公开(公告)号：US20240152924A1

公开(公告)日：2024-05-09

申请号：US17980907

申请日：2022-11-04

Applicant: STRIPE, INC.

Inventor： Arash Rai ,  Ryan Drapeau

IPC: G06Q20/40

CPC classification number: G06Q20/4016 ,  G06Q20/407 ,  G06Q20/34

Abstract: Systems and methods for smart remediation of transactions are disclosed. A payment processing system receives information of a first transaction with a merchant. The system approves the first transaction and identifies a monitoring period which may be a set amount of time after the approval of the first transaction. The system collects data of one or more second transactions during the monitoring period, and provides the data to a machine learning model. The machine learning model determines a first fraud score indicative of fraud for the first transaction. A fraud threshold may be identified based on one or more merchant profiles. If the first fraud score is above the first fraud threshold, a refund may be provided for the first transaction.