Transaction sequence processing with embedded real-time decision feedback
US11153314B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Mar 29, 2019 |
| Grant date | Oct 19, 2021 |
| Priority date | — |
| Expiry date | Jun 16, 2040 |
Classification
- Technology area (CPC H)Electricity
- CPC primaryH04L63/1433
- WIPO fieldComputer technology
- WIPO sectorElectrical engineering
Abstract
A system and method for scoring an interaction using an analytical model and authorization decisions is disclosed. The method includes receiving from an access device an authorization request message for an interaction between a user and a resource provider. An analytical model comprising a neural network with at least one long short-term memory determines a score based on data in the authorization request message. The analytical model was formed using interaction data from prior authorization request messages, and authorization response messages from an authorizing computer. The authorization request message and the score is transmitted to the authorizing computer and an authorization response message, including an indication of whether the interaction was approved or declined, is received. Then the analytical model is updated based upon data in the authorization request message and the indication in the authorization response message to form an updated analytical model.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.