Frank M King

Title: **Innovative Contributions of Frank M. King in Fraud Risk Analysis**

Introduction

Frank M. King, an accomplished inventor based in South Lake Tahoe, California, has made significant contributions in the field of fraud risk analysis. With a portfolio of five patents, his work focuses on developing advanced methodologies to evaluate and mitigate risks in electronic commerce transactions.

Latest Patents

Among his latest patents is a groundbreaking **method and apparatus for generating a bi-gram score in fraud risk analysis**. This patent discloses a system for evaluating fraud risk in transactions between consumers and merchants over a secure network. The process begins with the merchant using an open messaging protocol to request services. Upon receiving an electronic transaction order, the system assesses the risk level associated with each order, returning a corresponding risk score to the merchant. Utilizing data validation, predictive artificial intelligence pattern matching, network data aggregation, and negative file checks, the system analyzes numerous factors to calculate fraud risk accurately. The risk score is then compared to the merchant's specified threshold to inform order disposition.

In addition, King holds a patent for a **method and apparatus for evaluating fraud risk in an electronic commerce transaction**. This technique also focuses on e-commerce transactions, incorporating similar elements from his bi-gram score system. The evaluation process involves a comprehensive analysis incorporating data integrity checks and correlation analyses based on defining characteristics of the transaction. The system not only compares current transactions against known fraudulent ones but also searches through a transaction history database for abnormal patterns, name and address changes, and potential fraudsters. Moreover, it features refined scoring algorithms through a closed-loop risk modeling process, enabling adaptation to evolving fraud patterns.

Career Highlights

Throughout his career, Frank M. King has been associated with reputable companies, notably Cybersource Corporation, where he contributed his expertise in fraud risk evaluation. His technical innovations have greatly enhanced the reliability and security of electronic transactions, pioneering techniques that are now critical in today's digital marketplace.

Collaborations

In his professional journey, King has collaborated with notable colleagues, including Michael W. Lewis and Thomas A. Arnold. Together, they have pushed the boundaries of technology in the realm of fraud analysis, facilitating safer online commerce through innovative solutions.

Conclusion

Frank M. King continues to be a leading figure in the innovation of fraud risk analysis technology. His patented methods not only enhance transaction security but also reflect his commitment to pioneering advanced solutions for the rapidly growing e-commerce sector. As technology evolves, King's contributions remain integral in shaping a safer digital economy.