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).

  • Patent number: 10440041
    Abstract: 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: Grant
    Filed: September 18, 2018
    Date of Patent: October 8, 2019
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Haochuan Zhou, Hung-Tzaw Hu, Rong Zhang, Benjamin Scott Boding
  • Publication number: 20190268378
    Abstract: 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: Application
    Filed: May 8, 2019
    Publication date: August 29, 2019
    Inventors: Haochuan Zhou, Hung-Tzaw Hu, Rong Zhang, Benjamin Scott Boding
  • Publication number: 20190268382
    Abstract: 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: Application
    Filed: May 14, 2019
    Publication date: August 29, 2019
    Inventors: Hung-Tzaw HU, Haochuan ZHOU, Benjamin Scott BODING
  • Patent number: 10333982
    Abstract: 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: Grant
    Filed: April 19, 2016
    Date of Patent: June 25, 2019
    Assignee: Visa International Service Association
    Inventors: Hung-Tzaw Hu, Haochuan Zhou, Benjamin Scott Boding
  • Patent number: 10320846
    Abstract: 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: Grant
    Filed: November 30, 2016
    Date of Patent: June 11, 2019
    Assignee: Visa International Service Association
    Inventors: Haochuan Zhou, Hung-Tzaw Hu, Rong Zhang, Benjamin Scott Boding
  • Publication number: 20190089726
    Abstract: 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: Application
    Filed: September 18, 2018
    Publication date: March 21, 2019
    Inventors: Haochuan Zhou, Hung-Tzaw Hu, Rong Zhang, Benjamin Scott Boding
  • Patent number: 10110621
    Abstract: 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: Grant
    Filed: November 14, 2017
    Date of Patent: October 23, 2018
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Haochuan Zhou, Hung-Tzaw Hu, Rong Zhang, Benjamin Scott Boding
  • Publication number: 20180204215
    Abstract: A data structure provides reliable data allowing a security application to detect potential instances of fraudulent use of a payment account. The data structure can be generated using data elements associated with transactions from new authentication requests in a transaction. Once the data structure is generated, clusters within the data structure can be associated with legitimate authentication requests or potentially fraudulent authentication requests. A baseline cluster can be identified from the data structure and used to determine whether the new incoming authentication requests are legitimate or potentially fraudulent.
    Type: Application
    Filed: January 17, 2017
    Publication date: July 19, 2018
    Inventors: Hung-Tzaw Hu, Haochuan Zhou, Ge Wen, Benjamin Scott Boding
  • Publication number: 20180152478
    Abstract: 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: Application
    Filed: November 30, 2016
    Publication date: May 31, 2018
    Inventors: Haochuan Zhou, Hung-Tzaw Hu, Rong Zhang, Benjamin Scott Boding
  • Publication number: 20180139225
    Abstract: 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: Application
    Filed: November 14, 2017
    Publication date: May 17, 2018
    Inventors: Haochuan Zhou, Hung-Tzaw Hu, Rong Zhang, Benjamin Scott Boding
  • Patent number: 9853993
    Abstract: 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: Grant
    Filed: November 15, 2016
    Date of Patent: December 26, 2017
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Haochuan Zhou, Hung-Tzaw Hu, Rong Zhang, Benjamin Scott Boding
  • Publication number: 20170302702
    Abstract: 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: Application
    Filed: April 19, 2016
    Publication date: October 19, 2017
    Inventors: Hung-Tzaw Hu, Haochuan Zhou, Benjamin Scott Boding