[54] FRAUD DETECTION USING PREDICTIVE MODELING
[75] Inventors: Krishna M. Gopinathan; Louis S.
Biafore; William M. Ferguson;
Michael A. Lazarus, all ol San Diego;
Anu K. Pathria, Oakland; Allen Jost,
San Diego, all of Calif.
[73] Assignee: HNC Software Inc., San Diego, Calif.
[21] Appl. No.: 941,971
[22] Filed: Sep. 8, 1992
[51] Int. CI.6 G06F 157/00
[52] U.S. CI 705 1
[58] Field of Search 364/401, 406,
364/408; 395/21, 23; 235/23, 380; 705/35,
1
[56] References Cited
U.S. PATENT DOCUMENTS
5,025,372 6/1991 Burton et al 364/406
5,416,067 5/1995 Sloan et al 235/381
FOREIGN PATENT DOCUMENTS
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0 468 229 A2 7/1991 European Pat. Off G06F 15/80
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A 4-113220 4/1992 Japan G01D 3/00
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WO 89/06398 7/1989 WIPO G06F 15/30
OTHER PUBLICATIONS
Electric Academy Electric Power Technology Institute Data
PE-89-33, "Analysis of Learning Process of Neural Net-
work on Security Assessment", pp. 161-170.
Gullo, Karen, "Neural Nets Versus Card Fraud Chase's
Software Learns to Detect Potential Crime" Feb. 2, 1990
American Banker Magazine .
International Search Report, International Application No
PCT/US93/08400, mailed Jan. 12, 1994.
Rumelhart, K.E., et al., "Learning Representations by Back
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Network", Neural Networks for Perception pp. 65-93
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Primary Examiner—Gail O. Hayes
Attorney, Agent, or Firm—Fenwick & West LLP
