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:
Dec. 11, 2001
Filed:
Oct. 05, 1998
Krishna M. Gopinathan, San Diego, CA (US);
Allen Jost, San Diego, CA (US);
Louis S. Biafore, Del Mar, CA (US);
William M. Ferguson, San Diego, CA (US);
Michael A. Lazarus, Del Mar, CA (US);
Anu K. Pathria, Oakland, CA (US);
HNC Software, Inc., San Diego, CA (US);
Abstract
An automated system and method detects fraudulent transactions using a predictive model such as a neural network to evaluate individual customer accounts and identify potentially fraudulent transactions based on learned relationships among known variables. The system may also output reason codes indicating relative contributions of various variables to a particular result. The system periodically monitors its performance and redevelops the model when performance drops below a predetermined level.