Patent Document ID: 20110047044
Application ID: 12939080
Patent Flag: 0

Claim One:
1. A method for evaluating fraud risk in an electronic commerce transaction and providing a representation of the fraud risk to a merchant using electronic communication, the method comprising: generating and storing two or more fraud risk mathematical models, each model having a corresponding distribution of fraudulent transactions and a corresponding distribution of non-fraudulent transactions; defining for each mathematical model a first point corresponding to a risk estimate at which a percentage of fraudulent transactions begins to have a non-zero value; a second point corresponding to a risk estimate at which a percentage of non-fraudulent transactions begins to have a zero count; and a third point corresponding to a risk estimate at which the percentage of fraudulent transactions equals the percentage of non-fraudulent transactions; receiving information about a transaction and performing: for each fraud risk mathematical model of the two or more fraud risk mathematical models, applying the information about the transaction to said each fraud risk mathematical model, said each fraud risk mathematical model producing a corresponding raw score; transforming the corresponding raw score into a corresponding risk estimate for said each fraud risk mathematical model; blending the corresponding risk estimate of said each fraud risk mathematical model into a single fraud score for the transaction including: in response to a first risk estimate corresponding to a particular fraud risk mathematical model falling within a range of values between risk estimates corresponding to the first point and the third point respectively that are defined by the particular fraud risk mathematical model, establishing one of the fraud risk mathematical models as a scoring authority that has the authority to modify at least one corresponding risk estimate from the two or more corresponding risk estimates; wherein the method is performed by a computer system.