Opera Solutions Usa, LLC

Jenny Zhang

Lei Shi

Yonghui Chen

Gregory Gancarz

Chengwei Huang

Jeong-Yoon Lee

Weiqiang Wang

Kathleen Marie Crowe

A system for automatically recommending treatments for delinquent accounts in collections is provided. The system includes one or more sub-models for analyzing and scoring delinquent accounts and comparing them to historical accounts to identify similar historical accounts. The system can select and recommend one or more treatments for the delinquent account based on treatments for the historical accounts that may have previously provided a favorable outcome for a similar account. The system may test the efficacy of new treatments and incorporate the results into the memory, thereby learning and adapting to new treatments and account behavior.

Recommender engine for collections treatment selection

Provided is a system for detecting a merchant point of compromise. More specifically, provided is a system for detecting a merchant point of compromise comprising a computer system in electronic communication with a transaction processing network containing transaction information, the computer system comprising a point-of-compromise detector, said point-of-compromise detector performing the steps of electronically receiving from the transaction processing network the transaction information; generating at least one of an undirected network or a directed network based on the transaction information; extracting features from the at least one of the undirected network or the directed network; and identifying one or more point-of-compromise merchants based on the extracted features.

System and method for detecting merchant points of compromise using network analysis and modeling

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San Diego, CA, United States of America

Jenny Zhang