公开(公告)号：US20110282731A1

公开(公告)日：2011-11-17

申请号：US13030954

申请日：2011-02-18

申请人： Roland Guglielmi ,  Henry Huang ,  Joseph Milana ,  Drew Carter

发明人： Roland Guglielmi ,  Henry Huang ,  Joseph Milana ,  Drew Carter

IPC分类号： G06Q30/00

CPC分类号： G06Q30/02 ,  G06Q30/0244

摘要： Systems and methods for optimizing marketing investments are provided. The system includes a computer system in electronic communication with a business over a first communications link, means for electronically receiving marketing expenditure information from the business using the first communications link. The system executes an optimization algorithm which processes the marketing expenditure information and estimates at least one optimized future marketing expenditure for the business based upon the marketing expenditure information. the system electronically transmits the at least one optimized future marketing expenditure to a user using a second communications link, for subsequent display of the at least one optimized future marketing expenditure to the user.

摘要翻译： 提供了优化营销投资的系统和方法。 该系统包括通过第一通信链路与业务电子通信的计算机系统，用于使用第一通信链路从业务电子地接收营销支出信息的装置。 系统执行优化算法，处理营销支出信息，并根据市场营销支出信息估算企业至少一个优化的未来营销支出。 该系统使用第二通信链路将至少一个优化的未来营销支出电子发送给用户，以便随后向用户显示至少一个优化的未来营销支出。

公开(公告)号：US20110213661A1

公开(公告)日：2011-09-01

申请号：US12715302

申请日：2010-03-01

申请人： Joseph Milana ,  Bo Zhang

发明人： Joseph Milana ,  Bo Zhang

IPC分类号： G06Q30/00 ,  G06Q10/00 ,  G06N5/02

CPC分类号： G06Q30/06 ,  G06N3/088 ,  G06Q30/02 ,  G06Q30/0254 ,  G06Q30/0255

摘要： A computer-implemented method for providing product recommendations to customers is disclosed. For each customer for whom a product recommendation is desired, hereinafter “the target customer”, a group of other customers, hereinafter “a group of nearest neighbors” is identified using an algorithm that examines each customer's previous spending across a plurality of different product categories and optionally, one or more demographic attributes, and then selects those customers whose attributes most nearly matches that of the target customer. The products purchased by these nearest neighbors that have not been purchased by the target customer are then ranked using a ranking algorithm that weights such purchased products based on the frequency of their purchase and the number of nearest neighbors purchasing such products. A product recommendation for the target customer is formed by selecting a predetermined number of the highest ranked products purchased by the nearest neighbors.

摘要翻译： 公开了一种用于向客户提供产品推荐的计算机实现方法。 对于需要产品推荐的每个客户，以下称为“目标客户”，使用在多个不同产品类别中检查每个客户先前支出的算法来识别下列“一组最近邻居”的其他客户群 以及可选的一个或多个人口统计属性，然后选择属性与目标客户的属性最接近的那些客户。 然后使用排序算法对由这些最近的邻居购买的未被目标客户购买的产品进行排名，该排序算法基于购买的频率和购买这样的产品的最近邻居的数量对这样的购买产品进行权重。 通过选择由最近的邻居购买的预定数量的最高排名的产品来形成针对目标客户的产品推荐。

公开(公告)号：US20070203732A1

公开(公告)日：2007-08-30

申请号：US11677517

申请日：2007-02-21

申请人： David GRIEGEL ,  Linyu Yang ,  Danfeng Li ,  Bo Zhang ,  Joseph Milana ,  Zuohua Zhang ,  Gregory Gancarz

发明人： David GRIEGEL ,  Linyu Yang ,  Danfeng Li ,  Bo Zhang ,  Joseph Milana ,  Zuohua Zhang ,  Gregory Gancarz

IPC分类号： G06Q10/00 ,  G06Q30/00

CPC分类号： G06Q30/02 ,  G06Q20/401

摘要： A merchant profile builder (MPB) is provided. The complete merchant profiling process is split into three pieces: Data Preprocessing, Weekly Summary Calculation, and Merchant Profile Calculation. In the Data Preprocessing stage, authorization data and daily fraud data are processed on a weekly basis to yield: an authorization extract file and fraud authorization data, each of which are sorted by a merchant key. In the Weekly Summary Calculation stage, the files output by the Data Preprocessing stage are used as input to compile basic statistics for each merchant based only on data for one week. There are separate weekly summaries for authorizations and fraud authorizations. In the Merchant Profile Calculation stage, the weekly summaries from the 16 most recent weeks are combined together and averages are calculated and output a set of merchant profiles and a set of default profiles.

