Identification of behavioral pattern of simulated transaction data

US11461793B2 · kind B2 · utility

Assignee

• International Business Machines Corporation · US

Inventors

• Brandon Harris · Palo Alto, US
• Eugene Irving Kelton · Mechanicsburg, US
• Chaz Vollmer · Raleigh, US

Key dates

• Filing date: Nov 5, 2019
• Grant date: Oct 4, 2022
• Expiry date: Nov 17, 2039

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q50/22
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Embodiments can provide a method for identifying a behavioral pattern from simulated transaction data, the method including: simulating transaction data using a reinforcement learning model; and identifying a behavioral pattern from the simulated transaction data. The step of simulating transaction data further includes: providing standard customer transaction data representing a group of customers having similar transaction characteristics as a goal; and performing a plurality of iterations to simulate the standard customer transaction data, wherein the plurality of iterations is performed until a degree of similarity of simulated customer transaction data relative to the standard customer transaction data is higher than a first predefined threshold. In each iteration, the method includes conducting an action including a plurality of simulated transactions; comparing the action with the goal; providing feedback associated with the action based on a degree of similarity relative to the goal; and adjusting a policy based on the feedback.