Score based decisioning

US8175897B2 · kind B2 · 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
• Allen Jost · San Diego, US

Key dates

• Filing date: Apr 20, 2007
• Grant date: May 8, 2012
• Expiry date: Dec 30, 2030

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 operating on the Internet or on another network to selectively request additional data about a user who has made a request for an interaction with the entity. The invention helps an entity to determine when and how 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.