Artificial intelligence fraud management solution
AssigneeBrighterion, Inc.
InventorAkli Adjaoute
Life of this patent
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Abstract
An artificial intelligence fraud management solution comprises an expert programmer development system to build trainable general payment fraud models that integrate several artificial intelligence classifiers like neural networks, case based reasoning, decision trees, genetic algorithms, fuzzy logic, and rules and constraints. These are further integrated by the expert programmers and development system with smart agents and associated real-time profiling, recursive profiles, and long-term profiles. The trainable general payment fraud models are trained with supervised and unsupervised data to produce an applied payment fraud model. This then is applied by a commercial client to process real-time transactions and authorization requests for fraud scores.
Claims6
An automation tool for the application development of multi-discipline artificial intelligence fraud management systems, comprising:
- an expert programmer development system with tools and software libraries for building trainable general payment fraud models that are constructed of and integrate several artificial intelligence classifiers, including smart agents, neural networks, case-based reasoning, decision trees, and business rules;
- wherein, said trainable general payment fraud models are capable of being trained with historical transaction data that causes:
- an initial population of smart agents and associated profiles to be generated,
- an initial set of neural networks to assume a beginning weight matrix,
- an initial decision tree to be structured from data mining logic,
- an initial case-based reasoning set to be structured, and
- an initial set of business rules to be fixed;
- wherein, said trainable general payment fraud models are detachable once built;
Dependencies are inferred from the claim text.