公开(公告)号：US20060287947A1

公开(公告)日：2006-12-21

申请号：US11238584

申请日：2005-09-29

Applicant: Alvin Toms

Inventor： Alvin Toms

IPC: G06Q40/00

CPC classification number: G06Q40/08 ,  G06Q40/025

Abstract: Methods, means and apparatus for performing a payment risk assessment include training a predictive model with past unsecured credit application data with good and bad outcomes and inputting a new unsecured credit application into the predictive model to produce an assessment of the risk that the unsecured credit applicant will not pay. In addition, methods and means of providing a service to perform a payment risk assessment for credit applications are described including training a predictive model with past unsecured credit application data with good and bad outcomes, offering to perform a payment risk assessment for credit applications in return for a fee, receiving only unsecured credit applications and inputting a new unsecured credit application into the predictive model to produce an assessment of the risk that the unsecured credit applicant will not pay.

Abstract translation: 用于执行支付风险评估的方法，手段和装置包括用具有良好和不良结果的过去无抵押信用应用数据来训练预测模型，并将新的无抵押信用应用输入到预测模型中以产生对无担保信用申请人 不会付款 此外，描述了提供服务以执行信用申请的支付风险评估的方法和手段，包括使用具有良好和不良结果的过去无担保信用应用数据来训练预测模型，从而为信用申请作出回报进行支付风险评估 收取费用后，只收到无担保的信用申请，并将新的无担保信用申请输入预测模型，以对无担保信用申请人不支付的风险进行评估。

公开(公告)号：US20050185779A1

公开(公告)日：2005-08-25

申请号：US11046200

申请日：2005-01-28

Applicant: Alvin Toms

Inventor： Alvin Toms

IPC: G10L17/00 ,  G10L17/22 ,  H04M1/67 ,  H04M3/22 ,  H04M3/36 ,  H04M3/42 ,  H04M1/64 ,  H04M15/00

CPC classification number: G10L17/22 ,  G10L17/00 ,  H04M1/67 ,  H04M3/2218 ,  H04M3/2281 ,  H04M3/36 ,  H04M3/42059 ,  H04M2201/18 ,  H04M2201/40 ,  H04M2201/41 ,  H04M2203/6027 ,  H04M2207/206

Abstract: A system is disclosed for the automatic detection of fraudulent activity on a transaction network, for which each transaction over the network has an associated identifier. In one embodiment, the system includes voice comparison means for comparing a first sampled voice of a user of a first transaction with a subsequently sampled voice of a user of a subsequent transaction having an identical identifier to that of the first transaction. Control means in the form of a voice-based fraud detection engine is provided for determining, from said comparison, a profile of user usage that is representative of a total number of different users of the associated identifier. In a preferred embodiment, the system also includes voice sampling means for sampling a voice of the user of the first transaction to generate a first voice sample.

Abstract translation: 公开了一种用于自动检测交易网络上的欺诈活动的系统，网络上的每个交易都具有相关联的标识符。 在一个实施例中，系统包括语音比较装置，用于将第一事务的用户的第一采样语音与具有与第一事务的相同标识符的后续事务的用户的后续采样语音进行比较。 提供了基于语音的欺诈检测引擎形式的控制装置，用于从所述比较中确定代表相关标识符的不同用户总数的用户使用情况。 在优选实施例中，系统还包括用于对第一交易的用户的语音进行采样以产生第一语音样本的语音采样装置。

公开(公告)号：US20060287952A1

公开(公告)日：2006-12-21

申请号：US11238585

申请日：2005-09-29

Applicant: Alvin Toms

Inventor： Alvin Toms

IPC: G06Q40/00

CPC classification number: G06Q30/06 ,  G06Q20/10

Abstract: Methods and apparatus for selling a loss management system include bundling a high risk usage or high risk payment behaviour detection stage with a high risk application detection stage, wherein there is no additional charge than that for providing the high risk application detection stage. Also described are methods and apparatus for comparison of an incumbent loss management system without a high risk application detection stage against a new loss management system having a high risk application detection stage and a high risk usage or high risk payment behaviour detection stage, which include measuring for a decrease in the number of high risk users that actually gain access to products and services compared to those of the incumbent loss management system among other measures for providing comparisons.

