{
  "patent_number": "US 12737766",
  "country": "US",
  "title": "How a Smart System Organizes Fraud Detection Using Machine Learning",
  "original_title": "System and method for a workflow orchestration platform for fraud detection",
  "summary": "This patent describes a system that uses machine learning to analyze past transactions, group similar ones, and then automatically pick the best tool or service to check for fraud within those groups.",
  "what_it_does": "The system acts as a smart organizer for fraud detection. It starts by taking in lots of past transaction information, called \"historical transaction data.\" This data is then used to teach a \"machine learning algorithm\" how to spot patterns. Based on various details or \"attributes\" from these past transactions, the algorithm sorts them into groups, or \"clusters.\" For each cluster, the system figures out which specialized tool or \"backing application\" (like an identity verification service or a specific fraud risk service) would be best to check for fraudulent activity. For example, if a cluster of transactions shows unusual international activity, the system might automatically route them to a backing application specialized in cross-border fraud analysis.",
  "what_it_does_not_cover": [
    "Fraud detection systems that do not use machine learning to group or \"cluster\" historical transaction data.",
    "Systems that cluster transaction data but do not then automatically identify and use specific \"backing applications\" for those clusters.",
    "Workflow orchestration platforms that are not specifically designed for the purpose of fraud detection.",
    "Fraud detection methods that do not rely on historical transaction data for training their algorithms.",
    "Systems that only use simple rule-based logic for fraud detection without machine learning analysis."
  ],
  "filed": "2024-08-12",
  "granted": "2026-09-15",
  "expires": null,
  "status": "active",
  "holder": null,
  "holder_url": null,
  "inventors": [],
  "times_cited": 0,
  "tags": [
    "software",
    "ai_ml",
    "finance",
    "ecommerce",
    "telecommunications"
  ],
  "abstract": "Embodiments of a decision analytics system with a workflow orchestration system is described herein. The decision analytics system can receive historical transaction data that can be used to train a machine learning algorithm of the workflow orchestration system. Based on one or more attributes associated with the historical transaction data, the machine learning algorithm can generate clusters of the historical transaction data and identify a backing application (for example, identity or fraud risk services) for the clusters for identifying fraudulent or potentially fraudulent transactions.",
  "url": "https://patentbrief.org/patent/us/12737766/system-and-method-for-a-workflow-orchestration-platform-for-fraud-detection",
  "markdown_url": "https://patentbrief.org/patent/us/12737766/system-and-method-for-a-workflow-orchestration-platform-for-fraud-detection/md",
  "google_patents_url": "https://patents.google.com/patent/US12737766",
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