EQUIFAX INC. Patent applications |
Patent application number | Title | Published |
20140189098 | Systems and Methods for Network Risk Reduction - Reducing risks associated with network usage is provided. Variable information is extracted from network activity log data that includes a request from a user in an organization for content from a network content source. The variable information includes a number of times that the network content source has been requested, a volume of organization users that have made a request from the network content source, and a period of time for which traffic with respect to the network content source has been detected. The variable information is scored to generate a risk score. An access control level is determined for the network content source based on the risk score and a content access policy for the organization. Access of the user in the organization to the network content source is controlled according to the access control level. | 07-03-2014 |
20140189003 | Networked Transmission of Reciprocal Identity Related Data Messages - Computer-implemented systems and methods for networks that transmit credit, non-credit or identity related alert messages or other identity related messages relating to a secondary person, minor, or other person to a primary person's device. According to certain embodiments, two or more consenting adults, such as, for example, spouses, can have identity related messages relating to their credit status, and in some cases minors' credit status, transmitted to the device of the other person or persons as well as their own device. Each individual's device is able to communicate with the system in order to control what identity related messages the system transmits to their devices, as well as to devices of the other adult. The system automatically terminates transmitting messages if a fraud event occurs. Each individual's device is also able to terminate transmission of such messages to devices of the other adult. | 07-03-2014 |
20140122455 | Systems and Methods for Intelligent Parallel Searching - Systems and methods are provided for conducting intelligent parallel searches of data sources. A search engine receives a request to access target data that is stored in at least one of multiple data sources. Each data source has a candidate index. The search engine extracts inquiry parameters from the request. The inquiry parameters corresponds to sub-indices of respective general indices. Each general index includes an index of relationships between data from at least two of the data sources. Each sub-index includes a subset of the respective general index. The search engine performs parallel searches of the general indices common to the data sources. Each parallel search includes searching the sub-indices based on corresponding inquiry parameters for the sub-indices. The search engine performs additional parallel searches of the candidate indices based on results of the parallel searches. The search engine extracts an output from results of the additional parallel searches. | 05-01-2014 |
20130173452 | DETERMINING A PERSONALIZED FUSION SCORE - Various embodiments of the present invention provide systems and methods for determining a personalized fusion score. In certain embodiments, the systems and methods are configured for calculating preliminary fused scores for consumers at least in part by applying a first score fusion technique across the sample of consumer data. Segmentation scores are then calculated based at least in part upon the preliminary fused scores. In those and other embodiments, the segmentation scores enable creation of a plurality of cluster subsets within the sample of consumer data. In certain embodiments cluster subsets are defined at least in part by a particular score mix, while in other embodiments subsets are defined at least in part by respective score fusion techniques that prove optimal for each subset. Further, in various embodiments, application of multiple score fusion techniques across respective cluster subsets provides personalized fusion scores for the consumers in each respective cluster subset. | 07-04-2013 |
20130173237 | SCORE FUSION BASED ON THE GRAVITATIONAL FORCE BETWEEN TWO OBJECTS - Various embodiments of the present invention provide systems, methods, and computer-program products for fusing at least two scores. In various embodiments, at least two scores are received in which each score predicts the probability of an outcome associated with a particular unit. In particular embodiments, A mass and a distance are calculated between two objects based on the at least two scores in which the first of the two objects is a constant and the second of the two objects comprises one or more characteristics of the particular unit. Further, in particular embodiments, a gravitational force between the two objects is calculated based on the mass and the distance and this gravitational force is used as a fused score for the at least two scores. | 07-04-2013 |
20130173236 | SCORE FUSION BASED ON THE DISPLACED FORCE OF GRAVITY - Various embodiments provide systems, methods, and computer-program products for fusing at least two scores. In various embodiments, each of the scores predicts the probability of an outcome associated with a particular unit and an angle with respect to a horizon at which an object would rest at a point on a frictionless spherical surface is calculated based on the scores. The object comprises characteristics of the particular unit at said point on the spherical surface and the scores represent a downward force of gravity that would be exerted upon the object. In particular embodiments a displaced force is calculated based on the angle and the downward force of gravity interacting according to laws of physics. The displaced force is that which would need to be exerted upon the object to compel the object to move down the spherical surface and is used as a fused score. | 07-04-2013 |
20120266227 | VERIFICATION AND AUTHENTICATION SYSTEMS AND METHODS - Embodiments of the present invention provide verification and/or authentication service engines that provide a customizable solution that can be “dialed” based on the risk level assigned to individual or grouped applications. The systems can also incorporate internal and external sources of data used to verify information provided by the user. It is dynamic and can pull information from a myriad of sources during the verification process, enabling credit reporting agencies (e.g., Equifax and others), FSPs, and other service providers to facilitate real-time approval and access to products and services. | 10-18-2012 |
20090125439 | MACROECONOMIC-ADJUSTED CREDIT RISK SCORE SYSTEMS AND METHODS - Various embodiments of the present invention provide systems and methods for automatically compensating an individual's credit risk score for macroeconomic data. In particular, various embodiments provide systems and methods to determine a macroeconomic risk score. In addition, various embodiments provide systems and methods to determine an adjusted credit risk score for an individual based on the individual's credit risk score and a macroeconomic risk score that serves as a scale adjuster to keep overall delinquency and/or loss rates in line as economic factors change. | 05-14-2009 |