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:
Sep. 08, 2020
Filed:
Jul. 18, 2008
Stuart L. Crawford, Piedmont, CA (US);
Chris Erickson, Michigan City, IN (US);
Victor Miagkikh, San Francisco, CA (US);
Michael Steele, Berkeley, CA (US);
Megan Thorsen, Sunnyvale, CA (US);
Sergei Tolmanov, Walnut Creek, CA (US);
Stuart L. Crawford, Piedmont, CA (US);
Chris Erickson, Michigan City, IN (US);
Victor Miagkikh, San Francisco, CA (US);
Michael Steele, Berkeley, CA (US);
Megan Thorsen, Sunnyvale, CA (US);
Sergei Tolmanov, Walnut Creek, CA (US);
Fair Isaac Corporation, Minneapolis, MN (US);
Abstract
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.