Importance

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Abstract

A fraud score for a transaction in connection with an account is computed from retrieved data to indicate a probability of the account being in a compromised condition. A travel score is computed, wherein the computed travel score indicates a likelihood that a user of the account is traveling from a user home location at the time of the received transaction. A self-similarity score may be computed if the computed fraud score is above a predetermined threshold to indicate similarity of the received transaction to other transactions of the account in the set of prior transactions. A suggested action is determined, based on a fraud decisioning operation (and optionally the self-similarity score) and a travel decisioning operation using the fraud score and travel score, respectively.

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First Claim