Patent ID: 7788195

Claim:
A computer-implemented method for building a system of predictive models to predict credit card or debit card fraud, comprising: receiving, using one or more processors, training data including data items from a plurality of accounts; training a first predictive model using the received training data; using a partitioning criterion to determine how to partition the training data into partitions, wherein the partitioning criterion is based upon a fraud ranking violation metric; partitioning the training data into partitions, wherein partitioning includes weighting data items contained in the training data differently based upon how well a data item learns during the training of the first predictive model; and training additional predictive models using at least one of the partitions of training data in order to generate a second predictive model, wherein training of the additional predictive models optimizes the fraud ranking violation metric, and wherein the first and second predictive models are combined and used to predict credit card or debit card fraud.