1
Michael A Lazarus, William R Caid, Richard S Pugh, Bradley D Kindig, Gerald S Russell, Kenneth B Brown, Ted E Dunning, Joel L Carleton: System and method for optimal adaptive matching of users to most relevant entity and information in real-time. Aptex Software, Knobbe Martens Olson & Bear, October 17, 2000: US06134532 (795 worldwide citation)

A system and method for selecting and presenting personally targeted entities such as advertising, coupons, products and information content, based on tracking observed behavior on a user-by-user basis and utilizing an adaptive vector space representation for both information and behavior. The syste ...


2
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 (465 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 ...


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 (424 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 (360 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
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 ...


6
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 ...


7
Matthias Blume, Michael A Lazarus, Larry S Peranich, Frederique Vernhes, 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, Mintz Levin Cohn Ferris Glovsky and Popeo P C, May 12, 2009: US07533038 (69 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 ...


8
Theodore J Crooks, Uwe F Mayer, Michael A Lazarus: Comprehensive identity protection system. Fair Isaac Corporation, Mintz Levin Cohn Ferris Glovsky and Popeo P C, December 7, 2010: US07849029 (9 worldwide citation)

A system and method for protecting identity fraud are disclosed. A system includes a detection subsystem to identify applications and/or accounts at risk of identity fraud, and a disposition subsystem to process data provided by the detection system and to determine whether identity fraud exists in ...


9
Theodore J Crooks, Uwe F Mayer, Michael A Lazarus: Comprehensive identity protection system. Fair Isaac Corporation, Mintz Levin Cohn Ferris Glovsky and Popeo P C, August 2, 2011: US07991716 (5 worldwide citation)

A system and method for protecting identity fraud are disclosed. A system includes a detection subsystem to identify applications and/or accounts at risk of identity fraud, and a disposition subsystem to process data provided by the detection system and to determine whether identity fraud exists in ...


10
Theodore J Crooks, Uwe F Mayer, Michael A Lazarus: Comprehensive identity protection system. Fair Isaac Corporation, Mintz Levin Cohn Ferris Glovsky and Popeo P C, October 23, 2012: US08296250 (4 worldwide citation)

A system and method for protecting identity fraud are disclosed. A system includes a detection subsystem to identify applications and/or accounts at risk of identity fraud, and a disposition subsystem to process data provided by the detection system and to determine whether identity fraud exists in ...