SCORE BASED DECISIONING
First Claim
1. A computer-implemented method for processing a request for an interaction over a computer network, comprising:
- receiving a request for an interaction from a user, the request including a first set of interaction data for variables descriptive of the interaction;
determining a value of the interaction based on the first set of interaction data; and
responsive to the value of the interaction, performing at least one of;
terminating the interaction;
proceeding with the request for an interaction;
or obtaining additional data from the user in order to facilitate the determination of whether to proceed with the interaction.
3 Assignments
0 Petitions
Accused Products
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.
81 Citations
30 Claims
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1. A computer-implemented method for processing a request for an interaction over a computer network, comprising:
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receiving a request for an interaction from a user, the request including a first set of interaction data for variables descriptive of the interaction;
determining a value of the interaction based on the first set of interaction data; and
responsive to the value of the interaction, performing at least one of;
terminating the interaction;
proceeding with the request for an interaction;
orobtaining additional data from the user in order to facilitate the determination of whether to proceed with the interaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18)
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19. A method for processing a request for an interaction over a computer network, the method comprising:
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receiving a request for an interaction from a user, the request including a first set of transaction data for variables descriptive of the initial interaction;
obtaining a follow-up question set; and
estimating the likelihood that the user will terminate the interaction if the user is presented with the follow-up question set by applying the follow-up question set to a predictive model, the predictive model derived from pre-processing past interaction data for a plurality of users to derive past attrition related variables, the past interaction data including variables descriptive of a past interaction and at least one variable descriptive of whether the interaction was attrited. - View Dependent Claims (20, 21, 22, 23)
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24. A system for processing a request for an interaction over a computer network, the system comprising:
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initial interaction data for a user, the initial interaction data including variables descriptive of an initial interaction;
user data for variables descriptive of past user interactions;
follow-up question set data; and
a predictive model for estimating the likelihood that a user will terminate an interaction if the user is presented with a follow-up question set selected from the follow up question set data, based on initial interaction data, user data, and follow-up question set data. - View Dependent Claims (25)
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26. A method for processing a request for an interaction over a computer network, the method comprising:
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receiving a request for an interaction from a user, the request including a first set of interaction data for variables descriptive of the interaction;
calculating, for each of a plurality of follow-up question sets, a metric for the value of additional data provided by a follow-up question set;
determining, for each of a plurality of follow-up question sets, the likelihood that the user will terminate the interaction if the user is presented with the follow-up question set;
determining, for each of a plurality of follow-up question sets, the probability of non-attrited fulfillment for a follow-up question set based on the metric for the value of additional data and based on the likelihood that the user will terminate the interaction; and
selecting the follow-up question set with the greatest probability of non-attrited fulfillment. - View Dependent Claims (27, 28)
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29. A graphical user interface for processing a request for a transaction, the graphical user interface comprising:
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a first web page having embedded therein a first form for obtaining initial data to complete a transaction;
a second web page, the second web page having embedded therein a second form for presenting a follow-up question set; and
a decision module that selectively sends the second web page to a client computer in response to a value of the transaction calculated based on the initial data gathered by the first web page. - View Dependent Claims (30)
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Specification