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. 06, 2012
Filed:
Jun. 27, 2008
Vesselin Diev, San Diego, CA (US);
Shailesh Kumar, San Diego, CA (US);
Scott M. Zoldi, San Diego, CA (US);
Vesselin Diev, San Diego, CA (US);
Shailesh Kumar, San Diego, CA (US);
Scott M. Zoldi, San Diego, CA (US);
Fair Isaac Corporation, Minneapolis, MN (US);
Abstract
A system for classifying a transaction as fraudulent includes a training component and a scoring component. The training component acts on historical data and also includes a multi-dimensional risk table component comprising one or more multidimensional risk tables each of which approximates an initial risk value for a substantially empty cell in a risk table based upon risk values in cells related to the substantially empty cell. The scoring component produces a score, based in part, on the risk tables associated with groupings of variables having values determined by the training component. The scoring component includes a statistical model that produces an output and wherein the transaction is classified as fraudulent when the output is above a selected threshold value.