Fair Isaac Corporation

Nice Systems Ltd.

Wesley Kenneth Wilhelm

Joseph P Milana

Walter W Lee

Daniel Shoham

Min Shao

Allen P Jost

Pinchas Ben-Or

Shlomi Cohen-Ganor

Alan P Jost

A system and method for determining a risk root cause are provided. A first and second fraud related risk scores respectively associated with a first and second nodes may be determined. A relation strength value related to at least one relation between the first and second nodes may be determined. A relation strength value and a first and second node risk scores may be used to calculate a cluster risk score for a cluster including the first and second nodes. Other embodiments are described and claimed.

System and method for determining a risk root cause

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.

Growing community of inventors

Spokane, WA, United States of America

Wesley Kenneth Wilhelm