Patent ID: 9704195
Date: 2017-07-11
CPC Classifications: G06Q

Claim:
1. A computer-implemented method comprising: receiving, using one or more processors, a payment instrument profile that characterizes past activity on a payment instrument used for a transaction and past activity across one or more funding accounts associated with the payment instrument, the one or more funding accounts being used to pay for the transaction in real time or subsequent to the transaction, data associated with the at least one funding account of the one or more funding accounts being removed from the payment instrument profile in favor of a new funding account when the at least one funding account is inactive, the at least one funding account being inactive when the at least one funding account is accessed at a frequency less than a threshold; computing, using the one or more processors, a probability of a selected active funding account of the one or more funding accounts being used for a financial transaction that is a part of a current activity on the payment instrument and a current activity across the one or more funding accounts; and analyzing, using the one or more processors applying a self-calibrating outlier analytics technique, the current activity on the payment instrument and the current activity across the one or more funding accounts against the probability to detect an outlier value characterizing an abnormality against the payment instrument profile.