Visa International Service Association

Girish Ramachandran

Ratinder Bedi

Michael Tsung

Pratishtha Deep

Nazmiye Ceren Abay

Rajan Gangadharan

Martin Charles Elliott

Arshad Thekkthody Pilakoth

Tselmeg Otgonbayar Shponko

Dustin White

Systems, methods, and computer program products for detecting merchant data shifts may identify a shift in transaction volume of a merchant system across Merchant Category Codes (MCCs) using a combination of time series analysis and machine learning.

System, method, and computer program product for detecting merchant data shifts

Methods and systems are described. A method includes accessing training data samples that includes a plurality of transaction laundering associated features and generating random samples, training a first plurality of different models to identify transaction laundering merchants based on random samples generated from each of the training data samples, training a second plurality of different models to identify the transaction laundering merchants based on the training data, generating a transaction laundering classification for a merchant from each of the first plurality of models and each of the second plurality of models, generating a first model group classification based on a first majority vote on transaction laundering classifications from the first plurality of models, and generating a second model group classification based on a second majority vote on transaction laundering classifications from the second plurality of models. A likelihood that the merchant is a transaction launderer is determined.

Methods and systems for detecting transaction laundering

Growing community of inventors

Milpitas, CA, United States of America

Girish Ramachandran