Patent Document ID: 20130018796
Application ID: 13549492
Patent Flag: 0

Claim One:
1. A computer-implemented method for detecting electronic payment card money laundering, the method performed by at least one software component executing on at least one processor, comprising: receiving real-time payment card transaction data from ingress channels and an egress channels of at least one payment card system through a first application programming interface (API); generating transactional profiles for each of at least payment cards, the ingress channel, the egress channels, and funding sources of the payment cards, wherein a first type of transactional profile include a first profile comprising a network graph of links between the ingress channels, the egress channels, the payment cards, and any users of the payment cards and geo-location identities associated with the payment cards; in response to receiving transaction data for a current payment card transaction, evaluating the transaction data using a predictive algorithm that compare the transaction data to the transactional profiles to calculate a probabilistic money laundering score for the current transaction; evaluating the probabilistic money laundering score and the current transaction data based on a set of rules to generate a suspicious activity report that recommends whether to approve or report the current transaction; and transmitting the suspicious activity report back to the payment card system and transmitting the suspicious activity report to an identified regulatory body.