公开(公告)号：US20180218369A1

公开(公告)日：2018-08-02

申请号：US15422410

申请日：2017-02-01

Applicant: GOOGLE INC.

Inventor： Bingjun Xiao ,  Yuxing Zhang ,  Haichun Chen

IPC: G06Q20/40

CPC classification number: G06Q20/4016 ,  G06Q20/00 ,  G06Q20/12 ,  G06Q20/20

Abstract: A processing system processes transactions between users and merchant systems. The processing system extracts, for a group of transactions, features from each user transaction and generates, for each feature, a feature vector representing each transaction of the group of transactions. The processing system computes, for each feature vector shared between transactions, a similarity between each transaction and all other transactions of the group of transactions. The processing system clusters the transactions represented by the feature vectors via a hierarchical clustering algorithm based on the similarity values. The processing system, for each cluster of transactions, determines a volume of the cluster over time. For each cluster, the payment processing system determines whether the change in the volume of the cluster over time is anomalous or normal. If a cluster experienced anomalous growth, the payment processing system identifies the cluster as a potential new fraudulent transaction pattern.