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System and Method Using Predicted Consumer Behavior to Reduce Use of Transaction Risk Analysis and Transaction Denials

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

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.
机译:一种用于处理交易授权请求以减少对交易风险评估的需要的设备和方法,作为授权过程的一部分。本发明既减少了支付处理器上的数据处理负担,又减少了拒绝授权的交易次数。在一些实施例中,本发明使用预测或行为建模技术来生成消费者可能参与的交易的预测。如果消费者确实参与了预测的交易,则不对该交易执行风险分析过程。

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