ALEXANDRIA, Va., Aug. 12 -- United States Patent no. 12,705,631, issued on Aug. 11, was assigned to PayPal Inc. (San Jose, Calif.).
"Detecting fraud using machine-learning" was invented by Yuan Deng (Singapore) and Yanfei Dong (Singapore).
According to the abstract* released by the U.S. Patent & Trademark Office: "A fraud detection model is used by a computer system to evaluate whether to grant a request to access a secure electronic resource. Before granting the request, the computer system evaluates the request using a multi-partite graph model generated using a plurality of previous requests. The multi-partite graph model includes at least a first set of nodes for sender accounts, a second set of nodes for recipient accounts, and a thi...