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System and Method Using Predicted Consumer Behavior to Reduce Use of Transaction Risk Analysis and Transaction Denials
System and Method Using Predicted Consumer Behavior to Reduce Use of Transaction Risk Analysis and Transaction Denials
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机译:使用预测的消费者行为减少交易风险分析和交易拒绝的使用的系统和方法
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摘要
An apparatus and method for processing a transaction authorization request to reduce the need for a transaction risk assessment as part of the authorization process. The invention reduces both the data processing burden on the payment processor and the number of transactions for which authorization is denied. In some embodiments, the invention uses predictive or behavior modeling techniques to generate predictions of the transactions the consumer may engage in. If the consumer does engage in a predicted transaction, then a risk analysis process is not performed for that transaction.
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