Fraud detection and analysis

摘要

Systems and methods generate a risk score for an account event. The systems and methods automatically generate a causal model corresponding to a user, wherein the model estimates components of the causal model using event parameters of a previous event undertaken by the user in an account of the user. The systems and methods predict expected behavior of the user during a next event in the account using the causal model. Predicting the expected behavior of the user includes generating expected event parameters of the next event. The systems and methods use a predictive fraud model to generate fraud event parameters. Generation of the fraud event parameters assumes a fraudster is conducting the next event, wherein the fraudster is any person other than the user. The systems and methods generate a risk score of the next event to indicate the relative likelihood the future event is performed by the user.

主权项

1. A method comprising:
generating probabilistic relationships between event parameters of a previous event and derived parameters of an owner of an account; automatically generating a user model including the probabilistic relationships; dynamically updating the user model using event parameters of a future event; and predicting during the future event with use of the user model whether the owner or a fraudster is perpetuating the future event, wherein an event includes an action taken in the account during access of the account.