Patent ID: 11954688
Assignee: BOTTOMLINE TECHNOLOGIES, INC.
Field: Computer technology (Electrical engineering)
Classification: CPC G | IPC G

Claim 19:
20. An apparatus comprising:
a p-monitor;
a rail transceiver, the p-monitor connected to the rail transceiver, the rail transceiver configured to monitor a rail for a new transaction and provide the new transaction to the p-monitor;
a data store connected to the p-monitor, the data store containing historical data and a draft rule set;
the p-monitor including:
a means for creating a matrix of each rule in the draft rule set for each historical transaction in the historical data;
a means for solving the matrix for each rule score using linear programming, said rule scores used to form a model rule set;
a means for producing a new transaction score by applying data from the new transaction to the model rule set; and
if the new transaction score exceeds a threshold, indicate that the new transaction is fraudulent.