GB2384087A - Score based decisioning - Google Patents
Score based decisioning Download PDFInfo
- Publication number
- GB2384087A GB2384087A GB0308726A GB0308726A GB2384087A GB 2384087 A GB2384087 A GB 2384087A GB 0308726 A GB0308726 A GB 0308726A GB 0308726 A GB0308726 A GB 0308726A GB 2384087 A GB2384087 A GB 2384087A
- Authority
- GB
- United Kingdom
- Prior art keywords
- merchants
- score
- fraud
- transaction
- transactions
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Withdrawn
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Engineering & Computer Science (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Marketing (AREA)
- Strategic Management (AREA)
- Technology Law (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
Abstract
The invention aids an entity (119, 120) to selectively request additional data about a user (117) to serve the needs of the entity (119, 120) without causing the user (117) to have an adverse reaction. One embodiment of the invention concerns customers (117) requesting transactions with on-line merchants (120). More specifically, this embodiment aids merchants (120) by detecting Internet credit card transactions that are likely to be fraudulent, and providing the merchants (120) with mechanisms (107) for managing a suspected transaction as it occurs to obtain additional information that can be useful to reducing the likelihood of fraud. An transaction scoring model (107) provides a fraud score for the requested transaction. The fraud score is received at the decision module (114) which evaluates the score with various criteria or filters that can be selected by the merchant (120). Based on the fraud score, some transactions allow an additional request for information.
Description
(72) cost Joseph R. Milana Allen P Jod (74) Agent and/or Address for
Service J A Kemp & Co. 14 South Square, Gray's Inn, LONDON, WC1R 5JJ, United Kingdom
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US09/675,992 US7251624B1 (en) | 1992-09-08 | 2000-09-29 | Score based decisioning |
PCT/US2001/030193 WO2002027610A1 (en) | 2000-09-29 | 2001-09-26 | Score based decisioning |
Publications (2)
Publication Number | Publication Date |
---|---|
GB0308726D0 GB0308726D0 (en) | 2003-05-21 |
GB2384087A true GB2384087A (en) | 2003-07-16 |
Family
ID=24712766
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
GB0308726A Withdrawn GB2384087A (en) | 2000-09-29 | 2001-09-26 | Score based decisioning |
Country Status (3)
Country | Link |
---|---|
AU (1) | AU2001294775A1 (en) |
GB (1) | GB2384087A (en) |
WO (1) | WO2002027610A1 (en) |
Cited By (10)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US7841004B1 (en) | 2007-04-05 | 2010-11-23 | Consumerinfo.Com, Inc. | Child identity monitor |
US7991689B1 (en) | 2008-07-23 | 2011-08-02 | Experian Information Solutions, Inc. | Systems and methods for detecting bust out fraud using credit data |
US8214262B1 (en) | 2006-12-04 | 2012-07-03 | Lower My Bills, Inc. | System and method of enhancing leads |
US8364588B2 (en) | 2007-05-25 | 2013-01-29 | Experian Information Solutions, Inc. | System and method for automated detection of never-pay data sets |
US9110916B1 (en) | 2006-11-28 | 2015-08-18 | Lower My Bills, Inc. | System and method of removing duplicate leads |
US9652802B1 (en) | 2010-03-24 | 2017-05-16 | Consumerinfo.Com, Inc. | Indirect monitoring and reporting of a user's credit data |
US10373198B1 (en) | 2008-06-13 | 2019-08-06 | Lmb Mortgage Services, Inc. | System and method of generating existing customer leads |
US10453093B1 (en) | 2010-04-30 | 2019-10-22 | Lmb Mortgage Services, Inc. | System and method of optimizing matching of leads |
US10937090B1 (en) | 2009-01-06 | 2021-03-02 | Consumerinfo.Com, Inc. | Report existence monitoring |
US11030562B1 (en) | 2011-10-31 | 2021-06-08 | Consumerinfo.Com, Inc. | Pre-data breach monitoring |
