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1. WO2022115945 - FRAUD PREDICTION SERVICE

Publication Number WO/2022/115945
Publication Date 09.06.2022
International Application No. PCT/CA2021/051713
International Filing Date 01.12.2021
IPC
G06F 21/50 2013.1
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
FELECTRIC DIGITAL DATA PROCESSING
21Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
50Monitoring users, programs or devices to maintain the integrity of platforms, e.g. of processors, firmware or operating systems
G06Q 20/40 2012.1
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
G06N 20/00 2019.1
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
NCOMPUTER SYSTEMS BASED ON SPECIFIC COMPUTATIONAL MODELS
20Machine learning
CPC
G06F 16/24552
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
FELECTRIC DIGITAL DATA PROCESSING
16Information retrieval; Database structures therefor; File system structures therefor
20of structured data, e.g. relational data
24Querying
245Query processing
2455Query execution
24552Database cache management
G06F 16/254
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
FELECTRIC DIGITAL DATA PROCESSING
16Information retrieval; Database structures therefor; File system structures therefor
20of structured data, e.g. relational data
25Integrating or interfacing systems involving database management systems
254Extract, transform and load [ETL] procedures, e.g. ETL data flows in data warehouses
G06F 16/285
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
FELECTRIC DIGITAL DATA PROCESSING
16Information retrieval; Database structures therefor; File system structures therefor
20of structured data, e.g. relational data
28Databases characterised by their database models, e.g. relational or object models
284Relational databases
285Clustering or classification
G06F 16/353
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
FELECTRIC DIGITAL DATA PROCESSING
16Information retrieval; Database structures therefor; File system structures therefor
30of unstructured textual data
35Clustering; Classification
353into predefined classes
G06F 8/60
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
FELECTRIC DIGITAL DATA PROCESSING
8Arrangements for software engineering
60Software deployment
G06N 20/00
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
NCOMPUTER SYSTEMS BASED ON SPECIFIC COMPUTATIONAL MODELS
20Machine learning
Applicants
  • MASTERCARD TECHNOLOGIES CANADA ULC [CA]/[CA]
Inventors
  • HEARTY, John
  • MADISON, Jake
  • LAWN, Aidan
  • SHAH, Parin Prashant
  • KENNEDY, James
Agents
  • BERESKIN & PARR LLP / S.E.N.C.R.L.
Priority Data
63/120,54702.12.2020US
Publication Language English (en)
Filing Language English (EN)
Designated States
Title
(EN) FRAUD PREDICTION SERVICE
(FR) SERVICE DE PRÉDICTION DE FRAUDE
Abstract
(EN) Methods and systems of providing fraud prediction services. One method includes receiving a request from a resource provider network and generating a set of features associated with the request. The method also includes accessing a fraud prediction model from a model database and applying the fraud prediction model to the set of features. The method also includes determining, with an electronic processor, a fraud prediction for the request based on the application of the fraud prediction model to the set of features. The method also includes generating and transmitting, with the electronic processor, a response to the request, the response including the fraud prediction.
(FR) L'invention concerne des procédés et des systèmes de fourniture de services de prédiction de fraude. Un procédé consiste à recevoir une demande en provenance d'un réseau de fournisseur de ressources et à générer un ensemble de caractéristiques associées à la demande. Le procédé consiste en outre à avoir accès à un modèle de prédiction de fraude à partir d'une base de données de modèles et à appliquer le modèle de prédiction de fraude à l'ensemble de caractéristiques. Le procédé consiste également à déterminer, avec un processeur électronique, une prédiction de fraude pour la demande sur la base de l'application du modèle de prédiction de fraude à l'ensemble de caractéristiques. Le procédé consiste également à générer et à transmettre, avec le processeur électronique, une réponse à la demande, la réponse comprenant la prédiction de fraude.
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