WO1994006103A1 - Fraud detection using predictive modeling - Google Patents
Fraud detection using predictive modeling Download PDFInfo
- Publication number
- WO1994006103A1 WO1994006103A1 PCT/US1993/008400 US9308400W WO9406103A1 WO 1994006103 A1 WO1994006103 A1 WO 1994006103A1 US 9308400 W US9308400 W US 9308400W WO 9406103 A1 WO9406103 A1 WO 9406103A1
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- fraud
- data
- computer
- profile
- customer
- Prior art date
Links
Classifications
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
-
- 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
- G06Q20/00—Payment architectures, schemes or protocols
-
- 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
- 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
-
- 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
- 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; 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
- 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
- G06Q20/403—Solvency checks
-
- 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
-
- 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
-
- 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
- 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
- G06Q40/03—Credit; Loans; Processing thereof
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
- H04M15/47—Fraud detection or prevention means
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
- H04M2215/01—Details of billing arrangements
- H04M2215/0148—Fraud detection or prevention means
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Strategic Management (AREA)
- General Physics & Mathematics (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Marketing (AREA)
- Technology Law (AREA)
- Computer Security & Cryptography (AREA)
- Computer Networks & Wireless Communication (AREA)
- Signal Processing (AREA)
- Entrepreneurship & Innovation (AREA)
- Game Theory and Decision Science (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Debugging And Monitoring (AREA)
Abstract
Description
Claims
Priority Applications (4)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
AU48500/93A AU4850093A (en) | 1992-09-08 | 1993-09-07 | Fraud detection using predictive modeling |
DE69315356T DE69315356T2 (en) | 1992-09-08 | 1993-09-07 | FRAUD DETECTION WITH PREDICTIVE SHAPING |
EP93921393A EP0669032B1 (en) | 1992-09-08 | 1993-09-07 | Fraud detection using predictive modelling |
JP6507504A JPH08504284A (en) | 1992-09-08 | 1993-09-07 | Fraud detection using predictive model |
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US07/941,971 | 1992-09-08 | ||
US07/941,971 US5819226A (en) | 1992-09-08 | 1992-09-08 | Fraud detection using predictive modeling |
Publications (1)
Publication Number | Publication Date |
---|---|
WO1994006103A1 true WO1994006103A1 (en) | 1994-03-17 |
Family
ID=25477381
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/US1993/008400 WO1994006103A1 (en) | 1992-09-08 | 1993-09-07 | Fraud detection using predictive modeling |
Country Status (8)
Country | Link |
---|---|
US (2) | US5819226A (en) |
EP (1) | EP0669032B1 (en) |
JP (1) | JPH08504284A (en) |
AU (1) | AU4850093A (en) |
CA (1) | CA2144068A1 (en) |
DE (1) | DE69315356T2 (en) |
ES (1) | ES2108880T3 (en) |
WO (1) | WO1994006103A1 (en) |
Cited By (101)
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WO1997003533A1 (en) * | 1995-07-13 | 1997-01-30 | Northern Telecom Limited | Detecting mobile telephone misuse |
WO1998032085A1 (en) * | 1997-01-21 | 1998-07-23 | Northern Telecom Limited | Generic processing capability |
WO1998032086A1 (en) * | 1997-01-21 | 1998-07-23 | Northern Telecom Limited | Monitoring and retraining neural network |
WO1998054667A1 (en) * | 1997-05-27 | 1998-12-03 | Visa International Service Association | Improved financial risk prediction systems and methods therefor |
WO1998054677A1 (en) * | 1997-05-27 | 1998-12-03 | Visa International Service Association | Method and apparatus for pattern generation |
EP0891068A2 (en) * | 1997-07-10 | 1999-01-13 | Siemens Aktiengesellschaft | Detection of a fraudulent call using a neuronal network |
EP0891069A2 (en) * | 1997-07-10 | 1999-01-13 | Siemens Aktiengesellschaft | Identification of a fraudulent call with a neural network |
WO1999001833A1 (en) * | 1997-07-03 | 1999-01-14 | At & T Corp. | Micro-dynamic simulation of electronic cash transactions |
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EP0669032A1 (en) | 1995-08-30 |
US6330546B1 (en) | 2001-12-11 |
DE69315356D1 (en) | 1998-01-02 |
JPH08504284A (en) | 1996-05-07 |
AU4850093A (en) | 1994-03-29 |
ES2108880T3 (en) | 1998-01-01 |
DE69315356T2 (en) | 1998-06-18 |
CA2144068A1 (en) | 1994-03-17 |
EP0669032B1 (en) | 1997-11-19 |
US5819226A (en) | 1998-10-06 |
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