Families Citing this family (19)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US8650103B2 (en) | 2001-10-17 | 2014-02-11 | Ebay, Inc. | Verification of a person identifier received online |
US8732004B1 (en) | 2004-09-22 | 2014-05-20 | Experian Information Solutions, Inc. | Automated analysis of data to generate prospect notifications based on trigger events |
US8036979B1 (en) | 2006-10-05 | 2011-10-11 | Experian Information Solutions, Inc. | System and method for generating a finance attribute from tradeline data |
US8606666B1 (en) | 2007-01-31 | 2013-12-10 | Experian Information Solutions, Inc. | System and method for providing an aggregation tool |
US8606626B1 (en) | 2007-01-31 | 2013-12-10 | Experian Information Solutions, Inc. | Systems and methods for providing a direct marketing campaign planning environment |
US9396465B2 (en) | 2009-07-22 | 2016-07-19 | Visa International Service Association | Apparatus including data bearing medium for reducing fraud in payment transactions using a black list |
US10438181B2 (en) | 2009-07-22 | 2019-10-08 | Visa International Service Association | Authorizing a payment transaction using seasoned data |
US8620798B2 (en) | 2009-09-11 | 2013-12-31 | Visa International Service Association | System and method using predicted consumer behavior to reduce use of transaction risk analysis and transaction denials |
EP2676197B1 (en) | 2011-02-18 | 2018-11-28 | CSidentity Corporation | System and methods for identifying compromised personally identifiable information on the internet |
US10255598B1 (en) | 2012-12-06 | 2019-04-09 | Consumerinfo.Com, Inc. | Credit card account data extraction |
US8812387B1 (en) | 2013-03-14 | 2014-08-19 | Csidentity Corporation | System and method for identifying related credit inquiries |
US9633322B1 (en) | 2013-03-15 | 2017-04-25 | Consumerinfo.Com, Inc. | Adjustment of knowledge-based authentication |
US10262362B1 (en) | 2014-02-14 | 2019-04-16 | Experian Information Solutions, Inc. | Automatic generation of code for attributes |
CN114807307A (en) | 2014-10-29 | 2022-07-29 | 10X 基因组学有限公司 | Methods and compositions for sequencing target nucleic acids |
US10339527B1 (en) | 2014-10-31 | 2019-07-02 | Experian Information Solutions, Inc. | System and architecture for electronic fraud detection |
US10445152B1 (en) | 2014-12-19 | 2019-10-15 | Experian Information Solutions, Inc. | Systems and methods for dynamic report generation based on automatic modeling of complex data structures |
US11151468B1 (en) | 2015-07-02 | 2021-10-19 | Experian Information Solutions, Inc. | Behavior analysis using distributed representations of event data |
US10699028B1 (en) | 2017-09-28 | 2020-06-30 | Csidentity Corporation | Identity security architecture systems and methods |
US10896472B1 (en) | 2017-11-14 | 2021-01-19 | Csidentity Corporation | Security and identity verification system and architecture |
Citations (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US5819226A (en) * | 1992-09-08 | 1998-10-06 | Hnc Software Inc. | Fraud detection using predictive modeling |
US6070141A (en) * | 1995-05-08 | 2000-05-30 | Image Data, Llc | System and method of assessing the quality of an identification transaction using an identificaion quality score |
-
2001
- 2001-09-26 WO PCT/US2001/030193 patent/WO2002027610A1/en active Application Filing
- 2001-09-26 AU AU2001294775A patent/AU2001294775A1/en not_active Abandoned
- 2001-09-26 GB GB0308726A patent/GB2384087A/en not_active Withdrawn
Patent Citations (3)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US5819226A (en) * | 1992-09-08 | 1998-10-06 | Hnc Software Inc. | Fraud detection using predictive modeling |
US6330546B1 (en) * | 1992-09-08 | 2001-12-11 | Hnc Software, Inc. | Risk determination and management using predictive modeling and transaction profiles for individual transacting entities |
