Dynamic account risk assessment from heterogeneous events
US12174964B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Jan 27, 2021 |
| Grant date | Dec 24, 2024 |
| Priority date | — |
| Expiry date | Jan 27, 2041 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06F2221/034
- WIPO fieldComputer technology
- WIPO sectorElectrical engineering
Abstract
Embodiments described herein provide for performing a risk assessment. A computer identifies and stores heterogeneous events between a user and a provider system in which the user interacts with an account. The computer may store the heterogeneous events in a table. The stored event information normalizes the events associated with an account. The computer may determine static risk contributions associated with the event information of the account and store the static risk contributions in the table. The computer groups the static risk contributions into predetermined groups. The static risk contributions in each group are converted into dynamic risk contributions. The dynamic risk contributions of each group are aggregated, and the aggregate value of the dynamic risk contributions are fed to a machine learning model. The machine learning model determines a risk score associated with the account.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.