Fair Isaac Corporation

Fair Isaac and Company, Inc.

Michael Steele

Stuart L Crawford

Sergei Tolmanov

Megan Thorsen

Navin Doshi

Kashyap Babu Rao Kolipaka

Chris Erickson

Gaurav Chhaparwal

Prasun Kumar

Andrew Flint

Ethan J Dornhelm

Victor Miagkikh

Sue Ann Simon

Cheryl Lynne St John

Sharon Hatcher Tilley

Jeffrey Jue

Edward Koichi McAvoy

Sharon Anne Hatcher

Keith Owen Hillestad

Thomas J Quinn

Michael William Rapaport

Fraud detection is facilitated by developing account cluster membership rules and converting them to database queries via an examination of clusters of linked accounts abstracted from the customer database. The cluster membership rules are based upon certain observed data patterns associated with potentially fraudulent activity. In one embodiment, account clusters are grouped around behavior patterns exhibited by imposters. The system then identifies those clusters exhibiting a high probability of fraud and builds cluster membership rules for identifying subsequent accounts that match those rules. The rules are designed to define the parameters of the identified clusters. When the rules are deployed in a transaction blocking system, when a rule pertaining to an identified fraudulent cluster is triggered, the transaction blocking system blocks the transaction with respect to new users who enter the website.

Systems and methods for fraud detection via interactive link analysis

Techniques for visualization of decision logic are provided. In one aspect, the techniques can be implemented by providing a control within a graphical user interface to a user. The control can display a plurality of graphical user interface elements corresponding to linked nodes within a hierarchical structure. An input identifying a selected graphical user interface element within the control can be generated by a user. A selected node within the hierarchical structure can be identified based on the selected graphical user interface element. In response to a request from a user, modifying an appearance of a subset of the linked nodes within the hierarchical structure based on a desired visualization criteria, the linked nodes within the hierarchical structure and the selected node.

Visualization of decision logic

A request to compare strategies is received. The first strategy can be graphically represented by a first set of linked nodes arranged in a first form of decision logic. The second strategy can be graphically represented by a second set of linked nodes arranged in a second form of decision logic. The first set of linked nodes can be converted to a first modified set of linked nodes arranged in a third form of decision logic. The second set of linked nodes can be converted to a second modified set of linked nodes arranged in the third form of decision logic. A color-coded visual representation of the first modified set of linked nodes and the second modified set of linked nodes can be provided to a user. Related apparatus, techniques, and articles are also described.

Color-coded visual comparison of decision logic

Data characterizing a plurality of related action graphs is received. Thereafter, the plurality of related action graphs are transformed into a logically equivalent structure so that rendering of the logically equivalent structure can be initiated. Related interfaces, apparatus, systems, techniques and articles are also described.

Construction of decision logic with graphs

Techniques are described for logically comparing strategies. In one aspect the strategies can be compared by receiving a request to compare a first strategy to a second strategy, the first strategy graphically represented by a first set of linked nodes, the second strategy graphically represented by a second set of linked nodes, each set of linked nodes linking a root node to at least one action node; identifying a subset of linked nodes from at least one of the first set of linked nodes and the second set of linked nodes based on an equivalence of a first subset of the first set of linked nodes to a second subset of the second set of linked nodes; and, providing a visual depiction of the identified subset of the linked nodes to a user, the visual depiction corresponding to the equivalence of the first subset to the second subset.

Decision logic comparison and review

The invention comprises a method and apparatus for explaining credit scores, for example in connection with a credit score explanation service, in which consumers can identify the sources of information used to establish their credit score, supply their credit report and credit score information in connection with their application for credit-related products and services, such as loans, and determine the effect on their credit score and cost for credit-related products and services based upon various hypothetical changes in their credit behavior.

Method and apparatus for explaining credit scores

A system and method is provided that provides tools to consumers to help consumers understand their credit scores and how to take action to improve their credit scores. A system and method for each of and for a combination of a score estimating tool, a best action simulation tool, an easy error correction tool, and a score improvement tool are provided.

System and method for helping consumers understand and interpret credit scores

The invention herein draws from the design principles of the field of information visualization and provides a series of design principles for the efficient display of large strategies, based in part upon the use of fish-eye views. Specific principles include any of the following: do not let the off screen part of strategy affect the display of the on screen part of the strategy; do not try to show detail where it is not important; always show the condition path; no scroll bars; provide navigational shortcuts; provide navigational cues; fit as much information on the screen as possible; maintain a consistent top of the strategy-children orientation; fit the strategy display into a rectangular view; and be capable of rendering all strategies.

Growing community of inventors

Berkeley, CA, United States of America

Michael Steele