US6070141A (en) * | 1995-05-08 | 2000-05-30 | Image Data, Llc | System and method of assessing the quality of an identification transaction using an identificaion quality score |
Non-Patent Citations (3)
Title |
---|
ANONYMOUS. Vendors cast their neural nets to catch fraud in online sales. Debit Card News. 31 May 1999. Vol. 4. No. 23. page 1. * |
DEMBY, ELAINE ROBERTSON. Fighting fraud in cyberspace. Collections & Credit Risk. April 2000. Vol. 5 No. 4 pages 67-72. * |
MURPHY, PATRICIA A. Fighting Internet card fraud. Credit Card Management. July 2000. Vol. 13. No. 4. pages 18-26 * |
Cited By (23)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US10204141B1 (en) | 2006-11-28 | 2019-02-12 | Lmb Mortgage Services, Inc. | System and method of removing duplicate leads |
US11106677B2 (en) | 2006-11-28 | 2021-08-31 | Lmb Mortgage Services, Inc. | System and method of removing duplicate user records |
US9110916B1 (en) | 2006-11-28 | 2015-08-18 | Lower My Bills, Inc. | System and method of removing duplicate leads |
US10977675B2 (en) | 2006-12-04 | 2021-04-13 | Lmb Mortgage Services, Inc. | System and method of enhancing leads |
US8214262B1 (en) | 2006-12-04 | 2012-07-03 | Lower My Bills, Inc. | System and method of enhancing leads |
US10255610B1 (en) | 2006-12-04 | 2019-04-09 | Lmb Mortgage Services, Inc. | System and method of enhancing leads |
US7975299B1 (en) | 2007-04-05 | 2011-07-05 | Consumerinfo.Com, Inc. | Child identity monitor |
US7841004B1 (en) | 2007-04-05 | 2010-11-23 | Consumerinfo.Com, Inc. | Child identity monitor |
US8364588B2 (en) | 2007-05-25 | 2013-01-29 | Experian Information Solutions, Inc. | System and method for automated detection of never-pay data sets |
US9251541B2 (en) | 2007-05-25 | 2016-02-02 | Experian Information Solutions, Inc. | System and method for automated detection of never-pay data sets |
US10373198B1 (en) | 2008-06-13 | 2019-08-06 | Lmb Mortgage Services, Inc. | System and method of generating existing customer leads |
US11704693B2 (en) | 2008-06-13 | 2023-07-18 | Lmb Mortgage Services, Inc. | System and method of generating existing customer leads |
US10565617B2 (en) | 2008-06-13 | 2020-02-18 | Lmb Mortgage Services, Inc. | System and method of generating existing customer leads |
US8001042B1 (en) | 2008-07-23 | 2011-08-16 | Experian Information Solutions, Inc. | Systems and methods for detecting bust out fraud using credit data |
US7991689B1 (en) | 2008-07-23 | 2011-08-02 | Experian Information Solutions, Inc. | Systems and methods for detecting bust out fraud using credit data |
US10937090B1 (en) | 2009-01-06 | 2021-03-02 | Consumerinfo.Com, Inc. | Report existence monitoring |
US11978114B1 (en) | 2009-01-06 | 2024-05-07 | Consumerinfo.Com, Inc. | Report existence monitoring |
US9652802B1 (en) | 2010-03-24 | 2017-05-16 | Consumerinfo.Com, Inc. | Indirect monitoring and reporting of a user's credit data |
US10909617B2 (en) | 2010-03-24 | 2021-02-02 | Consumerinfo.Com, Inc. | Indirect monitoring and reporting of a user's credit data |
US11430009B2 (en) | 2010-04-30 | 2022-08-30 | Lmb Mortgage Services, Inc. | System and method of optimizing matching of leads |
US10453093B1 (en) | 2010-04-30 | 2019-10-22 | Lmb Mortgage Services, Inc. | System and method of optimizing matching of leads |
US11030562B1 (en) | 2011-10-31 | 2021-06-08 | Consumerinfo.Com, Inc. | Pre-data breach monitoring |
US11568348B1 (en) | 2011-10-31 | 2023-01-31 | Consumerinfo.Com, Inc. | Pre-data breach monitoring |
Also Published As
Publication number | Publication date |
---|---|
GB0308726D0 (en) | 2003-05-21 |
AU2001294775A1 (en) | 2002-04-08 |
WO2002027610A1 (en) | 2002-04-04 |
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Legal Events
Date | Code | Title | Description |
---|---|---|---|
WAP | Application withdrawn, taken to be withdrawn or refused ** after publication under section 16(1) |