06330546 is referenced by 419 patents and cites 19 patents.

An automated system and method detects fraudulent transactions using a predictive model such as a neural network to evaluate individual customer accounts and identify potentially fraudulent transactions based on learned relationships among known variables. The system may also output reason codes indicating relative contributions of various variables to a particular result. The system periodically monitors its performance and redevelops the model when performance drops below a predetermined level.

Title
Risk determination and management using predictive modeling and transaction profiles for individual transacting entities
Application Number
9/167102
Publication Number
6330546 (B1)
Application Date
October 5, 1998
Publication Date
December 11, 2001
Inventor
Anu K Pathria
Oakland
CA, US
Michael A Lazarus
Del Mar
CA, US
William M Ferguson
San Diego
CA, US
Louis S Biafore
Del Mar
CA, US
Allen Jost
San Diego
CA, US
Krishna M Gopinathan
San Diego
CA, US
Agent
Fenwick & West
US
Assignee
HNC Software
CA, US
IPC
G06F 17/60
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