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Fair Isaac Corporation patents

Recent patent applications related to Fair Isaac Corporation. Fair Isaac Corporation is listed as an Agent/Assignee. Note: Fair Isaac Corporation may have other listings under different names/spellings. We're not affiliated with Fair Isaac Corporation, we're just tracking patents.

ARCHIVE: New 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 | Company Directory "F" | Fair Isaac Corporation-related inventors

System and method for empirical organizational cybersecurity risk assessment using externally-visible data

A system and method for assessing the cybersecurity breach risk associated with a given organization is disclosed. The system and method assume no internal visibility into any organizational network. ... Fair Isaac Corporation

Card fraud detection utilizing real-time identification of merchant test sites

A system and method for detecting a test event involving a financial transaction device at a merchant having a merchant profile is disclosed. The method includes receiving data associated with a transaction involving a financial transaction device; calculating a score using at least the transaction data; comparing the score to a threshold value; and attaching a merchant probe flag to the merchant profile if the score exceeds the threshold value. ... Fair Isaac Corporation

Systems and methods for scalable, adaptive, real-time personalized offers generation

A system and method for scalable, adaptive, real-time generation of personalized offers is disclosed. A profile of a user is generated, the profile being a summarized representation of historical behavior of the user, the profile containing recursively updated variables. ... Fair Isaac Corporation

Fast automatic explanation of scored observations

Systems and methods for generating concise explanations of scored observations that strike good, and computationally efficient, trade-offs between rank-ordering performance and explainability of scored observations are disclosed. The systems and methods described herein for explaining scored observations are based on a framework of partial dependence functions (pdfs), multi-layered neural networks (mnns), and latent explanations neural network scoring (lenns).. ... Fair Isaac Corporation

High resolution transaction-level fraud detection for payment cards in a potential state of fraud

A system and method are disclosed, to distinguish fraudulent transactions from a legitimate transaction, predicated on the notion that the card is considered likely to be in state of fraud. The disclosed system and method can be activated as soon as an account has suspicious activity that causes a high score for potential fraud, but before a bank either can or needs to confirm fraud. ... Fair Isaac Corporation

Customer transaction behavioral archetype analytics for cnp merchant transaction fraud detection

This document describes detecting fraudulent and anomalous behavior of payment cards. A process includes extracting characteristics from a transaction dataset to generate words and documents associated with payment cards, executing a topic model to obtain the respective probabilities of appearance of a card in each latent archetype, and dividing the card dataset into a plurality of subsets based upon the archetype probability distributions and clustering techniques. ... Fair Isaac Corporation

Mining and visualizing associations of concepts on a large-scale unstructured data

A problem of finding unknown associations between ‘concepts’ in a given text corpus is addressed. A new framework for computing and visualizing the association between concepts using the generic association measures and the public knowledge available in data sources such as wikipedia. ... Fair Isaac Corporation

Data-driven product grouping

Data for a plurality of entities that can be offered a plurality of products can be obtained. The data can include categorical data and numeric data. ... Fair Isaac Corporation

Automatic modeling farmer

Data can be accessed from a plurality of disparate data sources from at least one database. A plurality of test models can be automatically built by a model building engine. ... Fair Isaac Corporation

Cloud process for rapid data investigation and data integrity analysis

A system and method for rapid data investigation and data integrity analysis is disclosed. A data set is received by a server computer from one or more client computers connected with the server computer via a communications network, and the data set is stored in a distributed storage memory. ... Fair Isaac Corporation

Multiple funding account payment instrument analytics

A system and method for multiple funding account payment instrument analytics is disclosed. A payment instrument profile is generated for a payment instrument that characterizes past activity on the payment instrument and past activity across one or more funding accounts associated with the payment instrument. ... Fair Isaac Corporation

Self-contained decision logic

In one aspect there is provided a method. The method may include generating a graphical representation of a decision logic underlying a solution, the graphical representation having a plurality of nodes. ... Fair Isaac Corporation

Deployment of self-contained decision logic

In one aspect there is provided a method. The method may include collecting one or more functions that implement the decision logic of a solution. ... Fair Isaac Corporation

Cloud-based decision management platform

A cloud-based decision management platform along with corresponding method, system, and a computer program product are disclosed. At least one component of at least one computing system is selected from a plurality of components of the computing system. ... Fair Isaac Corporation

09/21/17 / #20170270534

Advanced learning system for detection and prevention of money laundering

An automated system for detecting risky entity behavior using an efficient frequent behavior-sorted list is disclosed. From these lists, fingerprints and distance measures can be constructed to enable comparison to known risky entities. ... Fair Isaac Corporation

