Other

Visa International Service Association

Visa U.s.a. Inc.

Thomas H Dwyer

Kevin Paul Siegel

Christopher Brown

Mark Allen Nelsen

Nancy Hilgers

Frederick Liu

Charles Raymond Byce

Robert L Grossman

Aoyu Chen

Randi Annette Paynter

Rules, applied to deny authorization of likely fraudulent transactions, are derived from a modified Patient Rule Induction Method algorithm that uses a target variable and a data set of past transactions each associated with a plurality of input variables and a hyper-rectangle enclosing a multi-dimensional space defined by a representation of the input variable values as points within the multi-dimensional space. While a count of the points within the hyper-rectangle is greater than a minimum support parameter, a first plurality of points proximal to edges of the hyper-rectangle are removed, where each such removing maximizes a mean value of the target variable, and then, while the mean value remains maximized, a second plurality of points proximal to the edges is added, where each adding maximizes or maintains the mean value. The hyper-rectangle is bounded within a minimum bounding box that defines the rules.

Risk assessment rule set application for fraud prevention

A system, apparatus, and method for reducing fraud in payment transactions by identifying a potential point of compromise (POC) that may lead to subsequent fraudulent transactions, or confirming that a suspected point of compromise is in fact responsible for a security breach leading to fraudulent payment transactions. The invention is also directed to a system, apparatus, and method for identifying data or transaction characteristics that may be used to most effectively identify a point of compromise in a payment transaction system.

System and method for identifying a point of compromise in a payment transaction processing system

A plurality of individual pot stands which have support rings of substantially identical size and construction but each having three legs of different lengths than the legs on the other stands. The stands may be nested and stacked together by placing the rings on top of each other and supporting the whole assembly on the stand with the longest legs. Individually the stands may be used to support pots and the like as a double-boiler, for cooling a pot or for warming the pot from a flame beneath like a chafing dish.

Nestable pot stands

Growing community of inventors

Atlanta, GA, United States of America

Thomas H Dwyer