Fair Isaac Corporation

Min Shao

Scott Michael Zoldi

Joseph P Milana

Wesley Kenneth Wilhelm

Walter W Lee

Daniel Shoham

Radu Drossu

Gordon Cameron

Jenny (Guofeng) Zhang

Ron Martin

Transaction processing of online transactions at merchant sites determines the likelihood that such transactions are fraudulent, accounting for unreliable fields of a transaction order, which fields do not reliably identify a purchaser. A scoring server using statistical model uses multiple profiles associated with key fields, along with weights to indicate the degree to which the profiles identify the purchaser of the transaction.

Identification and management of fraudulent credit/debit card purchases at merchant ecommerce sites

A predictive model, for example, a neural network, evaluates individual debt holder accounts and predicts the amount that will be collected on each account based on learned relationships among known variables. The predictive model is generated using historical data of delinquent debt accounts, the collection methods used to collect the debts in the accounts, and the success of the collection methods. In one embodiment, the predictive model is generated using profiles of delinquent debt accounts summarizing patterns of events in the accounts, and the success of the collection effort in each account. In another embodiment, the predictive model includes a mathematical representation of the collector's notes created during the collection period for each account.

Enhancing delinquent debt collection using statistical models of debt historical information and account events

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San Diego, CA, United States of America

Min Shao