1
Matthias Blume, Michael A Lazarus, Larry S Peranich, Frederique Vernhes, William R Caid, Ted E Dunning, Gerald R Russell, Kevin L Sitze: Predictive modeling of consumer financial behavior using supervised segmentation and nearest-neighbor matching. Fair Isaac Corporation, Michael A Glenn, Glenn Patent Group, Robert Sachs, January 4, 2005: US06839682 (332 worldwide citation)

Predictive modeling of consumer financial behavior, including determination of likely responses to particular marketing efforts, is provided by application of consumer transaction data to predictive models associated with merchant segments. The merchant segments are derived from the consumer transac ...


2
Mona Mayr, Darcy Walker, Yinghua Lin, Guowei Wu, Stephen V Coggeshall: Method and system for evaluating customers of a financial institution using customer relationship value tags. Fair Isaac Corporation, Michael A Glenn, Glenn Patent Group, May 20, 2008: US07376603 (187 worldwide citation)

A computerized method and system for evaluating customers of a financial institution using customer relationship value tags and associated customer treatment actions includes automatically analyzing information about a customer from a database of the financial institution by a customer assessment en ...


3
William Robert Caid, Joel Lawrence Carleton, Pu Oing, David John Sudbeck: Context vector generation and retrieval. Fair Isaac Corporation, Michael A Glenn, Robert Sachs, Glenn Patent Group, July 31, 2007: US07251637 (178 worldwide citation)

A system and method for generating context vectors for use in storage and retrieval of documents and other information items. Context vectors represent conceptual relationships among information items by quantitative means. A neural network operates on a training corpus of records to develop relatio ...


4
Matthias Blume, Richard Calmbach, Dayne Freitag, Richard Rohwer, Scott Zoldi: Method and apparatus for automatic entity disambiguation. Fair Isaac Corporation, Mintz Levin Cohn Ferris Glovsky and Popeo P C, March 2, 2010: US07672833 (130 worldwide citation)

Entity disambiguation resolves which names, words, or phrases in text correspond to distinct persons, organizations, locations, or other entities in the context of an entire corpus. The invention is based largely on language-independent algorithms. Thus, it is applicable not only to unstructured tex ...


5
Michael A Lazarus, Larry S Peranich, Frederique Vernhes, A U Mattias Blume, Kenneth B Brown, William R Caid, Ted E Dunning, Gerald R Russell, Kevin L Sitze: Predictive modeling of consumer financial behavior using supervised segmentation and nearest-neighbor matching. Fair Isaac Corporation, Michael A Glenn, Glenn Patent Group, January 16, 2007: US07165037 (122 worldwide citation)

Predictive modeling of consumer financial behavior, including determination of likely responses to particular marketing efforts, is provided by application of consumer transaction data to predictive models associated with merchant segments, which are derived from the consumer transaction data based ...


6
Walter W Lee, Joseph P Milana, Wesley K Wilhelm, Min Shao: Identification and management of fraudulent credit/debit card purchases at merchant ecommerce sites. Fair Isaac Corporation, Michael A Glenn, Glenn Patent Group, August 28, 2007: US07263506 (118 worldwide citation)

Transaction processing of online transactions at merchant sites determines the likelihood that such transactions are fraudulent, accounting for unreliable fields of a transaction order, which fields do not reliably identify a purchaser. A scoring server using statistical model uses multiple profiles ...


7
Min Shao, Scott Zoldi, Gordon Cameron, Ron Martin, Radu Drossu, Jenny, Daniel Shoham: Enhancing delinquent debt collection using statistical models of debt historical information and account events. Fair Isaac Corporation, Michael Glenn, Glenn Patent Group, March 13, 2007: US07191150 (109 worldwide citation)

A predictive model, for example, a neural network, evaluates individual debt holder accounts and predicts the amount that will be collected on each account based on learned relationships among known variables. The predictive model is generated using historical data of delinquent debt accounts, the c ...


8
Justin Lawyer, Alex Barclay, Dirk Englund, Robert Holmes, Dimpy Pathria, Tim Roach, Scott Zoldi: Self-learning real-time prioritization of telecommunication fraud control actions. Fair Isaac Corporation, Robert Sachs, Michael A Glenn, Glenn Patent Group, July 22, 2003: US06597775 (100 worldwide citation)

A predictive model system is used to detect telecommunications fraud. Call records (CDRs) provided by telephone companies are evaluated against specified rules. If one or more rules are matched, the system generates an alert. Pending alerts for a customer form a case, describing the caller's ca ...


9
Walter W Lee, Daniel Shoham, Wesley K Wilhelm, Joseph P Milana, Alan P Jost: Score based decisioning. Fair Isaac Corporation, Michael A Glenn, Robert Sachs, Glenn Patent Group, July 31, 2007: US07251624 (93 worldwide citation)

The invention aids an entity to selectively request additional data about a user to serve the needs of the entity without causing the user to have an adverse reaction. The invention helps an entity to determine the condition under which to request additional data so as to reduce the likelihood of ca ...


10
Russell Anderson, Larry S Peranich, Ricardo Dungca, Joseph P Milana, Xuhui Shao, Paul C Dulany, Khosrow M Hassibi, James C Baker: Detecting and measuring risk with predictive models using content mining. Fair Isaac Corporation, Michael A Glenn, Glenn Patent Group, May 20, 2008: US07376618 (88 worldwide citation)

Computer implemented methods and systems of processing transactions to determine the risk of transaction convert high categorical information, such as text data, to low categorical information, such as category or cluster IDs. The text data may be merchant names or other textual content of the trans ...