SG11202000090QA - Systems and methods for generating behavior profiles for new entities - Google Patents

Systems and methods for generating behavior profiles for new entities

Info

Publication number
SG11202000090QA
SG11202000090QA SG11202000090QA SG11202000090QA SG11202000090QA SG 11202000090Q A SG11202000090Q A SG 11202000090QA SG 11202000090Q A SG11202000090Q A SG 11202000090QA SG 11202000090Q A SG11202000090Q A SG 11202000090QA SG 11202000090Q A SG11202000090Q A SG 11202000090QA
Authority
SG
Singapore
Prior art keywords
international
new entity
behavior
acquirer
data source
Prior art date
Application number
SG11202000090QA
Inventor
Pushkar Joglekar
Ara Jermakyan
Ajit Gaddam
Original Assignee
Visa Int Service Ass
Priority date (The priority date 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 date listed.)
Filing date
Publication date
Application filed by Visa Int Service Ass filed Critical Visa Int Service Ass
Publication of SG11202000090QA publication Critical patent/SG11202000090QA/en

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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
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F18/00—Pattern recognition
    • G06F18/20—Analysing
    • G06F18/22—Matching criteria, e.g. proximity measures
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/50—Monitoring users, programs or devices to maintain the integrity of platforms, e.g. of processors, firmware or operating systems
    • G06F21/55—Detecting local intrusion or implementing counter-measures
    • G06F21/552—Detecting local intrusion or implementing counter-measures involving long-term monitoring or reporting
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/50—Monitoring users, programs or devices to maintain the integrity of platforms, e.g. of processors, firmware or operating systems
    • G06F21/55—Detecting local intrusion or implementing counter-measures
    • G06F21/56—Computer malware detection or handling, e.g. anti-virus arrangements
    • G06F21/566—Dynamic detection, i.e. detection performed at run-time, e.g. emulation, suspicious activities
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06N—COMPUTING ARRANGEMENTS BASED ON SPECIFIC COMPUTATIONAL MODELS
    • G06N20/00—Machine learning
    • G06N20/20—Ensemble learning
    • 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
    • G06Q10/00—Administration; Management
    • G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
    • G06Q10/063—Operations research, analysis or management
    • G06Q10/0635—Risk analysis of enterprise or organisation activities
    • 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
    • G06Q30/00—Commerce
    • G06Q30/018—Certifying business or products
    • G06Q30/0185—Product, service or business identity fraud
    • 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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0201—Market modelling; Market analysis; Collecting market data
    • 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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0215—Including financial accounts
    • 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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0224—Discounts or incentives, e.g. coupons or rebates based on user history
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F11/00—Error detection; Error correction; Monitoring
    • G06F11/30—Monitoring
    • G06F11/34—Recording or statistical evaluation of computer activity, e.g. of down time, of input/output operation ; Recording or statistical evaluation of user activity, e.g. usability assessment
    • G06F11/3438—Recording or statistical evaluation of computer activity, e.g. of down time, of input/output operation ; Recording or statistical evaluation of user activity, e.g. usability assessment monitoring of user actions

Abstract

INTERNATIONAL APPLICATION PUBLISHED UNDER THE PATENT COOPERATION TREATY (PCT) vitivio VIII oviolo ownmom oimIE (19) World Intellectual Property Organization International Bureau (10) International Publication Number WO 2019/013771 Al (43) International Publication Date 17 January 2019 (17.01.2019) WIPO I PCT (51) International Patent Classification: fornia 91324 (US). GADDAM, Ajit; 800 Sea Spray Lane, G06F 11/30 (2006.01) G06F 21/56 (2013.01) Foster City, California 94404 (US). GOOF 17/00 (2006.01) GO6Q 30/00 (2012.01) GOOF 17/30 (2006.01) GO6Q 30/02 (2012.01) (74) Agent: PREPELKA, Nathan, J. et al.; The Webb Law Firm, One Gateway Center, 420 Ft. Duquesne Blvd., Suite (21) International Application Number: PCT/US2017/041612 1200, Pittsburgh, Pennsylvania 15222 (US). (81) Designated States (unless otherwise indicated, for every kind of national protection available): AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DJ, DK, DM, DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IR, IS, JO, JP, KE, KG, KH, KN, KP, KR, KW, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW. (22) International Filing Date: 12 July 2017 (12.07.2017) English English (25) Filing Language: (26) Publication Language: (71) Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION [US/US]; P.O. Box 8999, San Francisco, California 94128 (US). (72) Inventors: JOGLEKAR, Pushkar; 1333 Powell Street, Unit 332, Emeryville, California 94608 (US). JER- MAKYAN, Ara; 19012 Plummer Street, Northridge, Cali- (84) Designated States (unless otherwise indicated, for every kind of regional protection available): ARIPO (BW, GH, (54) Title: SYSTEMS AND METHODS FOR GENERATING BEHAVIOR PROFILES FOR NEW ENTITIES 103 Acquirer System 110 105 107 111 Issuer System 113 118 1000 Acquirer Processor 4-110 Enterprise User Issuer Processor acquirer Acquirer Database ssuer Database Transaction Proc 's in Transaction Processing Serier Database JE Transaction Processing Server Processor 104 I C External Data Source 120_a 106 External Data Source 120a 108 External Data Source 120a a 100/116 10 Merchant Sysytem User / s r Computing Device FIG. 1 (57) : A method and system for generating a behavior profile for a new entity to be added to a behavior-monitored system include receiving feature data of a new entity and feature data of a plurality of pre-existing entities from at least one data source. The plurality of pre-existing entities are associated with a plurality of pre-existing behavior profiles. A doppelganger behavior profile is determined for the new entity based at least partially on the feature data of the new entity and the feature data of the plurality of pre- existing entities, and the doppelganger behavior profile is assigned to the new entity. A target action is implemented with respect to the new entity based at least partially on the doppelganger behavior profile assigned to the new entity. [Continued on next page] WO 2019/013771 Al MIDEDIMOMOIDEIRMEIONIMMODEMEMIE GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, TZ, UG, ZM, ZW), Eurasian (AM, AZ, BY, KG, KZ, RU, TJ, TM), European (AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR), OAPI (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG). Published: — with international search report (Art. 21(3))
SG11202000090QA 2017-07-12 2017-07-12 Systems and methods for generating behavior profiles for new entities SG11202000090QA (en)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/US2017/041612 WO2019013771A1 (en) 2017-07-12 2017-07-12 Systems and methods for generating behavior profiles for new entities

Publications (1)

Publication Number Publication Date
SG11202000090QA true SG11202000090QA (en) 2020-02-27

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US (2) US11810185B2 (en)
EP (1) EP3652654A4 (en)
SG (1) SG11202000090QA (en)
WO (1) WO2019013771A1 (en)

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Also Published As

Publication number Publication date
EP3652654A1 (en) 2020-05-20
EP3652654A4 (en) 2020-12-02
US11810185B2 (en) 2023-11-07
US20240020758A1 (en) 2024-01-18
US20210103937A1 (en) 2021-04-08
WO2019013771A1 (en) 2019-01-17

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