Michael R Mcfadden

US Patent:

20200242615, Jul 30, 2020

Filed:

Jan 17, 2020

Appl. No.:

16/746775

Inventors:

- Roseville MN, US
Sharon Hatcher Tilley - Larkspur CA, US
Michael McFadden - San Diego CA, US
Supriti Singh - San Diego CA, US
Michael Betron - Austin CA, US
Mohammad Nikpour - Austin TX, US
Elizabeth Lasher - Miami FL, US
Yan Wei - Alameda CA, US
Brendan Alexander Lacounte - Rio Rancho MN, US
Adam Barker - San Rafael CA, US
Jenny Rees - Provo UT, US
Ian Whiteside - Novato CA, US
Neil Stickels - Round Rock TX, US

International Classification:

G06Q 20/40
G06Q 40/02
G06F 16/901

Abstract:

A computer-implemented fraud detection method and system for periodically identifying network associations in a consumer population at a national credit reporting agency and computing associated network level variables related to credit use and potential first party fraud for the consumer population. In response to receiving a request for a target account from among the consumer population the computer-implemented system retrieves credit report for the target account and computes tradeline or account level variables related to credit use and potential fraudulent behavior. A fraud score is calculated based on a combined evaluation of the network level variables and the tradeline or account level variables.