Erkennung Betrügerischer Händler

Details

Veröffentlichungs-Nr.

EP4819016

Anmeldetag

4. April 2025

Veröffentlichung

7. Oktober 2026

Rechtsraum

EP

IPC

G06Q20/40

Abstract

The present invention provides a computer implemented method for determining if a merchant account is associated with fraudulent activity. The method comprises receiving (601) data relating to a fraudulent merchant account, determining (603) a total amount in funds returned to one or more customer accounts due to one or more disputed transactions between the merchant account and the one or more customer accounts within a predetermined period of time, and a total amount in funds received by the merchant account within the predetermined period of time, and determining (605) a ratio of these two values. The method further comprises labelling (609) the ratio value as indicating that the merchant account is associated with fraudulent activity and inputting (611), into a machine learning model, the labelled ratio value to train the machine learning model to predict fraudulent activity based on the ratio.

Anmelder

Firma

Mastercard International, Inc.

Land

🇺🇸 USA

Fachgebiete