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WO2007101074A3 - Method and apparatus for a merchant profile builder - Google Patents

Method and apparatus for a merchant profile builder Download PDF

Info

Publication number
WO2007101074A3
WO2007101074A3 PCT/US2007/062606 US2007062606W WO2007101074A3 WO 2007101074 A3 WO2007101074 A3 WO 2007101074A3 US 2007062606 W US2007062606 W US 2007062606W WO 2007101074 A3 WO2007101074 A3 WO 2007101074A3
Authority
WO
WIPO (PCT)
Prior art keywords
merchant
data
weekly
fraud
stage
Prior art date
Application number
PCT/US2007/062606
Other languages
French (fr)
Other versions
WO2007101074A2 (en
Inventor
David Griegel
Linyu Yang
Danfeng Li
Bo Zhang
Joseph Milana
Zuohua Zhang
Gregory Gancarz
Original Assignee
Fair Isaac Corp
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
Priority claimed from US11/677,571 external-priority patent/US7686187B2/en
Application filed by Fair Isaac Corp filed Critical Fair Isaac Corp
Publication of WO2007101074A2 publication Critical patent/WO2007101074A2/en
Publication of WO2007101074A3 publication Critical patent/WO2007101074A3/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

A merchant profile builder (MPB) is provided. The complete merchant profiling process is split into three pieces: Data Preprocessing, Weekly Summary Calculation, and Merchant Profile Calculation. In the Data Preprocessing stage, authorization data and daily fraud data are processed on a weekly basis to yield: an authorization extract file and fraud authorization data, each of which are sorted by a merchant key. In the Weekly Summary Calculation stage, the files output by the Data Preprocessing stage are used as input to compile basic statistics for each merchant based only on data for one week. There are separate weekly summaries for authorizations and fraud authorizations. In the Merchant Profile Calculation stage, the weekly summaries from the 16 most recent weeks are combined together and averages are calculated and output a set of merchant profiles and a set of default profiles.
PCT/US2007/062606 2006-02-24 2007-02-22 Method and apparatus for a merchant profile builder WO2007101074A2 (en)

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US77627006P 2006-02-24 2006-02-24
US60/776,270 2006-02-24
US11/677,571 2007-02-21
US11/677,571 US7686187B2 (en) 2004-08-26 2007-02-21 Apparatus and method for open thread, reusable, no-waste collapsible tube dispensers with control ribs and/or detent

Publications (2)

Publication Number Publication Date
WO2007101074A2 WO2007101074A2 (en) 2007-09-07
WO2007101074A3 true WO2007101074A3 (en) 2008-01-17

Family

ID=38459739

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2007/062606 WO2007101074A2 (en) 2006-02-24 2007-02-22 Method and apparatus for a merchant profile builder

Country Status (1)

Country Link
WO (1) WO2007101074A2 (en)

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5819226A (en) * 1992-09-08 1998-10-06 Hnc Software Inc. Fraud detection using predictive modeling
US20020046092A1 (en) * 2000-02-11 2002-04-18 Maurice Ostroff Method for preventing fraudulent use of credit cards and credit card information, and for preventing unauthorized access to restricted physical and virtual sites
US20020099649A1 (en) * 2000-04-06 2002-07-25 Lee Walter W. Identification and management of fraudulent credit/debit card purchases at merchant ecommerce sites

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5819226A (en) * 1992-09-08 1998-10-06 Hnc Software Inc. Fraud detection using predictive modeling
US20020046092A1 (en) * 2000-02-11 2002-04-18 Maurice Ostroff Method for preventing fraudulent use of credit cards and credit card information, and for preventing unauthorized access to restricted physical and virtual sites
US20020099649A1 (en) * 2000-04-06 2002-07-25 Lee Walter W. Identification and management of fraudulent credit/debit card purchases at merchant ecommerce sites

Also Published As

Publication number Publication date
WO2007101074A2 (en) 2007-09-07

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