Patent ID: 8229815

Claim:
An apparatus for determining that a group of transactions may be structured to avoid a predetermined reporting requirement, the apparatus comprising: a memory; and a processor configured to retrieve computer-executable instructions from the memory and to perform: receiving a collection of transaction activity data involving financial institution transactions; sampling the transaction activity data over a synthesized period of time by randomly grouping together component periods of time included in the synthesized period of time; receiving unsampled activity data under test that represents transactions for a first financial entity and for a second financial entity; combining the unsampled activity data for the first financial entity and the second financial entity; comparing the sampled transaction activity data to the combined unsampled activity data under test to determine a likelihood that the unsampled activity data under test is occurring randomly; and based on the likelihood, determining whether a group of transactions for different individuals and for the first financial entity and the second financial entity is structured to avoid a predetermined reporting requirement.