SYSTEMS AND METHODS FOR IDENTITY GRAPH BASED FRAUD DETECTION

SYSTEMS AND METHODS FOR IDENTITY GRAPH BASED FRAUD DETECTION

A method and apparatus for fraud detection during transactions using identity graphs are described. A method includes receiving, at a commerce platform system, a transaction from a user having initial transaction attributes and transaction data. The method also includes determining, by the commerce...

Ausführliche Beschreibung

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Bibliographische Detailangaben
Hauptverfasser: Zhu, Tianshi, Abrahams, David, Drapeau, Ryan, Rosen, Joshua, Ouyang, Feiyi
Format: Patent
Sprache:eng
Schlagworte:
CALCULATING
COMPUTER SYSTEMS BASED ON SPECIFIC COMPUTATIONAL MODELS
COMPUTING
COUNTING
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES
PHYSICS
SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR
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Beschreibung
Zusammenfassung:A method and apparatus for fraud detection during transactions using identity graphs are described. A method includes receiving, at a commerce platform system, a transaction from a user having initial transaction attributes and transaction data. The method also includes determining, by the commerce platform system, an identity associated with the user associated with additional transaction attributes not received with the transaction. Furthermore, the method includes accessing a feature set associated with the initial transaction attributes and the additional transaction attributes that includes machine learning (ML) model features for detecting transaction fraud. The method also includes performing, by the commerce platform system, a machine learning model analysis using the feature set and the transaction data to determine a likelihood that the transaction is fraudulent, and performing, by the commerce platforms system, the transaction when the likelihood that the transaction is fraudulent does not satisfy a transaction fraud threshold.