Patents Assigned to Fair Issac Corporation
  • Patent number: 10713711
    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: July 10, 2017
    Date of Patent: July 14, 2020
    Assignee: FAIR ISSAC CORPORATION
    Inventor: Scott Michael Zoldi
  • Publication number: 20110305329
    Abstract: A network assurance analytics (NAA) system and method is disclosed. The NAA can be part of a risk analytic for telecom (RAFT) program. The NAA system is configured to monitor telecommunications networks, detect errors or fraud in those telecommunications networks, and provide solutions to resolve the errors or reduce the fraud. Traffic of a telecommunications network is electronically monitored for at least one pattern that is indicative of a telecommunications anomaly. Based on a set of a set of telecommunications profiles stored in a database, a model score representing a value of the telecommunications anomaly is generated. A solution for the telecommunications network to reduce the model score associated with the telecommunications anomaly is then generated for execution on the telecommunications network.
    Type: Application
    Filed: June 13, 2011
    Publication date: December 15, 2011
    Applicant: FAIR ISSAC CORPORATION
    Inventors: Scott M. Zoldi, Michael P. Balon
  • Patent number: 7870151
    Abstract: A computer-implemented technique for fuzzy matching. This works quickly yet accurately to determine if a given computer-readable record is represented, by exact match or pretty close match, in a large collection of computer-readable records. Further tools may be provided to assess the character of the match.
    Type: Grant
    Filed: June 13, 2007
    Date of Patent: January 11, 2011
    Assignee: Fair Issac Corporation
    Inventors: Uwe Mayer, Vijay Narayanan, Matthias Blume
  • Patent number: 7685021
    Abstract: The invention, referred to herein as PeaCoCk, uses a unique blend of technologies from statistics, information theory, and graph theory to quantify and discover patterns in relationships between entities, such as products and customers, as evidenced by purchase behavior. In contrast to traditional purchase-frequency based market basket analysis techniques, such as association rules which mostly generate obvious and spurious associations, PeaCoCk employs information-theoretic notions of consistency and similarity, which allows robust statistical analysis of the true, statistically significant, and logical associations between products. Therefore, PeaCoCk lends itself to reliable, robust predictive analytics based on purchase-behavior.
    Type: Grant
    Filed: February 15, 2006
    Date of Patent: March 23, 2010
    Assignee: Fair Issac Corporation
    Inventors: Shailesh Kumar, Edmond D. Chow, Michinari Momma
  • Patent number: 6760714
    Abstract: Image features are generated by performing wavelet transformations at sample points on images stored in electronic form. Multiple wavelet transformations at a point are combined to form an image feature vector. A prototypical set of feature vectors, or atoms, is derived from the set of feature vectors to form an “atomic vocabulary.” The prototypical feature vectors are derived using a vector quantization method (e.g., using neural network self-organization techniques) in which a vector quantization network is also generated. The atomic vocabulary is used to define new images. Meaning is established between atoms in the atomic vocabulary. High-dimensional context vectors are assigned to each atom. The context vectors are then trained as a function of the proximity and co-occurrence of each atom to other atoms in the image. After training, the context vectors associated with the atoms that comprise an image are combined to form a summary vector for the image.
    Type: Grant
    Filed: September 29, 2000
    Date of Patent: July 6, 2004
    Assignee: Fair Issac Corporation
    Inventors: William R. Caid, Robert Hecht-Neilsen
  • Patent number: 6691136
    Abstract: The most and least frequently accessed data records are contiguously stored on static media. Additionally, a buffer in random access memory holds copies of the most recently accessed records. Updated records are copied from the buffer, and contiguously stored in a separate file on static media. Non-accessed records are contiguously consolidated.
    Type: Grant
    Filed: December 22, 2000
    Date of Patent: February 10, 2004
    Assignee: Fair Issac Corporation
    Inventors: Walter Lee, John Lipham, George Kisslak