Patent ID: 11928683
Assignee: MASTERCARD TECHNOLOGIES CANADA ULC
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G  H

Claim 20:
21. The fraud prevention system of claim 1, wherein, to perform the feature encoding on the one or more categorical variables in the first matrix to generate the one or more feature encoded categorical variables, the electronic processor is further configured to translate a one-dimensional array of strings of the first matrix into a two-dimensional array of real numbers of the second matrix,
wherein the feature encoded OAO model is more precise than the OAO model by up to 15% after translating the one-dimensional array of strings of the first matrix into the two-dimensional array of real numbers of the second matrix, and wherein the feature encoded OAO model is more precise than the OAO model because the machine learning, with the second matrix, trains more efficient steps into the feature encoded OAO model towards finding an optimum of the fraud score relative to steps included in the OAO model.