Feature drift hardened online application origination (OAO) service for fraud prevention systems
US11410187B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Feb 28, 2020 |
| Grant date | Aug 9, 2022 |
| Priority date | — |
| Expiry date | Sep 13, 2040 |
Classification
- Technology area (CPC H)Electricity
- CPC primaryH04L67/535
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
A fraud prevention system that includes a fraud prevention server including an electronic processor and a memory. The memory includes a feature drift hardened online application origination (OAO) service. When executing the feature drift hardened OAO service, the electronic processor is configured to detect, with respect to a first OAO model, feature drift in a dataset of an online application that exceeds a predefined threshold, generate one or more feature drift hardened OAO models that mitigate the feature drift, determine a fraud score of the online application based on the one or more feature drift hardened OAO models that differentiates between a behavior of a normal user and a behavior of a nefarious actor during a submission of the online application on a device and mitigates the feature drift, and control a client server to approve, hold, or deny the online application based on the fraud score.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.