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WO2008141168A1 - Systèmes et procédés pour une détection de fraude via une analyse de liaison interactive - Google Patents

Systèmes et procédés pour une détection de fraude via une analyse de liaison interactive Download PDF

Info

Publication number
WO2008141168A1
WO2008141168A1 PCT/US2008/063229 US2008063229W WO2008141168A1 WO 2008141168 A1 WO2008141168 A1 WO 2008141168A1 US 2008063229 W US2008063229 W US 2008063229W WO 2008141168 A1 WO2008141168 A1 WO 2008141168A1
Authority
WO
WIPO (PCT)
Prior art keywords
database
rules
fraudulent
individuals
generated
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.)
Ceased
Application number
PCT/US2008/063229
Other languages
English (en)
Inventor
Stuart L. Crawford
Chris Erickson
Victor Miagkikh
Michael Steele
Megan Thorsen
Sergei Tolmanov
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Fair Isaac Corp
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
Application filed by Fair Isaac Corp filed Critical Fair Isaac Corp
Publication of WO2008141168A1 publication Critical patent/WO2008141168A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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
    • 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

Definitions

  • FIGURE 14 shows one embodiment 1400 of the use of a fraud rule to block, in real-time, fraudulent activity with respect to an imposter attempting to obtain credit history data from a database of credit information.
  • Process 1401 controls the logon access to a credit database. This access can be, for example, so that the individual can access his/her credit history.
  • a process such as process 1402 queries the accessing user for some combination of attributes uniquely pertaining to that user's data file. Some of thee possible attributes are shown in process 1402, but any number and any combination can be required, and the combination can change depending upon security levels, or depending upon previous query answers.

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Information Transfer Between Computers (AREA)

Abstract

L'invention concerne une détection de fraude qui est facilitée en développant des règles d'adhésion à un groupe de comptes et en les convertissant en des requêtes de base de données via une examen de groupes en rapport/extraits de la base de données client. Les règles d'adhésion à un compte sont basées sur certains modèles de données observés associés à une activité potentiellement frauduleuse. Selon un mode de réalisation, des groupes de comptes sont créés autour des modèles de comportements présentés par des imposteurs. Le système identifie ensuite ces groupes présentant une forte probabilité de fraude et établit des règles d'adhésion à un groupe pour identifier des comptes consécutifs qui correspondent à ces règles. Les règles sont conçues pour définir les paramètres des groupes identifiés. Lorsque les règles sont déployées dans un système de blocage de transaction, lorsqu'une règle appartenant à un agrégat frauduleux identifié est déclenchée, le système de blocage de transaction bloque la transaction pour des nouveaux utilisateurs qui entrent sur le site Web.
PCT/US2008/063229 2007-05-11 2008-05-09 Systèmes et procédés pour une détection de fraude via une analyse de liaison interactive Ceased WO2008141168A1 (fr)

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US91751807P 2007-05-11 2007-05-11
US60/917,518 2007-05-11
US11744108A 2008-05-08 2008-05-08
US12/117,441 2008-05-08

Publications (1)

Publication Number Publication Date
WO2008141168A1 true WO2008141168A1 (fr) 2008-11-20

Family

ID=40002609

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2008/063229 Ceased WO2008141168A1 (fr) 2007-05-11 2008-05-09 Systèmes et procédés pour une détection de fraude via une analyse de liaison interactive

Country Status (1)

Country Link
WO (1) WO2008141168A1 (fr)

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2013062713A1 (fr) * 2011-10-28 2013-05-02 Visa International Service Association Système et procédé permettant un chaînage d'identité
US9311351B2 (en) 2013-03-11 2016-04-12 Sas Institute Inc. Techniques to block records for matching
US11354583B2 (en) 2020-10-15 2022-06-07 Sas Institute Inc. Automatically generating rules for event detection systems
US11954218B2 (en) 2020-02-10 2024-04-09 Visa International Service Association Real-time access rules using aggregation of periodic historical outcomes

Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5790645A (en) * 1996-08-01 1998-08-04 Nynex Science & Technology, Inc. Automatic design of fraud detection systems
US6157864A (en) * 1998-05-08 2000-12-05 Rockwell Technologies, Llc System, method and article of manufacture for displaying an animated, realtime updated control sequence chart
US6163604A (en) * 1998-04-03 2000-12-19 Lucent Technologies Automated fraud management in transaction-based networks
US6597775B2 (en) * 2000-09-29 2003-07-22 Fair Isaac Corporation Self-learning real-time prioritization of telecommunication fraud control actions
US6714918B2 (en) * 2000-03-24 2004-03-30 Access Business Group International Llc System and method for detecting fraudulent transactions
US20060149674A1 (en) * 2004-12-30 2006-07-06 Mike Cook System and method for identity-based fraud detection for transactions using a plurality of historical identity records
US20070039049A1 (en) * 2005-08-11 2007-02-15 Netmanage, Inc. Real-time activity monitoring and reporting

Patent Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5790645A (en) * 1996-08-01 1998-08-04 Nynex Science & Technology, Inc. Automatic design of fraud detection systems
US6163604A (en) * 1998-04-03 2000-12-19 Lucent Technologies Automated fraud management in transaction-based networks
US6157864A (en) * 1998-05-08 2000-12-05 Rockwell Technologies, Llc System, method and article of manufacture for displaying an animated, realtime updated control sequence chart
US6714918B2 (en) * 2000-03-24 2004-03-30 Access Business Group International Llc System and method for detecting fraudulent transactions
US6597775B2 (en) * 2000-09-29 2003-07-22 Fair Isaac Corporation Self-learning real-time prioritization of telecommunication fraud control actions
US20060149674A1 (en) * 2004-12-30 2006-07-06 Mike Cook System and method for identity-based fraud detection for transactions using a plurality of historical identity records
US20070039049A1 (en) * 2005-08-11 2007-02-15 Netmanage, Inc. Real-time activity monitoring and reporting

Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2013062713A1 (fr) * 2011-10-28 2013-05-02 Visa International Service Association Système et procédé permettant un chaînage d'identité
US11676146B2 (en) 2011-10-28 2023-06-13 Visa International Service Association System and method for identity chaining
US9311351B2 (en) 2013-03-11 2016-04-12 Sas Institute Inc. Techniques to block records for matching
US11954218B2 (en) 2020-02-10 2024-04-09 Visa International Service Association Real-time access rules using aggregation of periodic historical outcomes
US11354583B2 (en) 2020-10-15 2022-06-07 Sas Institute Inc. Automatically generating rules for event detection systems

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