{"schema_version":"1.0","canonical_url":"https://patentable.app/patents/US-8504456","patent":{"patent_number":"US-8504456","title":"Behavioral baseline scoring and risk scoring","assignee":null,"inventors":[],"filing_date":"2010-10-29T00:00:00.000Z","publication_date":"2013-08-06T00:00:00.000Z","cpc_codes":["G06Q","G06Q","G06Q","G06Q","G06Q"],"num_claims":31,"abstract":"Embodiments of the present invention relate to systems, apparatus, methods and computer program products for integrated risk management. More specifically, embodiments of the present invention provides for determining one or more activity baseline scores, each score associated with one or more activities and based at least in part on financial institution data from multiple financial institutions. The activity baseline score defines a normal risk or baseline activity for a customer, a customer segment or customer population. Further, the invention provides for monitoring at least the financial institution data to determine deviations from the activity baseline score(s) and generating and initiating communication of risk score alerts and/or activity baseline deviation alerts based on predetermined activity baseline deviations. Additional embodiments provide for determining a risk score based on risk patterns associated with financial institution data and, in some embodiments, non-financial institution data."},"analysis":{"summary":null,"layman_explanation":null,"technical_analysis":null,"business_analysis":null,"faqs":null,"topics":[],"tech_cluster":null},"seo":{"title":"Behavioral baseline scoring and risk scoring","description":"Embodiments of the present invention relate to systems, apparatus, methods and computer program products for integrated risk management. More specifically, embodiments of the present invention provide","keywords":[]},"attribution":{"source":"Patentable","source_url":"https://patentable.app","canonical_url":"https://patentable.app/patents/US-8504456","license":"CC-BY-4.0-like","license_terms":"AI-generated analysis on this page (summary, layman_explanation, technical_analysis, business_analysis, faqs) may be reused with attribution and a visible link back to the canonical URL above. Patent abstracts, claims, and bibliographic data are USPTO public domain.","required_link":"https://patentable.app/patents/US-8504456","citation_suggestion":"Patentable. \"Behavioral baseline scoring and risk scoring\" (US-8504456). https://patentable.app/patents/US-8504456","copyright_holder":"Nomic Interactive Technology LLC"},"links":{"html":"https://patentable.app/patents/US-8504456","json":"https://patentable.app/api/llm-context/US-8504456","site":"https://patentable.app","llms_txt":"https://patentable.app/llms.txt"},"generated_at":"2026-05-30T10:32:43.733Z"}