公开(公告)号：US20250014052A1

公开(公告)日：2025-01-09

申请号：US18764805

申请日：2024-07-05

Applicant: THE TORONTO-DOMINION BANK

Inventor： BARNALI BHATTACHARJEE ,  DAERIAN ASHAN DILKUMAR ,  HARSHUL VARMA ,  KEVIN JOE AKAOKA ,  MICHELLE ERICA LEVINE ,  YUQIN SABRINA SUN ,  CHAD A. KOZIEL

IPC: G06Q30/018 ,  G06N5/025

Abstract: A model engine is provided for managing transactions for one or more computing devices over a network. There is provided a machine learning model trained and tested on historical transaction data including labelled fraud data, to provide a target signal indicative of a likelihood of fraud within a given transaction, generating an ensemble of decision trees. The engine further includes extracting a set of rules by traversing each tree in the ensemble of decision trees from a root node to each leaf node of the tree, each path from the root node to a particular leaf node including splitting criterion providing a rule to form a set of rules. A proactive risk management system is also provided for applying the set of rules to a new transaction and when at least one rule is met, triggering predetermined actions on at least one computing device on the network.