ANALYTICS DRIVEN ASSESSMENT OF TRANSACTIONAL RISK DAILY LIMIT EXCEPTIONS

摘要

Embodiments relate to analytics driven assessment of transactional risk daily limit (TRDL) exceptions. A transaction that includes a request to make a payment from an account associated with a customer is received and it is determined that processing the payment will result in exceeding a TRDL. Customer data including historical transaction data and customer profile data associated with the customer is accessed by a processor. Economic data from an external data source is accessed via a network from an external data source. A TRDL exception assessment model is applied, by the processor, to the transaction, the customer data, and the economic data to generate an approval recommendation for the request and a confidence level associated with the approval recommendation.

主权项

1. A method for analytics driven assessment of transactional risk daily limit (TRDL) exceptions, the method comprising:
receiving, by a computer, a transaction that includes a request to make a payment from an account associated with a customer; determining, by the computer, that processing the payment will result in exceeding a TRDL; and in response to the determining: accessing, by the computer, customer data including historical transaction data and customer profile data associated with the customer; accessing economic data from an external data source over a network, the economic data including real-time market data reflecting a current health of the economy; and applying, by the computer, a TRDL exception assessment model to the transaction, the customer data and the economic data to generate an approval recommendation for the request and a confidence level associated with the approval recommendation.