A method for minimizing merchant data breach damage depends on computers and
financial networks to carry out its steps. Every payment card transaction witnessed each day …

Provided are artificial-intelligence based, electronic computer implemented processes and
systems of analyzing credit risk and/or predicting default to an institution by an entity having …

Real, low-risk users have webpage click navigation behav iors that are assumed to be very
different than those of fraudsters. Individual user devices are distinguished from others by …

Some embodiments of the invention provide a framework for simulating the operation of a
blockchain system. Simu lation may produce quantitative, practical estimates of how varying …

A terminal is configured to receive a transaction value from an operator, to connect with a
mobile device of a user, and to receive, from the mobile device of the user, operating data of …

(57) ABSTRACT A method of improving the training and performance of predictive models. A
first method of operating an artificial intelligence machine produces predictive model …

Apparatuses, systems, methods, and computer program products are disclosed for
aggregation based credit decisions. An apparatus includes a data module configured to …

A method of using browsing activity to identify fraudulent online or virtual applications
includes receiving a virtual application over one or more radio frequency links, determining …

A computer-implemented method for real-time transaction fraud vetting, including: receiving
a transaction record including real-time transaction data and a key identifying a transacting …

A method that improves the training of predictive models. Better trained predictive models
make better predictions, and can classify transactions with reduced levels of false positives …