Fair Isaac Corporation

Prodip Hore

Scott Michael Zoldi

Larry Peranich

Surjit Singh

A computer-implemented method of tagging a transaction that includes tagging a transaction with one of a first tag value or a second tag value, forming a set of clusters associated with the tagged transactions having a first value, and forming a second set of clusters associated with the tagged transactions having a second value. The computer implemented method also includes determining a fuzzy tag value based on a relationship between the transaction and one of the centroids of the clusters having a first tag value, and one of the centroids of the clusters having second value. The method also includes replacing the first tag value or the second tag value with the fuzzy tag value.

Fuzzy tagging method and apparatus

A system and method for automated variable creation for adaptive fraud analytics are disclosed. A data structure for creation of rules is generated. The data structure represents nodes and associations between nodes from inputs for fraud/non-fraud conditions, and is generated from fraud and non-fraud data collected in an adaptive modeling process from past transactions. All unique paths between nodes of the data structure are determined to define a rule for each path. Each rule is then converted to a binary indicator variable to generate a set of binary indicator variables, and one or more complex variables is derived from the set of binary indicator variables. The one or more binary indicator variables and one or more complex variables can be provided to an adaptive scoring engine to score new transactions or to predict future behaviors.

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Prodip Hore