1
Krishna M Gopinathan, Allen Jost, Louis S Biafore, William M Ferguson, Michael A Lazarus, Anu K Pathria: Risk determination and management using predictive modeling and transaction profiles for individual transacting entities. HNC Software, Fenwick & West, December 11, 2001: US06330546 (446 worldwide citation)

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 ind ...


2
William Robert Caid, Joel Lawrence Carleton: Visualization of information using graphical representations of context vector based relationships and attributes. HNC Software, Fenwick & West, August 11, 1998: US05794178 (404 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 ...


3
Michael A Lazarus, A U Mattias Blume, Kenneth B Brown, William R Caid, Ted E Dunning, Larry S Peranich, Gerald R Russell, Kevin L Sitze: Predictive modeling of consumer financial behavior. HNC Software, Fenwick & West, August 6, 2002: US06430539 (404 worldwide citation)

Predictive modeling of consumer financial behavior is provided by application of consumer transaction data to predictive models associated with merchant segments. Merchant segments are derived from consumer transaction data based on co-occurrences of merchants in sequences of transactions. Merchant ...


4
Krishna M Gopinathan, Louis S Biafore, William M Ferguson, Michael A Lazarus, Anu K Pathria, Allen Jost: Fraud detection using predictive modeling. HNC Software, Fenwick & West, October 6, 1998: US05819226 (345 worldwide citation)

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 ind ...


5
William R Caid, Robert Hecht Neilsen: Representation and retrieval of images using context vectors derived from image information elements. HNC Software, Fenwick & West, January 9, 2001: US06173275 (139 worldwide citation)

Image features are generated by performing wavelet transformations at sample points on images stored in electronic form. Multiple wavelet transformations at a point are combined to form an image feature vector. A prototypical set of feature vectors, or atoms, is derived from the set of feature vecto ...


6
Hari Titan: Fast explanations of scored observations. HNC Software, Fenwick & West, April 28, 1998: US05745654 (99 worldwide citation)

A system, method, and product provide rapid explanations for the scores determined by a neural network for new observations input into the neural network. The explanations are associated with a table of percentile bins for each of the input variables used to define the observation. The table contain ...


7
Joseph Sirosh: Unsupervised identification of nonlinear data cluster in multidimensional data. HNC Software, Fenwick & West, May 1, 2001: US06226408 (51 worldwide citation)

A system, method, and software product provide for unsupervised identification of complex, nonlinear subspaces in high dimensional data. The system includes a vector quantization module, a weighted topology representing graph module, and an encoding module. The vector quantization module takes vecto ...


8
Michael A Lazaras, Blume Matthias A U, Kenneth B Brown, Caid William R, Ted E Dunning, Peranich Larry S, Gerard S Russell, Sitze Kevin L: Method and system for predictive modeling of financial behavior of consumer. Hnc Software, December 26, 2000: JP2000-357204 (30 worldwide citation)

PROBLEM TO BE SOLVED: To predict the future expenditures of individual consumers in individual significant retailer groups by analyzing and predicting the financial behavior of the consumers by using a time-dependent history consumption expenditure pattern.SOLUTION: A master file is generated and up ...


9
Robert W Means, Richard Calmbach: Cortronic neural networks with distributed processing. HNC Software, Fenwick & West, April 2, 2002: US06366897 (17 worldwide citation)

A cortronic neural network defines connections between neurons in a number of regions using target lists, which identify the output connections of each neuron and the connection strength. Neurons are preferably sparsely interconnected between regions. Training of connection weights employs a three s ...


10
Lazarus Michael A, Blume Matthias A U, Brown Kenneth B, Caid William R, Dunning Ted E, Peranich Larry S, Russell Gerald R, Sitze Kevin L: Predictive modeling of customer financial behavior. Hnc Software, November 8, 2000: EP1050833-A2 (17 worldwide citation)

Predictive modeling of consumer financial behavior is provided by application of consumer transaction data to predictive models associated with merchant segments. The merchant segments are derived from to consumer transaction data based on co-occurrences of merchants in sequences of transactions. Me ...