Other

Cybersource Corporation

Frank M King

John W Pettit

William Alfred Wright

Michael W Lewis

Thomas A Arnold

Steven A Schorr

Evaluating fraud risk in a transaction between consumer and a merchant over a network is disclosed. The merchant requests service over the network using a secure, open messaging protocol. An e-commerce transaction or electronic purchase order is received from the merchant, the level of risk associated with each order is measured, and a risk score is returned to the merchant. In one embodiment, data validation, highly predictive artificial intelligence pattern matching, network data aggregation and negative file checks are used to examine numerous factors to calculate fraud risk. A risk score is generated and compared to the merchant's specified risk threshold. The result is returned to the merchant for order disposition.

Method and apparatus for generating a bi-gram score in fraud risk analysis

A technique for evaluating fraud risk in e-commerce transactions between consumer and a merchant is disclosed. The merchant requests service from the system using a secure, open messaging protocol. An e-commerce transaction or electronic purchase order is received from the merchant, the level of risk associated with each order is measured, and a risk score is returned. In one embodiment, data validation, highly predictive artificial intelligence pattern matching, network data aggregation and negative file checks are used. The system performs analysis including data integrity checks and correlation analyses based on characteristics of the transaction. Other analysis includes comparison of the current transaction against known fraudulent transactions, and a search of a transaction history database to identify abnormal patterns, name and address changes, and defrauders. In one alternative, scoring algorithms are refined through use of a closed-loop risk modeling process enabling the service to adapt to new or changing fraud patterns.

Method and apparatus for evaluating fraud risk in an electronic commerce transaction

A method for playing a blackjack type game including a 'Dealer Hand' and a 'Player Hand'. At least one Customer wagers a first bet on any one of a Dealer betting station corresponding to the 'Dealer Hand', a Player betting station corresponding to the 'Player Hand', and a tie betting station corresponding to a tie between the 'Dealer Hand' and the 'Player Hand'. The object of the game is to wager on the winning hand. Upon the Customer wagering on the Player Betting Station, the Customer executes strategic card play of his Player Hand in accordance with the house rules of blackjack. Upon the Customer wagering on any one of the Dealer Betting station and the Tie Betting Station, the Dealer executes play of both the Player Hand and the Dealer Hand in accordance with a predetermined set of rules. If the Customer has wagered on a winning station, the Customer wins.

Method of playing a blackjack type card game

A method for playing a blackjack type game including a 'Dealer Hand' and a common 'Player Hand'. At least one Customer wagers a first bet on any one of a Dealer betting station corresponding to the 'Dealer Hand', a Player betting station corresponding to the Common 'Player Hand', and a tie betting station corresponding to a tie between the 'Dealer Hand' and the Common 'Player Hand'. The object of the game is to wager on the winning hand. The Dealer executes play of both the Common 'Player Hand' and the 'Dealer Hand' in accordance with a predetermined set of rules. If the at least one Customer has wagered on a winning station, the Customer wins. Thus, the Customer wagers on the outcome of the blackjack game without actually participating in the card play.

Growing community of inventors

So. Lake Tahoe, CA, United States of America

Frank M King