09/21/17 / #20170270428

Behavioral misalignment detection within entity hard segmentation utilizing archetype-clustering

An automated way of learning archetypes which capture many aspects of entity behavior, and assigning entities to a mixture of archetypes, such that each entity is represented as a distribution across multiple archetypes. Given those representations in archetypes, anomalous behavior can be detected by finding misalignment with a plurality of entities archetype clustering within a hard segmentation. ... Fair Isaac Corporation

09/21/17 / #20170270032

Systems and methods to improve decision management project testing

A coverage monitor subsystem receives an electronic message from a project data object over a communication network. The project data object includes decision code modules that have rules with a corresponding test status variable. ... Fair Isaac Corporation

08/24/17 / #20170243123

System for round trip engineering of decision metaphors

A testing framework associated with a decision metaphor model tool reads table profile files to generate requests for a test of a decision metaphor. The testing framework sends the requests for the test to a decision engine and receives responses for the requests for comparison against expected values and possible errors. ... Fair Isaac Corporation

08/03/17 / #20170220399

System and method for linearizing messages from data sources for optimized high-performance processing in a stream processing system

A data object from a data source is received by a distributed process in a data stream. The distributed process has a sequence of categories, each category containing one or more tasks that operate on the data object. ... Fair Isaac Corporation

07/20/17 / #20170206466

Real time autonomous archetype outlier analytics

The current subject matter describes a method and system of detecting frauds or anomalous behavior. The procedures include extracting characteristics from a dataset to generate words and documents, executing a topic model to obtain the respective probabilities of appearance of a document in each latent archetype, dividing the dataset into a plurality of subsets based upon the archetypes. ... Fair Isaac Corporation

06/22/17 / #20170177996

Reduction of computation complexity of neural network sensitivity analysis

As part of neural network sensitivity analyses, base outputs of hidden layer nodes of a neural network model for non-perturbed variables can be reused when perturbing the variables. Such an arrangement greatly reduces complexity of the calculations required to generate outputs of the model. ... Fair Isaac Corporation

05/18/17 / #20170140384

Event sequence probability enhancement of streaming fraud analytics

A system and method is disclosed as using archetype-based n-grams based on an event sequence of the real-time transactions, the n-grams providing a probability based on a specific sequence of behavioral events and their likelihood, and in which high probability n-grams represent typical behaviors of customers in a same peer group, and low probability n-grams represent rare event sequences and increased risk.. . ... Fair Isaac Corporation

05/18/17 / #20170140005

Method and apparatus for reconciliation of multiple sets of data

A computer-implemented method for reconciling records from a plurality of data sets includes receiving a first data set from a left data source, retrieving data from the first data set, and placing the retrieved data from the first data set into a first abstract record from the left data source. The method also includes receiving a second data set from a right data source, retrieving data from the second data set, and placing the retrieved data from the second data set into a second abstract record from the right data source. ... Fair Isaac Corporation

05/18/17 / #20170139760

Detecting anomalous states of machines

The state of a system is determined in which data sets are generated that include a plurality of data instances representing states of one or more components of a computer system. The data instances generated by one or more data set sources that are configured to output a data instance in response to a trigger associated with the one or more components. ... Fair Isaac Corporation

04/13/17 / #20170103340

Method for real-time enhancement of a predictive algorithm by a novel measurement of concept drift using algorithmically-generated features

A predictive analytics system and method in the setting of multi-class classification are disclosed, for identifying systematic changes in an evaluation dataset processed by a fraud-detection model by examining the time series histories of an ensemble of entities such as accounts. The ensemble of entities is examined and processed both individually and in aggregate, via a set of features determined previously using a distinct training dataset. ... Fair Isaac Corporation

03/23/17 / #20170083920

Hybrid method of decision tree and clustering technology

A computer-implemented method of fraud detection includes clustering samples on the tree nodes in the decision tree model on the training dataset, calculating the cluster centroids and determining the high fidelity radius for a preset threshold probability for each cluster and determining the left-over class probability for each node. The new transactional data is classified in three steps: first to determine based on the decision tree what leaf node the transaction is associated, second to determine the membership to a cluster of the leaf node using the shortest distance to the cluster centroid and then third to compare the distance with the high fidelity radius and then to determine the eventual class probability for a new data. ... Fair Isaac Corporation

01/12/17 / #20170011382

Mobile attribute time-series profiling analytics

The subject matter disclosed herein provides methods, apparatus, systems, techniques, and articles for determining the likelihood that a transaction is abnormal. Time-series data associated with active and passive operations of a mobile device and out of band data associated with the user of the mobile device can be collected. ... Fair Isaac Corporation

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