초록 ▼

Apparatus for fraud detection for an account includes a plurality of N statistical estimators which estimate the likelihood of a transaction being fraudulent from data about a transaction on the account and transaction history of the account. A statistical estimator is provided which computes an est

Apparatus for fraud detection for an account includes a plurality of N statistical estimators which estimate the likelihood of a transaction being fraudulent from data about a transaction on the account and transaction history of the account. A statistical estimator is provided which computes an estimate of the likelihood of a particular signature being that of a person authorized to sign on the account from an exemplar of the signature and a history of previous signatures. A combiner produces a combined probability estimate from the plurality of N statistical estimators and the statistical estimator.

대표청구항 ▼

1. An apparatus for fraud detection for an account on the event of a transaction attempted on the account, comprising:an electronic signature capture device operatively coupled to a signature processing system; a data collection device; a database operatively coupled to said signature capture device

1. An apparatus for fraud detection for an account on the event of a transaction attempted on the account, comprising:an electronic signature capture device operatively coupled to a signature processing system; a data collection device; a database operatively coupled to said signature capture device and said data collection device; a plurality of statistical estimators operatively coupled to said database which estimate the likelihood of a transaction being fraudulent; a statistical signature validity estimator operatively coupled to said database which computes the likelihood of a particular signature from said signature processing system being that of a person authorized to sign on the account from an exemplar of said particular signature and a history of previous signatures, said statistical validity estimator performing estimation independently of said plurality of statistical estimators; and a combiner for producing a combined probability estimate from said plurality of statistical estimators and said statistical signature validity estimator.