| 摘要 |
Methods, systems, and computer program products for screening transactions. A probability function provides an estimated probability of fraud for a pending transaction based on one or more parameters of the transaction. The estimated probability of fraud is used to determine an estimated cost of fraud for several possible actions that may be taken with regard to the transaction, and the action that provides the lowest expected cost of fraud chosen. To reduce prediction error, the function is adjusted to minimize a "cost error", which is determined by applying the function to historical transactions stored in a transaction database. The cost error may be determined by comparing estimated probabilities of fraud for accepted transactions to a known probability of fraud based on whether a chargeback was received for the transaction in question. Parameters of the function may be adjusted to minimize a collective cost error across a set of historical transactions. |
