VISUALIZATION FOR PAYMENT CARD TRANSACTION FRAUD ANALYSIS

• US 20110055074A1
• Filed: 09/02/2009
• Published: 03/03/2011
• Est. Priority Date: 09/02/2009
• Status: Active Grant

• Current Assignee: Fair Isaac Corporation
• Original Assignee: Fair Isaac Corporation
• Inventors: Gancarz, Gregory, Zoldi, Scott M., Chen, Yonghui
• Granted Patent: US 10,242,540 B2
• Time in Patent Office: Days
• US Class Current: 705/39
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/4016 involving fraud or risk level assessment in transaction processing
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G07F 19/201 Accessories of ATMs

Abstract

A computer-implemented method and system for visualizing card transaction fraud analysis is presented. Transaction data and account data related to one or more payment card accounts is stored in a database. The transaction data includes a fraud score. A computer processor generates one or more of a plurality of visualizations of activity of at least one suspicious account from the one or more payment card accounts for display in a graphical user interface, each of the plurality of visualizations providing at least a graphical representation of the transaction data and which is selectable from a menu provided by the computer processor in the graphical user interface. The visualizations assist in case judgment of the one or more payment cards.

Claims

1. A system for visualizing payment card transactions for fraud analysis, the system comprising:

a database storing transaction data and account data related to each of one or more payment card accounts, the transaction data including a fraud score;

a computer processor that generates one or more of a plurality of visualizations of activity of at least one suspicious account from the one or more payment card accounts for display in a graphical user interface, each of the plurality of visualizations providing at least a graphical representation of the transaction data and being selectable from a menu provided by the computer processor in the graphical user interface.

2. The system in accordance with claim 1, wherein the transaction data includes short-term historical data and long-term historical data related to transactions executed by each payment card account.

3. The system in accordance with claim 1, wherein the at least one suspicious account has a fraud score that exceeds a predetermined threshold fraud score or satisfies at least one of a plurality of expert rules criteria for case generation.

4. The system in accordance with claim 1, wherein the plurality of visualizations include transaction data of a confirmed fraud account as a reference.

5. The system in accordance with claim 1, wherein the plurality of visualizations include a bar graph depicting the activity of the at least one suspicious account.

6. The system in accordance with claim 1, wherein the plurality of visualizations include a geographic map depicting the activity of the at least one suspicious account.

7. The system in accordance with claim 1, wherein the plurality of visualizations include a time series plot depicting the activity of the at least one suspicious account.

8. The system in accordance with claim 4, wherein the plurality of visualizations of activity of the at least one suspicious account further includes a visualization of activity of the confirmed fraud account.

9. A computer-method for visualizing card transaction fraud analysis, the method comprising:

storing transaction data and account data related to one or more payment card accounts in a database, the transaction data including a fraud score;

generating, using a computer processor, one or more of a plurality of visualizations of activity of at least one suspicious account from the one or more payment card accounts for display in a graphical user interface, each of the plurality of visualizations providing at least a graphical representation of the transaction data and which is selectable from a menu provided by the computer processor in the graphical user interface.

10. The method in accordance with claim 9, wherein the transaction data includes short-term historical data and long-term historical data related to transactions executed by each payment card account.

11. The method in accordance with claim 9, wherein the at least one suspicious account has a fraud score that exceeds a predetermined threshold fraud score.

12. The method in accordance with claim 9, wherein the plurality of visualizations include transaction data of a confirmed fraud account as a reference.

13. The method in accordance with claim 9, wherein the plurality of visualizations include a bar graph depicting the activity of the at least one suspicious account.

14. The method in accordance with claim 9, wherein the plurality of visualizations include a geographic map depicting the activity of the at least one suspicious account.

15. The method in accordance with claim 9, wherein the plurality of visualizations include a time series plot depicting the activity of the at least one suspicious account.

16. The method in accordance with claim 13, wherein the plurality of visualizations of activity of the at least one suspicious account further includes a visualization of activity of the confirmed fraud account.

17. A computer-implemented method for visualizing payment card transactions fraud analysis, the method comprising:

assisting case judgment via a computer of at least one suspicious account, from one or more payment card accounts, by using the fraud score associated with transaction data and account data of the one or more payment card accounts; and

generating, using the computer, one or more of a plurality of visualizations of activity of the at least one suspicious account for display in a graphical user interface of the computer, each of the plurality of visualizations providing at least a graphical representation of the transaction data and which is selectable from a menu provided by the computer processor in the graphical user interface; and

providing the graphical user interface in a display with user-selectable controls to switch from one of the plurality of visualizations to another of the plurality of visualizations.

18. The method in accordance with claim 17, wherein the plurality of visualizations include a bar graph depicting the activity of the at least one suspicious account.

19. The method in accordance with claim 17, wherein the plurality of visualizations include a geographic map depicting the activity of the at least one suspicious account.

20. The method in accordance with claim 17, wherein the plurality of visualizations include a time series plot depicting the activity of the at least one suspicious account.