Intelligent Security Risk Assessment
AssigneeADP, Inc.
InventorsFrancisco Villavicencio, Juan M. Andrade
Life of this patent
Estimating the term…
Abstract
A method, computer system, and computer program product for on-demand risk assessment in on-line transactions comprises: computing, by a machine intelligence application, a risk score for the individual; providing the risk score to a cache; and responsive to receiving new data regarding the individual, calculating a new risk score for the individual and replacing the risk score in the cache with the new score.
Claims20
A computer-implemented method, the computer-implemented method comprising:
- responsive to receiving a message, calculating, by a machine intelligence application running on a processor unit, a risk score for an individual;
- and
- providing, by the machine intelligence application running on the processor unit, the risk score to a cache;
- wherein the message is triggered by an event regarding the individual in an external database or an internal database and is associated with new data regarding the individual enabling improved risk assessment that results in increased security in processing transactions in a computer system.
A computer system for assigning a risk score to an individual, the computer system comprising:
- a processor unit;
- a data ingestion and orchestration application running on the processor unit;
- internal data sources connected to the data ingestion and orchestration application, the internal data sources configured to send a first message associated with an internal data item, responsive to a first triggering event, to the processor unit;
- external data sources connected to the data ingestion and orchestration framework, the external sources configured to send a second message associated with an external data item, responsive to a second triggering event, to the processor unit;
- a normalizer, running on the processor, to form normalized data from the internal data item and the external data item;
- and
- a machine intelligence application having an algorithm configured to receive the normalized data and to compute the risk score for an individual using the normalized data.
A computer program product for real time risk assessment comprising:
- computer-readable instructions configured to cause a processor to request a risk score for an individual;
- computer-readable instructions configured to cause a processor, responsive to receiving a request for a risk score, to access a cache;
- computer-readable instructions configured to cause a processor, responsive to accessing the cache, identify a risk score for the individual;
- and
- computer-readable instructions configured to cause a processor, responsive to identifying the risk score for the individual, determining whether to grant or deny access to the on-line transaction based on the risk score.
Dependencies are inferred from the claim text.