TELECOM SOCIAL NETWORK ANALYSIS DRIVEN FRAUD PREDICTION AND CREDIT SCORING
First Claim
1. A computer-implemented method for calculating a score indicating a propensity of a person to engage in negative credit practices from telephone call records, the method comprising:
- retrieving telephone call data comprising records of telephone calls between users;
forming a social graph from the telephone call data, wherein the users are represented as nodes and an existence of a record of at least one telephone call between a pair of users is represented as an edge connecting a corresponding node pair on the social graph;
determining a strength of a relationship of each of a plurality of second users having a degree of separation of one with a first user using the social graph of records of telephone calls between users;
assigning a weight corresponding to the strength of the relationship to the edge connecting the corresponding node pair;
assigning an initial score to the first user and to each of the plurality of second users, the initial score indicating a propensity for engaging in a negative credit practice, a score of zero indicating a lack of a record of engaging in the negative credit practice; and
determining a score for the first user to engage in the negative credit practice comprising calculating a first degree cumulative score based on the initial scores assigned to the second users having a degree of separation of one and the weight of the edges connecting the corresponding node pairs.
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Accused Products
Abstract
A method for scoring a user'"'"'s propensity for credit fraud includes forming a social graph from Call Detail Records (“CDR”), the users being nodes and weighted edges connecting node pairs representing a relationship between those users. Initial scores are assigned to users. A first user/credit applicant final score is calculated as a sum of all weighted initial scores of users having a degree of separation of n with the first user, along a path of connecting edges on the social graph, each weighted initial score being a product of the weight of the edges connecting the corresponding node pair, the user initial score, and the inverse square of the degree of separation with the first user. The summation of the degree weighted initial scores of users with degree of separation of n or less is the first user'"'"'s credit-fraud score.
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Citations
19 Claims
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1. A computer-implemented method for calculating a score indicating a propensity of a person to engage in negative credit practices from telephone call records, the method comprising:
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retrieving telephone call data comprising records of telephone calls between users; forming a social graph from the telephone call data, wherein the users are represented as nodes and an existence of a record of at least one telephone call between a pair of users is represented as an edge connecting a corresponding node pair on the social graph; determining a strength of a relationship of each of a plurality of second users having a degree of separation of one with a first user using the social graph of records of telephone calls between users; assigning a weight corresponding to the strength of the relationship to the edge connecting the corresponding node pair; assigning an initial score to the first user and to each of the plurality of second users, the initial score indicating a propensity for engaging in a negative credit practice, a score of zero indicating a lack of a record of engaging in the negative credit practice; and determining a score for the first user to engage in the negative credit practice comprising calculating a first degree cumulative score based on the initial scores assigned to the second users having a degree of separation of one and the weight of the edges connecting the corresponding node pairs. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19)
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Specification