METHODS AND SYSTEMS FOR CATEGORIZING PAYMENT CARDS FOR FRAUD PREVENTION

원문 (중국어)

Methods and server systems for categorizing payment cards for fraud prevention are described herein. Method performed by a server system includes accessing a card candidate set including relevant payment card(s), each payment card of the relevant payment card(s) being associated with multiple features. Method includes segregating the features into a set of risk-related features and a set of transactional features. Method further includes generating, by Machine Learning (ML) model(s), a riskiness score for each payment card based on the set of risk-related features. Method includes performing for each payment card: assigning a risk category based on the riskiness score and risk categorization criteria, and assigning a transactional category based on the set of transactional features and transaction behavior criteria. Method includes generating a recommendation message for an issuer based on the risk category and the transactional category.