Fair Isaac Corporation

Fair Isaac and Company, Inc.

Stuart L Crawford

Sergei Tolmanov

Michael Steele

Navin Doshi

Kashyap Babu Rao Kolipaka

Megan Thorsen

Gaurav Chhaparwal

Prasun Kumar

Chris Erickson

Joseph P Milana

Victor Miagkikh

Ashutosh Joshi

Shailesh Kumar

Andrew Flint

Xing Zhao

Helen Geraldine E Rosario

Colin Little

Ronald L Martin

Sharon Anne Hatcher

Keith Owen Hillestad

Thomas J Quinn

Michael William Rapaport

Sue Ann Simon

Cheryl Lynne St John

Richard Schiffman

Robert M Fung

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

A software system and method for executing secure commercial transactions online is disclosed. The system intercepts and verifies, against consumer provided inputs, Secure Socket Layer (SSL) communications from normal Web browser usage. The system can include a software module loaded onto the consumer's client computer, and which uses independently-derived look-ups to associate a web domain name with its SSL public key to verify that a given web session is appropriately encrypted.

Consumer-driven secure sockets layer modulator

A tree structure of plurality of information records arranged is recursively grown by splitting at least a portion of the records and by generating at least one predictive model. Related apparatus, systems, methods and computer program products are also described.

Automating growth and evaluation of segmentation trees

A product space browser (PSB), which comprises a graphical user interface (GUI) that facilitates insight discovery through exploration and analysis of product space graphs generated by applying a product affinity engine to retailer's transaction data in a market basket context, is disclosed.

Product space browser

A software system and method for executing secure commercial transactions online is disclosed. A user's password is received to initiate secure socket layer (SSL) communications with a transaction site on a server. A web session associated with the SSL communications is encrypted by associating a domain name of the transaction site with its SSL public key. Then, the user's password is added to a hypertext markup language (HTML) header of a message within the web session. When added, the password is invisible to a hypothetical man-in-the-middle (MITM) attacker, who cannot read the encrypted message nor mimic the user. The MITM is thus unable to compromise the user's account as the MITM is unable to provide the correct password into any fraudulent message.

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

The invention comprises an article and method for transforming a complex or large decision tree having multiple variables; multiple values for each variable; and, multiple outcomes for each combination of variables and their associated values, into a compact, efficient graphical representation to provided enhanced ease of use and interaction by a human user. More particularly, the invention comprises a computationally efficient method for transforming an input decision tree into an optimal compact representation by computing a particular ordering of variables in the decision tree that first leads to a Directed Acyclic Graph, or 'DAG,' with a minimum number of nodes. The method then converts the DAG into an exception-based DAG, or 'EDAG,' with exactly one exception, having an optimal, minimum number of nodes with increased comprehensibility for a user.

Article and method for finding a compact representation to visualize complex decision trees

The invention provides an overall architecture for optimal strategy design using both historical data and human expertise. The presently preferred architecture supports the tasks of strategy design and strategy analysis, and provides extensions to influence diagrams, translation of an influence diagram as a nonlinear optimization problem, and use of induction after optimization to derive decision rules.

Model-based and data-driven analytic support for strategy development

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

Piedmont, CA, United States of America

Stuart L Crawford