Patent Document ID: 10068235
Application ID: 15182033
Patent Flag: 1

Claim One:
1. A method performed by one or more computers of a transaction processing system, the method comprising: receiving transaction data at the one or more computers of the transaction processing system, the transaction data being associated with purchase transactions, at least a portion of the transaction data being received from point-of-sale (POS) devices associated with merchant accounts; storing at least a portion of the transaction data as historical transaction data; compiling training data, the training data comprising (a) the historical transaction data and (b) an indication, for each historical purchase transaction of multiple historical purchase transactions, of whether the historical purchase transaction was fraudulent; analyzing the training data to create a predictive model that is responsive to the transaction data to indicate probabilities of the purchase transactions being fraudulent, wherein the probability of a given purchase transaction being above a probability threshold indicates that the given purchase transaction will be subject to manual transaction review by a human analyst; analyzing the transaction data over a period of time using the predictive model to initiate a first number of manual transaction reviews, wherein the manual purchase transaction reviews result in an observed freeze ratio, the observed freeze ratio comprising a ratio of (a) a second number of the manual transaction reviews that result in freezing a merchant account to (b) the first number; determining a difference between the observed freeze ratio and a target freeze ratio; and adjusting the probability threshold to decrease the difference between the observed freeze ratio and the target freeze ratio.