Computerized-method and system for predicting a probability of fraudulent financial-account access
US11900385B1 · kind B1 · utility
Assignee
Inventors
Key dates
| Filing date | Aug 31, 2022 |
| Grant date | Feb 13, 2024 |
| Priority date | — |
| Expiry date | Oct 22, 2042 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06N3/082
- WIPO fieldComputer technology
- WIPO sectorElectrical engineering
Abstract
A computerized-method for predicting a probability of fraudulent financial-account access, is provided herein. The computerized-method includes a. building a Machine Learning (ML) sequence model; b. implementing a forward-propagation-routine in an encapsulated environment that runs applications to mimic a process of the ML sequence model. The forward-propagation-routine is mimicking processing of a chronical-sequence of a preconfigured number of non-financial activities sequence vector, layer by layer to generate a fraud probability score and using weights and biases which were extracted from each layer of the trained ML sequence model; and c. exporting the extracted weights, biases to a persistent storage and converting the forward propagation routine to an executable for integration with a Fraud Management System that is operating the integrated executable to predict a probability of fraudulent financial-account access by providing a fraud probability score to each chronical-sequence of a preconfigured number of non-financial activities.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.