Fair Isaac Corporation

Fair Issac Corporation

Walter W Lee

Joseph P Milana

Wesley Kenneth Wilhelm

Min Shao

Daniel Shoham

Allen P Jost

John Lipham

Alan P Jost

George Kisslak

The invention aids an entity operating on the Internet or on another network to selectively request additional data about a user who has made a request for an interaction with the entity. The invention helps an entity to determine when and how to request additional data so as to reduce the likelihood of causing the user to have an adverse reaction, e.g., terminate the interaction. One embodiment of the invention concerns customers requesting transactions with on-line merchants. More specifically, this embodiment aids merchants by detecting Internet credit card transactions that are likely to be fraudulent, and providing the merchants with mechanisms for managing a suspected transaction as it occurs to obtain additional information that can be useful to reducing the likelihood of fraud.

Score based decisioning

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

The invention aids an entity to selectively request additional data about a user to serve the needs of the entity without causing the user to have an adverse reaction. The invention helps an entity to determine the condition under which to request additional data so as to reduce the likelihood of causing the user to have an adverse reaction, e.g., terminate the interaction. One embodiment of the invention concerns customers requesting transactions with on-line merchants. More specifically, this embodiment aids merchants by detecting Internet credit card transactions that are likely to be fraudulent, and providing the merchants with mechanisms for managing a suspected transaction as it occurs to obtain additional information that can be useful to reducing the likelihood of fraud.

The most and least frequently accessed data records are contiguously stored on static media. Additionally, a buffer in random access memory holds copies of the most recently accessed records. Updated records are copied from the buffer, and contiguously stored in a separate file on static media. Non-accessed records are contiguously consolidated.

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La Mesa, CA, United States of America

Walter W Lee