Score based decisioning

US7251624B1 · kind B1 · utility

Assignee

• Fair Isaac Corporation · US

Inventors

• Walter W. Lee · Lemon Grove, US
• Daniel Shoham · San Diego, US
• Wesley K. Wilhelm · Spokane, US
• Joseph P. Milana · San Diego, US
• Alan Jost · Notre-Dame de Lachal, FR

Key dates

• Filing date: Sep 29, 2000
• Grant date: Jul 31, 2007
• Expiry date: Sep 2, 2023

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q40/08
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

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 causing the user to have an adverse reaction, e.g., terminate the interaction. One embodiment of the invention concerns customers requesting transactions with on-line merchants. More specifically, this embodiment aids merchants by detecting Internet credit card transactions that are likely to be fraudulent, and providing the merchants with mechanisms for managing a suspected transaction as it occurs to obtain additional information that can be useful to reducing the likelihood of fraud.