Patent ID: 7815106

Claim:
A fraud detection method performed by a computer having a processor, comprising: collecting, by the processor, a plurality of transaction records containing transaction information about transactions performed by an individual across different business applications, the transaction information having different formats; normalizing, by the processor, the transaction information to a consistent format; determining, by the processor and based on the normalized transaction information, a transaction rule defining a characteristic of a typical transaction by the individual general to all the business applications; generating, by the processor and based on the normalized transaction information, a user profile for the individual, the user profile including the transaction rule; receiving, by the processor, information about new transactions associated with the individual in the different business applications; determining, by the processor and based on the new transaction information, characteristics of the new transactions; comparing, by the processor, the characteristics of the new transactions to the transaction rule; determining, by the processor and based on the comparison, whether the new transactions constitute an anomaly for the individual; and sending an alert based on a result of the determination.