Patent ID: 11875355
Assignee: BRIGHTERION, INC.
Field: Digital communication (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 3:
4. The computer-implemented method of claim 1, further comprising—
receiving, at the one or more processors, a second transaction record including second real-time transaction data relating to a second transaction of the accountholder;
matching, via the one or more processors, the second transaction record to an updated applied fraud model of the accountholder that includes the updated plurality of long-term profiles and the artificial intelligence classifier;
incrementing, via the one or more processors, a second transaction risk for each instance in which the second transaction record reflects a real-time deviation from the one or more normal values of one of the updated plurality of long-term profiles that exceeds the corresponding threshold;
inputting, via the one or more processors, the second real-time transaction data to the artificial intelligence classifier to generate a second exception, the second real-time transaction data being input to the artificial intelligence classifier in real-time and in parallel with the incrementing of the second transaction risk;
outputting, via the one or more processors, a second fraud likelihood determination from the updated applied fraud model in real-time based at least in part on the second incremented transaction risk and the second exception; and
updating, via the one or more processors, the updated plurality of long-term profiles based on the second transaction record to generate a twice updated plurality of long-term profiles for the accountholder.