Mass compromise/point of compromise analytic detection and compromised card portfolio management system

US7945515B2 · kind B2 · utility

Assignee

• Fair Isaac Corporation · US

Inventors

• Scott Michael Zoldi · San Diego, US
• Liang Wang · Rochester Hills, US
• Li Sun · Hefei, CN
• Steven G. Wu · San Diego, US

Key dates

• Filing date: Jul 16, 2010
• Grant date: May 17, 2011
• Expiry date: Jul 16, 2030

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q40/06
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A system and method for managing mass compromise of financial transaction devices is disclosed. A method includes maintaining a summary of a transaction history for a financial transaction device, and forming a device history profile based on the transaction history, the device history profile including predictive variables indicative of fraud associated with the financial transaction device. A method further includes generating a fraud score based on the predictive variables, the fraud score representing a likelihood that the financial transaction device is compromised will be used fraudulently.