System, Method, and Apparatus for Self-Adaptive Scoring to Detect Misuse or Abuse of Commercial Cards

• US 20180350006A1
• Filed: 06/02/2017
• Published: 12/06/2018
• Est. Priority Date: 06/02/2017
• Status: Abandoned Application

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Agrawal, Shubham, Barcenas, Carolina, Chetia, Chiranjeet, Johnson, Steven, Nair, Manikandan
• Application Number:
  US15/612,495
• Publication Number:
  US 20180350006A1
• Time in Patent Office: Days
• CPC Class Codes: G06F 7/026 Magnitude comparison, i.e. determining the relative order of operands based on their numerical value, e.g. window comparator
• CPC Class Codes: G06F 7/08 Sorting, i.e. grouping record carriers in numerical or other ordered sequence according to the classification of at least some of the information they carry by merging two or more sets of carriers in ordered sequence G06F7/16
• CPC Class Codes: G06Q 10/067 Enterprise or organisation modelling
• CPC Class Codes: G06Q 40/12 Accounting

Abstract

Provided is a system, method and computer readable medium for detecting at least one non-compliant commercial card transaction for a plurality of transactions received from a merchant, and for generating at least one score for a received transaction, based at least partially on a scoring model, to determine whether a transaction is non-compliant. The scoring model includes at least one score determined by unsupervised learning with feedback from score influencing rules, case disposition data, transactional data, historical data and old scoring models and automatically modifying, at predefined intervals, the scoring model based on current score influencing rules and case disposition data. Machine learning is programmed to score the model based at least partially on a probability-based outlier detection algorithm and a clustering algorithm and to provide a case presentation system for audit and review of scored transactions and to receive input comprising case disposition data and score influencing rules.

Claims

1. A computer-implemented method for detecting non-compliant commercial card transactions from a plurality of transactions associated with a plurality of merchants, comprising:

receiving, with at least one processor, a plurality of settled transactions for commercial cardholder accounts;

generating, with at least one processor, at least one score for each settled transaction of the plurality of settled transactions as each settled transaction is scored based at least partially on at least one scoring model;

determining, with at least one processor, whether each settled transaction is compliant or non-compliant based at least partially on the at least one score for each settled transaction;

receiving, with at least one processor from at least one user, case disposition data corresponding to at least one settled transaction of the plurality of settled transactions; and

automatically modifying, at predefined intervals, the scoring model based at least partially on heuristics, anomaly detection, and case disposition data.

2. The computer-implemented method of claim 1, wherein the at least one scoring model is based at least partially on at least one of a probability-based outlier detection algorithm and a clustering algorithm.

3. The computer-implemented method of claim 1, wherein receiving the case disposition data comprises:

generating at least one graphical user interface comprising at least a subset of the plurality of settled transactions; and

receiving user input through the at least one graphical user interface, the user input comprising the case disposition data.

4. The computer-implemented method of claim 1, wherein generating the at least one score for each settled transaction of the plurality of settled transactions as each settled transaction is received comprises generating the at least one score for a subset of settled transaction s on a daily basis or on a real-time basis.

5. The computer-implemented method of claim 1, further comprising receiving, with at least one processor from the at least one user, at least one score influencing rule corresponding to at least one settled transaction of the plurality of settled transactions, wherein the scoring model is modified based at least partially on the at least one score influencing rule.

6. The computer-implemented method of claim 5, further comprising receiving by a case presentation server the score influencing rule, wherein the score influencing rule is assigned to a first company.

7. The computer-implemented method of claim 1, further comprising in response to generating at least one score for each settled transaction, determining, with at least one processor, reason codes representing information about a particular scored feature.

8. The computer-implemented method of claim 7, further comprising in response to generating at least one score for each settled transaction, determining with at least one processor, reason codes that represent information about a particular scored feature, wherein a contribution to the score is indicated by the reason code.

9. The computer-implemented method of claim 2, wherein the clustering algorithm is processed before the at least one probability-based outlier detection algorithm, providing at least one scored settled transaction.

10. The computer-implemented method of claim 2, further comprising receiving feedback for model scoring, the feedback including at least one of the following:

score influencing rules, case dispositive data, old model scores, new historical data, or any combination thereof.

11. The computer-implemented method of claim 10, wherein the feedback updates at least one attribute associated with a scored transaction.

12. A system for detecting at least one non-compliant commercial card transaction from a plurality of transactions associated with a plurality of merchants, comprising at least one transaction processing server having at least one processor programmed or configured to:

receive, from a merchant, a plurality of settled transactions for commercial cardholder accounts;

generate at least one score for each settled transaction of the plurality of settled transactions as each settled transaction is received based at least partially on at least one scoring model;

determine whether each settled transaction is compliant or non-compliant based at least partially on the at least one score for each settled transaction;

receive, from at least one user, score influencing heuristics corresponding to at least one settled transaction of the plurality of settled transactions;

receive, from at least one user, case disposition data corresponding to at least one settled transaction of the plurality of settled transactions; and

automatically modify, at predefined intervals, the scoring model based at least partially on the heuristics and case disposition data.

13. The system of claim 12, wherein the at least one processor is further programmed or configured to score the at least one model based at least partially on at least one of a probability-based outlier detection algorithm and a clustering algorithm.

14. The system of claim 12, wherein the at least one processor is further programmed or configured to:

generate at least one graphical user interface comprising at least a subset of the plurality of settled transactions; and

receive user input through the at least one graphical user interface, the user input comprising the case disposition data.

15. The system of claim 12, wherein the at least one processor is further programmed or configured to generate at least one score for each settled transactions of the plurality of settled transactions as each settled transaction is received, comprising generating the at least one score for a subset of settled transactions on a daily basis or on a real-time basis.

16. The system of claim 12, wherein the at least one processor is further programmed or configured to receive, from the at least one user, at least one score influencing rule corresponding to at least one settled transaction of the plurality of settled transactions, wherein the scoring model is modified based at least partially on the at least one score influencing rule.

17. The system of claim 12, wherein the score influencing rule is assigned to a first company.

18. The system of claim 12, wherein the at least one processor is further programmed or configured to in response to generating at least one score for each settled transaction, determine, reason codes that represent information about a particular scored feature, wherein a contribution to the score is indicated by the reason code.

19. The system of claim 12, wherein the at least one processor is further programmed or configured to process the clustering algorithm before at least one probability-based outlier detection algorithm is processed, providing at least one scored settled transaction.

20. The system of claim 12, wherein the at least one processor is further programmed or configured to include at least one or more of the following:

score influencing rules, case dispositive data, old model scores, new historical data, or any combination thereof.

21. The computer-implemented method of claim 12, wherein the feedback updates at least one attribute associated with a scored transaction.

22. A computer program product for processing non-compliant commercial card transactions from a plurality of transactions associated with a plurality of merchants, comprising at least one non-transitory computer-readable medium including program instructions that, when executed by at least one processor, cause the at least one processor to:

receive, from a merchant point of sale system, a plurality of settled transactions for commercial cardholder accounts;

generate at least one score for each settled transaction of the plurality of settled transactions as each settled transaction is received based at least partially on at least one scoring model;

determine whether each settled transaction is compliant or non-compliant based at least partially on the at least one score for each settled transaction;

receive, from at least one user, score influencing heuristics corresponding to at least one settled transaction of the plurality of settled transactions;

receive, from at least one user, case disposition data corresponding to at least one settled transaction of the plurality of settled transactions; and

automatically modify, at predefined intervals, the scoring model based at least partially on the heuristics and case disposition data.