| 摘要 |
Methods, systems, and computer program products for screening transactions. An estimated probability of fraud is used to determine an expected cost of fraud for accepting, denying, and ,manually reviewing a transaction. The action that provides the lowest expected cost of fraud is then chosen. Transactions selected for manual review are prioritized for review based on an expected reduction in the cost of fraud as compared to accepting the transaction without performing the review. Manual review capacity is adjusted to accommodate the expected number of transactions that have a higher reduction in cost of fraud than the opportunity cost of performing the manual review. To account for cases in which a transaction selected for manual review cannot be reviewed prior to the capture time, a probability is determined that the transaction will not be reviewed, and the cost of fraud for requesting the manual review adjusted based thereon. |
