Other

Cybersource Corporation

Lockheed Martin Corporation

Mission Crane Service, Inc.

Michael W Lewis

John W Pettit

William Alfred Wright

Thomas A Arnold

Frank M King

Patrick G Sullivan

Allan L Jenkins

Jo Dee Jensen Smith

Steven G Fockler

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 wall mounted urinal has a detachable urinal insert where the insert provides a frontally directed opening for receiving a urine stream. The insert provides a lower surface in contact with the bottom surface of the urinal for supporting the insert, and an upper surface or a rear surface, or both, for stabilizing the insert within the urinal. A splash capturing surface defines an aperture for admitting a urine stream, the aperture comprising an area inferior to that of the frontally directed opening of the urinal and extending outwardly from it.

Urinal splash guard insert

A hideable tracking monitoring apparatus is provided for communicating the presence of an emergency to a monitoring station. The monitoring station then triangulates the location of the emergency signal and alerts an emergency response vehicle.

Hideable tracking monitor

An anchoring system for securing hardware having an aperture to a deck using a fastener, the anchoring system including a tie-down, an attachment lug configured to engage the tie-down, and a stud extending outwardly from the attachment lug. The tie-down includes a plate with a recess formed therein, and at least two arms traversing the recess. The attachment lug includes a base with a stud receiving aperture formed therein, and a cylindrical sidewall extending outwardly from the base. The cylindrical sidewall of the attachment lug has at least two notches extending partially therearound adapted to receive the at least two arms of the tie-down. The stud is insertable through the aperture in the hardware so that the fastener can be received on the stud to effectively clamp the hardware to the deck.

Anchoring system

A vend every time skill crane wherein a vendable prize, such as a capsule containing an item, is dispensed every time money is inserted into the machine while the claw and associated manipulator are simultaneously energized for an allotted play opportunity to allow a player to attempt to grasp and retrieve a prize, such as a stuffed toy animal or other items.

Vend every time skill crane

A skill crane cabinet having an extruded aluminum frame assembly formed with channels selectively receiving panels forming the side, back and front walls of the cabinet. The panels have various decorative appearances to blend in and compliment the decor of the particular business establishment in which the cabinet is placed.

Skill crane cabinet

A canoe and paddle support to facilitate attachment of paddles to a canoe for storage, auto transport, and particularly portaging of the canoe. The invention has a body preferably made of a resilient material. The body has a lateral slot adapted to removably retain the thwart of a canoe, a longitudinal slot adapted to removably retain a canoe paddle and oriented in approximately perpendicular relation to the lateral slot, so that the paddle is held in an orientation approximately longitudinal with respect to the center line of the canoe, and a carrying surface facing downwardly when the thwart and the paddle are retained in the lateral and longitudinal slots and the canoe is inverted, the carrying surface being adapted to provide a convenient path for transmitting the weight of the canoe to the shoulders of the person transporting the canoe. The paddle supports are preferably used in pairs for securing each paddle to two spaced thwarts of the canoe and provide, in combination with the canoe and paddle, a stable support structure.

Growing community of inventors

San Juan Capistrano, CA, United States of America

Michael W Lewis