Patents
US 12755286 B2: Methods and systems for generating rules for unseen fraud and credit risks using artificial intelligence
- Granted
- 2026-10-06
- Filed
- 2021-05-26 application 17331029
- Type
- Utility · 18 claims
- Elsewhere
- Google Patents ↗ · USPTO patent document ↗ · USPTO Patent Center record ↗
Abstract
Embodiments provide methods and systems for detecting frauds in payment transactions made by payment instrument using spend patterns of multiple payment instruments associated with user. The method performed by server system includes accessing payment transaction data associated with a plurality of customers from a transaction database. The method includes training a first generative adversarial network (GAN) model based on the payment transaction data and a plurality of probable fraud risk conditions. The first GAN model is trained to generate simulated customer fraud behaviors. The method includes filtering, by the server system, the simulated customer fraud behaviors based on a predetermined filtering criteria. The method includes generating, by the server system, fraud risk scores for the simulated customer fraud behaviors based on a fraud risk model. The method includes extracting fraud risk rules based on a set of simulated customer fraud behaviors from the simulated customer fraud behaviors.
Source: PTBLXML, file of 2026-10-06 (ipgb20261006.xml).
Assignees
| Assignee | Type | Place | Also on furp.org | Source |
|---|---|---|---|---|
| Mastercard International Incorporated 2,394 patents | US company or organization | Purchase, NY | PTBLXML, file of 2026-10-06 |
Inventors
| Inventor | Place | Patents | Person page | Source |
|---|---|---|---|---|
| Anubha Pandey | Bikaner, IN | PTBLXML, file of 2026-10-06 | ||
| Shiv Markam | Mandla, IN | 4 | PTBLXML, file of 2026-10-06 | |
| Harsimran Bhasin | Delhi, IN | PTBLXML, file of 2026-10-06 | ||
| Deepak Bhatt | Dehradun, IN | 6 | PTBLXML, file of 2026-10-06 |
CPC categories
| Subclass | Category | First group | Source |
|---|---|---|---|
| G06Q | Information and communication technology [ict] specially adapted for administrative, commercial, financial, managerial or supervisory purposes; systems or methods specially adapted for administrative, commercial, financial, managerial or supervisory purposes, not otherwise provided for | G06Q20/4016 | PTBLXML, file of 2026-10-06 |
| G06N | Computing arrangements based on specific computational models | G06N3/045 | PTBLXML, file of 2026-10-06 |
Cooperative Patent Classification, as currently assigned (one row per subclass).
Assignments and security interests
No recorded assignments or security interests on file for this patent.
USPTO bulk data: PatentsView granted patents, disambiguated (PVGPATDIS) for patents, assignees, inventors, places and CPC categories; the USPTO Patent Assignment Dataset (ECORSEXC) for assignments and security interests. Patents filed in the last 20 years. No claims or full text. Links to other records are by name (and state): EXACT means the identical full name and state; FUZZY means a looser name match, with the confidence shown.