Visualization for payment card transaction fraud analysis
First Claim
1. A system comprising:
- a database storing transaction data and account data related to one or more payment card accounts, the transaction data including short-term historical data and long-term historical data related to transactions executed by the one or more payment card account, the transaction data including a fraud score for one or more transactions that have a score for a set of transaction variables that exceed a threshold set by a fraud management system operatively coupled to the database via a communication network;
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 an interactive graphical user interface, one or more of the plurality of visualizations providing at least a graphical representation of the transaction data and the fraud score selectable from a menu provided by the computer processor in the interactive graphical user interface, the plurality of visualizations including transaction data of at least one confirmed fraud account as a reference, the plurality of visualizations comprising at least one or more of a geographic map depicting the activity of the at least one suspicious account at one or more locations identified by corresponding points on the geographic map, the activity characterizing data associated with one or more of transactions at an automated teller machine (ATM), time of transactions, keyed transactions, or transactions for obtaining gas, or a time series plot depicting history of activities of the at least one suspicious account over a course of at least two or more of one day, one week, one month or other finite time span for one or more categories of transactions, such that side-by-side visual presentation of the history of activities for multiple time spans improves fraud detection capabilities; and
the interactive graphical user interface to dynamically display one or more of the plurality of visualizations, improving fraud detection capabilities of the fraud detection computing system, by further calculating a Euclidean distance between two points on a historical timeline graph for a suspicious account, wherein a calculated Euclidian distance that is closer to a known fraud cluster than to a known non-fraud cluster provides a further indication of potential fraud.
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Accused Products
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.
32 Citations
14 Claims
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1. A system comprising:
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a database storing transaction data and account data related to one or more payment card accounts, the transaction data including short-term historical data and long-term historical data related to transactions executed by the one or more payment card account, the transaction data including a fraud score for one or more transactions that have a score for a set of transaction variables that exceed a threshold set by a fraud management system operatively coupled to the database via a communication network; 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 an interactive graphical user interface, one or more of the plurality of visualizations providing at least a graphical representation of the transaction data and the fraud score selectable from a menu provided by the computer processor in the interactive graphical user interface, the plurality of visualizations including transaction data of at least one confirmed fraud account as a reference, the plurality of visualizations comprising at least one or more of a geographic map depicting the activity of the at least one suspicious account at one or more locations identified by corresponding points on the geographic map, the activity characterizing data associated with one or more of transactions at an automated teller machine (ATM), time of transactions, keyed transactions, or transactions for obtaining gas, or a time series plot depicting history of activities of the at least one suspicious account over a course of at least two or more of one day, one week, one month or other finite time span for one or more categories of transactions, such that side-by-side visual presentation of the history of activities for multiple time spans improves fraud detection capabilities; and the interactive graphical user interface to dynamically display one or more of the plurality of visualizations, improving fraud detection capabilities of the fraud detection computing system, by further calculating a Euclidean distance between two points on a historical timeline graph for a suspicious account, wherein a calculated Euclidian distance that is closer to a known fraud cluster than to a known non-fraud cluster provides a further indication of potential fraud. - View Dependent Claims (2, 3, 4, 5, 12, 13)
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6. A computer-implemented method comprising:
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storing transaction data and account data related to one or more payment card accounts in a database of a computerized fraud detection system, the transaction data including a fraud score, short-term historical data and long-term historical data related to transactions executed by the one or more payment card accounts; generating one or more of a plurality of visualizations of activity of at least one suspicious account from the one or more payment card accounts, at least one of the plurality of visualizations providing at least a graphical representation of the transaction data selectable from a menu provided by an interactive graphical user interface of the computerized fraud detection system, the plurality of visualizations comprising at least one or more of a geographic map depicting the activity of the at least one suspicious account at one or more locations identified by corresponding points on the geographic map, the activity characterizing data associated with;
one or more transactions at an automated teller machine (ATM), time of transactions, keyed transactions, and transactions for obtaining gas, or a time series plot depicting history of activities of the at least one suspicious account over a course of at least two or more of one day, one week, one month or other finite time span for one or more categories of transactions, such that side-by-side visual presentation of the history of activities for multiple time spans improves fraud detection capabilities; anddynamically displaying, by the interactive graphical user interface, one or more of the plurality of visualizations, improving fraud detection capabilities of the fraud detection computing system, by further calculating a Euclidean distance between two points on a historical timeline graph for a suspicious account, wherein a calculated Euclidian distance that is closer to a known fraud cluster than to a known non-fraud cluster provides a further indication of potential fraud. - View Dependent Claims (7, 8, 9, 10, 11)
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14. A non-transitory computer program product storing instructions that, when executed by at least one programmable processor, cause the at least one programmable processor to perform operations comprising:
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storing transaction data and account data related to one or more payment card accounts in a database of a computerized fraud detection system, the transaction data including a fraud score, short-term historical data and long-term historical data related to transactions executed by the one or more payment card accounts; generating one or more of a plurality of visualizations of activity of at least one suspicious account from the one or more payment card accounts, at least one of the plurality of visualizations providing at least a graphical representation of the transaction data selectable from a menu provided by an interactive graphical user interface of the computerized fraud detection system, the plurality of visualizations comprising at least one or more of a geographic map depicting the activity of the at least one suspicious account at one or more locations identified by corresponding points on the geographic map, the activity characterizing data associated with;
one or more transactions at an automated teller machine (ATM), time of transactions, keyed transactions, and transactions for obtaining gas, or a time series plot depicting history of activities of the at least one suspicious account over a course of at least two or more of one day, one week, one month or other finite time span for one or more categories of transactions, such that side-by-side visual presentation of the history of activities for multiple time spans improves fraud detection capabilities; anddynamically displaying, by the interactive graphical user interface, one or more of the plurality of visualizations, improving fraud detection capabilities of the fraud detection computing system, by further calculating a Euclidean distance between two points on a historical timeline graph for a suspicious account, wherein a calculated Euclidian distance that is closer to a known fraud cluster than to a known non-fraud cluster provides a further indication of potential fraud.
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Specification