Abstract translation: 销售损失管理系统的方法和装置包括：在高风险应用检测阶段捆绑高风险使用或高风险支付行为检测阶段，其中没有提供高风险应用检测阶段的费用。 还描述了用于比较具有高风险应用检测阶段的现有损失管理系统与具有高风险应用检测阶段和高风险使用或高风险支付行为检测阶段的新的损失管理系统的方法和装置，其包括测量 与现有损失管理系统相比，实际获得产品和服务的高风险用户数量减少，以及其他提供比较的措施。

公开(公告)号：US20060218407A1

公开(公告)日：2006-09-28

申请号：US11239544

申请日：2005-09-29

Applicant: Alvin Toms

Inventor： Alvin Toms

IPC: H04L9/00 ,  H04K1/00

CPC classification number: G07C9/00031 ,  G06Q20/341 ,  G06Q20/40145 ,  G07F7/1008

Abstract: Methods and systems for confirming the identity of a person include receiving identifying information of the person, receiving an electronic device identifier, checking a database for a recorded association between the identifying information and the electronic device identifier and indicating that the identity is or is not confirmed in the event that there is or is not an association between the identifying information and the electronic device identifier.

Abstract translation: 用于确认个人身份的方法和系统包括：接收人的识别信息，接收电子设备标识符，检查数据库以获得识别信息和电子设备标识符之间记录的关联，并指示身份是否被确认 在识别信息和电子设备标识符之间存在或不存在关联的情况下。

公开(公告)号：US20060287946A1

公开(公告)日：2006-12-21

申请号：US11238306

申请日：2005-09-29

Applicant: Alvin Toms

Inventor： Alvin Toms

IPC: G06Q40/00

CPC classification number: G06Q30/06 ,  G06Q40/025

Abstract: Methods and systems of reducing risk of a credit provider making a loss for providing a good or service to a user include providing a first stage for evaluating applications to identify those with a high risk of the credit provider not being fully paid, providing the good or service to a successful applicant and providing a second stage for evaluating the use of or payment for the good or service by the user to identify the risk of not being fully paid. A loss management system having at least two stages is also described. The stages include a high risk application detection stage and a high risk usage or high risk payment behaviour detection stage.

Abstract translation: 降低信用提供者为用户提供良好或服务造成损失的风险的方法和系统包括提供评估应用程序的第一阶段，以识别信贷提供商未被完全支付的高风险的提供商， 为成功申请人提供服务，并提供第二阶段，评估使用者或使用者的服务费用，以确定不完全支付的风险。 还描述了至少具有两个阶段的损失管理系统。 这些阶段包括高风险应用检测阶段和高风险使用或高风险支付行为检测阶段。

公开(公告)号：US20060233332A1

公开(公告)日：2006-10-19

申请号：US11090694

申请日：2005-03-24

Applicant: Alvin Toms

Inventor： Alvin Toms

IPC: H04M15/00

CPC classification number: G06Q40/02 ,  G06Q40/025

Abstract: A method of providing a credit worthiness rating, and systems and computer programs configured to enable the method, are disclosed. An identifier of an electronic device is received, and information is associated with the identifier. A credit worthiness rating is then determined, the rating based on the information associated with the received identifier. The information may include one or more of information relating to payments made for services supplied to the telephone or the user or users of the telephone, information relating to the usage of the telephone, and/or information relating to transactions or payments made using the telephone.

Abstract translation: 公开了一种提供信用评级等级的方法，以及配置成启用该方法的系统和计算机程序。 接收电子设备的标识符，信息与标识符相关联。 然后确定信用等级，该等级基于与接收的标识符相关联的信息。 信息可以包括与提供给电话或用户或电话用户的服务的付款相关的信息的一个或多个信息，与电话使用有关的信息和/或与使用电话进行的交易或付款有关的信息 。