基本信息:
- 专利标题： SYSTEM, METHOD, AND COMPUTER PROGRAM PRODUCT FOR DETERMINING FRAUD
- 申请号：PCT/US2021/058151 申请日：2021-11-05
- 公开(公告)号：WO2022108767A1 公开(公告)日：2022-05-27
- 发明人： GELDA, Dhruv , JAIN, Shubham , MCGLOIN, Andrew, Malachy , ZHANG, Wei , YANG, Hao , WANG, Liang
- 申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
- 申请人地址： P.O. Box 8999
- 专利权人： VISA INTERNATIONAL SERVICE ASSOCIATION
- 当前专利权人： VISA INTERNATIONAL SERVICE ASSOCIATION
- 当前专利权人地址： P.O. Box 8999
- 代理机构： PREPELKA, Nathan J. et al.
- 优先权： US63/114,604 2020-11-17
- 主分类号： G06F15/18
- IPC分类号： G06F15/18 ; G06N5/02 ; G06Q10/00 ; G06Q20/00 ; G06Q20/40
摘要：
A method of determining fraud includes: receiving a transaction request associated with a first payment transaction between a merchant and a user from a merchant system; generating a first risk score based on the transaction request and a first set of transaction data received prior to the transaction request; processing a transaction request approval based on the first risk score not satisfying a first threshold; receiving a risk score request associated with the first payment transaction, where the risk score request is received after the transaction request has been approved; generating a second risk score based on a second set of transaction data received after the first risk score is determined; and automatically classifying the first payment transaction as potentially fraudulent in response to determining that the second risk score satisfies a second threshold.
IPC结构图谱:
| G | 物理 |
| --G06 | 计算；推算；计数 |
| ----G06F | 电数字数据处理 |
| ------G06F15/00 | 电方式操作的数字计算机 |
| --------G06F15/18 | .其中，根据计算机本身在一个完整的运行期间内所取得的经验来改变程序的；学习机器 |