摘要翻译： 提供商业配置文件构建器（MPB）。 完整的商业分析流程分为三个部分：数据预处理，每周摘要计算和商户简档计算。 在数据预处理阶段，每周处理授权数据和日常欺诈数据，以产生：授权提取文件和欺诈授权数据，每个数据按商家密钥排序。 在“每周摘要计算”阶段，数据预处理阶段输出的文件将用作仅输入一周数据的每个商家的基本统计信息。 每个单独的授权和欺诈授权的每周摘要。 在商家资料计算阶段，将16个最近几周的每周摘要合并在一起，计算平均值，并输出一组商家简档和一组默认配置文件。

公开(公告)号：US20080010166A1

公开(公告)日：2008-01-10

申请号：US11825527

申请日：2007-07-06

申请人： Linyu Yang ,  Joseph Milana

发明人： Linyu Yang ,  Joseph Milana

IPC分类号： G06Q30/00

CPC分类号： G06Q30/06 ,  G06Q30/0246 ,  G06Q30/0248 ,  G06Q30/0645

摘要： A computer-implemented method and system for detecting fraud in electronic commerce traffic are disclosed. A global conversion rate is defined that represents activity related to a purchase made or proxy activity executed during electronic commerce traffic to a commercial website that is indicative of non-fraud activity. Subsets of the electronic commerce traffic to a commercial website are monitored for clusters of activity having a conversion rate that is lower than a global conversion rate by a threshold margin. A number of user-initiated input signals from an input device to navigate from each of one or more affiliate websites to the commercial website, and a number of conversions generated from each of the one or more affiliate websites, are registered by a computer for analysis.

摘要翻译： 公开了一种用于检测电子商务流量中的欺诈的计算机实现的方法和系统。 定义全球转换率，其表示与指示非欺诈活动的商业网站的电子商务流量期间执行的购买或代理活动相关的活动。 对具有低于全局转换率的转换速率的活动集群的阈值余量来监视到商业网站的电子商务流量的子集。 来自输入设备的多个用户发起的输入信号从一个或多个附属网站中的每一个导航到商业网站，以及从一个或多个关联网站中的每一个产生的多个转换由计算机登记用于分析 。

公开(公告)号：US20070291936A1

公开(公告)日：2007-12-20

申请号：US11705663

申请日：2007-02-12

申请人： Joseph Milana ,  Stuart Crawford ,  Ronald Martin

发明人： Joseph Milana ,  Stuart Crawford ,  Ronald Martin

IPC分类号： H04L9/30 ,  H04L9/00

CPC分类号： H04L63/0442 ,  G06Q20/38 ,  G06Q20/382 ,  G07F7/084 ,  H04L63/166

摘要： A software system and method for executing secure commercial transactions online is disclosed. The system intercepts and verifies, against consumer provided inputs, Secure Socket Layer (SSL) communications from normal Web browser usage. The system can include a software module loaded onto the consumer's client computer, and which uses independently-derived look-ups to associate a web domain name with its SSL public key to verify that a given web session is appropriately encrypted.

摘要翻译： 公开了一种用于在线执行安全商业交易的软件系统和方法。 系统根据消费者提供的输入，从正常的Web浏览器使用中截取并验证安全套接层（SSL）通信。 该系统可以包括加载到消费者的客户端计算机上的软件模块，并且使用独立导出的查询来将web域名与其SSL公钥相关联，以验证给定的web会话是否被适当地加密。

公开(公告)号：US20070288641A1

公开(公告)日：2007-12-13

申请号：US11738362

申请日：2007-04-20

申请人： Walter LEE ,  Daniel Shoham ,  Wesley Wilhelm ,  Joseph Milana ,  Allen Jost

发明人： Walter LEE ,  Daniel Shoham ,  Wesley Wilhelm ,  Joseph Milana ,  Allen Jost

IPC分类号： G06F15/16

CPC分类号： G06Q30/06 ,  G06Q30/0601 ,  G06Q30/0609 ,  G06Q40/00 ,  G06Q40/025 ,  G06Q40/08

摘要： 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.

摘要翻译： 本发明有助于在因特网或另一网络上操作的实体选择性地请求关于已经做出与该实体进行交互的请求的用户的附加数据。 本发明有助于实体确定何时以及如何请求附加数据，以便减少使用户产生不利反应（例如终止交互）的可能性。 本发明的一个实施例涉及请求与在线商户交易的客户。 更具体地，该实施例通过检测可能是欺诈性的互联网信用卡交易来帮助商家，并且为商家提供用于管理可疑交易的机制，以获得可用于减少欺诈可能性的附加信息。

公开(公告)号：US08567669B2

公开(公告)日：2013-10-29

申请号：US11677517

申请日：2007-02-21

申请人： David Griegel ,  Linyu Yang ,  Danfeng Li ,  Bo Zhang ,  Joseph Milana ,  Zuohua Zhang ,  Gregory Gancarz

发明人： David Griegel ,  Linyu Yang ,  Danfeng Li ,  Bo Zhang ,  Joseph Milana ,  Zuohua Zhang ,  Gregory Gancarz

IPC分类号： G06K5/00

CPC分类号： G06Q30/02 ,  G06Q20/401

摘要： A merchant profile builder (MPB) is provided. The complete merchant profiling process is split into three pieces: Data Preprocessing, Weekly Summary Calculation, and Merchant Profile Calculation. In the Data Preprocessing stage, authorization data and daily fraud data are processed on a weekly basis to yield: an authorization extract file and fraud authorization data, each of which are sorted by a merchant key. In the Weekly Summary Calculation stage, the files output by the Data Preprocessing stage are used as input to compile basic statistics for each merchant based only on data for one week. There are separate weekly summaries for authorizations and fraud authorizations. In the Merchant Profile Calculation stage, the weekly summaries from the 16 most recent weeks are combined together and averages are calculated and output a set of merchant profiles and a set of default profiles.

