The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Mar. 03, 2020
Filed:
Jan. 20, 2016
Fair Isaac Corporation, San Jose, CA (US);
Scott Michael Zoldi, San Diego, CA (US);
Yuting Jia, San Diego, CA (US);
Kiyoung Yang, San Diego, CA (US);
Heming Xu, San Diego, CA (US);
Fair Isaac Corporation, Minneapolis, MN (US);
Abstract
The current subject matter describes a method and system of detecting frauds or anomalous behavior. The procedures include extracting characteristics from a dataset to generate words and documents, executing a topic model to obtain the respective probabilities of appearance of a document in each latent archetype, dividing the dataset into a plurality of subsets based upon the archetypes. The formed subsets are further utilized to estimate the quantiles and calculate scores using a self-calibrating outlier model. The score of each new transaction is determined based on a single archetype or based on the sum of weighted scores determined from all the archetypes and associated statistics. Such methods are superior to a simple self-calibration outlier model without an LDA archetype. The detection system with the LDA archetypes and self-calibrating outlier model is implemented with the sliding window technique incorporating new transactions into the topic model and it is capable of operating in real-time for the purpose of identifying frauds and outliers.