Patent ID: 11972430
Assignee: BRIGHTERION, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 10:
11. A computer program comprising instructions to perform the following steps, when executed by one or more processors:
compare contents of at least one data field of a transaction record against a corresponding profile of a smart agent, the profile including long-term and real-time profiles and comprising a representation of historical data of a corresponding transactional entity, with the real-time profile excluding historical data aged beyond a pre-determined time period;
generate a first output based on a result of the comparison, the first output including an exception if the comparison result exceeds a corresponding threshold, process the contents of at least one data field of the transaction record via a classification model to generate a second output, the classification model being constructed according to one or more of: data mining logic, a neural network, case-based-reasoning, clustering, fuzzy logic, a genetic algorithm, a decision tree, and business rules;
analyze the first output and the second output to generate a fraud score, including by adjusting the fraud score based on any generated exceptions;
receive feedback relating to accuracy of the fraud score;
re-train the classification model based on the feedback; and
update the long-term and real-time profiles based on the feedback,
wherein the computer program is configured to process future transaction records using the re-trained classification model and the updated long-term and real-time profiles.