摘要翻译： 提供商业配置文件构建器（MPB）。 完整的商业分析流程分为三个部分：数据预处理，每周摘要计算和商户简档计算。 在数据预处理阶段，每周处理授权数据和日常欺诈数据，以产生：授权提取文件和欺诈授权数据，每个数据按商家密钥排序。 在“每周摘要计算”阶段，数据预处理阶段输出的文件将用作仅输入一周数据的每个商家的基本统计信息。 每个单独的授权和欺诈授权的每周摘要。 在商家资料计算阶段，将16个最近几周的每周摘要合并在一起，计算平均值，并输出一组商家简档和一组默认配置文件。

公开(公告)号：US20110213651A1

公开(公告)日：2011-09-01

申请号：US12715248

申请日：2010-03-01

申请人： Joseph Milana ,  Bo Zhang

发明人： Joseph Milana ,  Bo Zhang

IPC分类号： G06Q30/00 ,  G06N5/02 ,  G06Q10/00

CPC分类号： G06Q30/02 ,  G06Q30/0224

摘要： A computer-implemented method for providing customer recommendations for a product is disclosed. For each target product for which a customer recommendation is desired, one or more customers likely to purchase the target product are identified using a mathematical model that considers customers' prior purchases of products that are similar or related to the target product.

摘要翻译： 公开了一种用于为产品提供客户建议的计算机实现的方法。 对于需要客户推荐的每个目标产品，可以使用考虑客户先前购买与目标产品相似或相关的产品的数学模型来识别可能购买目标产品的一个或多个客户。

公开(公告)号：US20080046334A1

公开(公告)日：2008-02-21

申请号：US11828805

申请日：2007-07-26

申请人： Walter Lee ,  Joseph Milana ,  Wesley Wilhelm ,  Min Shao

发明人： Walter Lee ,  Joseph Milana ,  Wesley Wilhelm ,  Min Shao

IPC分类号： G06Q30/00 ,  G06F17/30

CPC分类号： G06Q30/06 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/3821 ,  G06Q20/40 ,  G06Q20/4014 ,  G06Q20/4016 ,  G06Q30/0185 ,  G06Q40/025 ,  G06Q40/06

摘要： Transaction processing of online transactions at merchant sites determines the likelihood that such transactions are fraudulent, accounting for unreliable fields of a transaction order, which fields do not reliably identify a purchaser. A scoring server using statistical model uses multiple profiles associated with key fields, along with weights to indicate the degree to which the profiles identify the purchaser of the transaction.

摘要翻译： 商户网站交易的交易处理决定了这种交易是欺诈性的可能性，占交易订单不可靠的领域，哪些领域不能可靠地识别买方。 使用统计模型的评分服务器使用与关键字段相关联的多个配置文件，以及权重来指示配置文件识别交易购买者的程度。

公开(公告)号：US20070106580A1

公开(公告)日：2007-05-10

申请号：US11389983

申请日：2006-03-27

申请人： Linyu Yang ,  Joseph Milana

发明人： Linyu Yang ,  Joseph Milana

IPC分类号： G06Q40/00

CPC分类号： G06Q20/4016 ,  G06Q20/042 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/105 ,  G06Q20/108 ,  G06Q20/40 ,  G06Q40/00 ,  G06Q40/02 ,  G06Q40/025 ,  G06Q40/04 ,  G06Q40/06

摘要： A method of generating a model for performing account-level fraud detection is disclosed, and includes obtaining a plurality of candidate rules for referrals of financial transactions, calculating a savings density for each of the plurality of rules, selecting a rule from the plurality of rules having the maximum savings density, iteratively rebalancing savings densities for the remaining rules of the plurality of rules and selecting a next rule until a volume constraint is satisfied, and applying the selected rules to one or more financial transactions.

摘要翻译： 公开了一种生成用于执行帐户级欺诈检测的模型的方法，包括获得用于金融交易转介的多个候选规则，计算多个规则中的每个规则的储蓄密度，从多个规则中选择规则 具有最大的储蓄密度，迭代地重新平衡多个规则的剩余规则的储蓄密度，并且选择下一个规则直到满足体积约束，并将所选择的规则应用于一个或多个金融交易。