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:
Jul. 31, 2007
Filed:
Sep. 29, 2000
Walter W. Lee, La Mesa, CA (US);
Daniel Shoham, San Diego, CA (US);
Wesley K. Wilhelm, Spokane, WA (US);
Joseph P. Milana, San Diego, CA (US);
Alan P. Jost, San Diego, CA (US);
Walter W. Lee, La Mesa, CA (US);
Daniel Shoham, San Diego, CA (US);
Wesley K. Wilhelm, Spokane, WA (US);
Joseph P. Milana, San Diego, CA (US);
Alan P. Jost, San Diego, CA (US);
Fair Isaac Corporation, San Diego, CA (US);
Abstract
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.