified extent of the abnormality.
    Type: Grant
    Filed: August 4, 2011
    Date of Patent: July 11, 2017
    Assignee: FAIR ISAAC CORPORATION
    Inventor: Scott M. Zoldi