Risk management technique for network access

Details Risk management technique for network access Risk management technique for network access

1997-09-17

2000-05-16

Voeltz, Emanuel Todd

Data processing: financial, business practice, management, or co

Automated electrical financial or business practice or...

Operations research or analysis

705 1, 705 38, 455 261, 455410, 379 9302, G06F 1760

Patent

active

060649720

ABSTRACT:
The risk of fraud associated with access by a subscriber to a network (42) is managed by a system that includes a data base (46) that stores a record for each subscriber indicative of that subscriber's usage history and payment ability for each service to which that subscriber has access. Additionally, the subscriber's record also stores an individual service risk characteristic indicative of the risk of providing access by the subscriber to a particular service, as well as a composite risk characteristic indicative of an overall risk of access. In response to a request for access to a particular service by a subscriber, the data base (46) responds in accordance with the subscriber's individual service risk characteristic for the service sought as well as the composite risk characteristic. In this way, account is taken of the subscriber's usage and payment ability with respect to all services available to the subscriber, rather than the single service sought by the subscriber.

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