Abstract: Transaction processing of online transactions at merchant sites determines the likelihood that such transactions are fraudulent, accounting for unreliable fields of a transaction order, which fields do not reliably identify a purchaser. A scoring server using statistical model uses multiple profiles associated with key fields, along with weights to indicate the degree to which the profiles identify the purchaser of the transaction.

Abstract: A predictive model, for example, a neural network, evaluates individual debt holder accounts and predicts the amount that will be collected on each account based on learned relationships among known variables. The predictive model is generated using historical data of delinquent debt accounts, the collection methods used to collect the debts in the accounts, and the success of the collection methods. In one embodiment, the predictive model is generated using profiles of delinquent debt accounts summarizing patterns of events in the accounts, and the success of the collection effort in each account. In another embodiment, the predictive model includes a mathematical representation of the collector's notes created during the collection period for each account.

Abstract: A predictive model, for example, a neural network, evaluates individual debt holder accounts and predicts the amount that will be collected on each account based on learned relationships among known variables. The predictive model is generated using historical data of delinquent debt accounts, the collection methods used to collect the debts in the accounts, and the success of the collection methods. In one embodiment, the predictive model is generated using profiles of delinquent debt accounts summarizing patterns of events in the accounts, and the success of the collection effort in each account. In another embodiment, the predictive model includes a mathematical representation of the collector's notes created during the collection period for each account.

Abstract: A tunneling infrastructure provides TCP port forwarding from a client running on a client network to a server running on a server network, where the client and servers can be behind separate firewalls. To tunnel TCP, a “server socket” capability is provided, allowing the client to establish a connection to the server across the tunnel. A direct, port forwarding scheme is implemented. The client side is the driver for the tunnel operation. The client maintains multiple URL (Universal Resource Locator) connections to the server side tunnel allowing data to flow in both directions. The client's SendToServer connection(s) use the HTTP POST method to send data from the client side to the server side. The client's ReceiveFromServer connection(s) use the HTTP GET method, and allow data to be sent from the server side to the client side.

Abstract: Transaction processing of online transactions at merchant sites determines the likelihood that such transactions are fraudulent, accounting for unreliable fields of a transaction order, which fields do not reliably identify a purchaser. A scoring server using statistical model uses multiple profiles associated with key fields, along with weights to indicate the degree to which the profiles identify the purchaser of the transaction.