Fraud score calculating program, method of calculating fraud score, and fraud score calculating system for credit cards
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United States of America Patent
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N/A
Issued Date -
Nov 11, 2004
app pub date -
Dec 30, 2003
filing date -
May 7, 2003
priority date (Note) -
Abandoned
status (Latency Note)
Importance
Abstract
A fraud score calculating program primarily for use in determining the possibility of credit card fraud can calculate a score reflecting the reliability of a model created based on Bayesian theory. A model which is stored in a fraud detection model database 120 obtains new authorization data and continues learning as the number of data samples increases. Calculation of the score is performed by a calculation logic provided in a scoring subsystem 110. The sample number data for a case corresponding to the authorization data are obtained from the model, and the probability of the occurrence of fraudulent use is calculated. The reliability of the model is also calculated on the basis of, for example, the number of the registered samples, and a fraud score is calculated using both the calculated probability of the occurrence of fraud and the calculated reliability of the model.
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