Fingerprinting account activity habits in order to discover fraudulent usage
Methods, systems, apparatuses, and computer program products for discovering fraudulent account usage are disclosed. In an example, a database is queried to identify a list of accounts and transaction categories. A first table is generated based on the transaction categories. A second table is generated by populating the first table based on a response to querying the database for a first set of historical transactions over a first period of time. A third table is generated by populating the first table based on a response to querying the database for a second set of historical transactions over a second period of time. A measure of similarity for each of the accounts is generated based on the second table and the third table. For each account with a corresponding measure of similarity below a threshold, the account is identified as a fraudulent account candidate.
1. A computing system for discovering fraudulent account usage, comprising:
at least one memory device that store executable program code; and
a processing system, comprising at least one processor, configured to receive and execute the program code to:
query a database to identify a list of accounts and transaction categories, the database comprising a history of transactions associated with each of the accounts;
generate a first table based on the transaction categories, the first table comprising an account identifier corresponding to each account in the list of accounts;
generate a second table by populating the first table with a first set of historical transactions associated with each of the account identifiers across each of the transaction categories over a first period of time;
generate a third table by populating the first table based at least on a response to querying the database for a second set of historical transactions associated with each of the account identifiers across each of the transaction categories over a second period of time;
for each of the account identifiers, generate a measure of similarity between the first set of historical transactions in the first table associated with the account identifier and the second set of historical transactions associated with the account identifier in the third table; and
for each account identifier with a corresponding measure of similarity below a threshold value, identify the account identifier as a fraudulent account candidate.
2. The computing system of claim 1 , wherein the transaction categories are aggregated from a list of drug classifications and drug names,
wherein the list of accounts comprises a list of drug prescriber accounts, and
wherein the historical transactions comprise prescriptions associated with one or more of the list of drug prescriber accounts.
3. The computing system of claim 1 , wherein the second time period is shorter than and non-overlapping with the first time period.
4. The computing system of claim 1 , wherein the second set of historical transactions comprises transactions that occurred over a plurality of days.
5. The computing system of claim 1 , wherein the processing system is further configured to execute the program code to:
update the second table to include information corresponding to the second set of historical transactions after passage of the second time period.
6. The computing system of claim 5 , wherein the processing system is further configured to execute the program code to:
update the second table to remove information corresponding to an oldest set of transactions.
7. The computing system of claim 1 , wherein the processing system is further configured to execute the program code to:
for at least one account identifier identified as a fraudulent account candidate, query the database for additional information associated therewith;
based on the additional information, assign a ranking to the at least one account identifier, the ranking indicative of a severity of a fraudulent usage prediction; and
generate an indication associated with the at least one account identifier based at least on the ranking.
8. The computing system of claim 1 , wherein the processing system is further configured to execute the program code to:
deactivate at least one account associated with the fraudulent account identifier identified as a fraudulent account candidate based at least on the measure of similarity associated therewith.
9. A method performed by a computing system for discovering fraudulent account usage, comprising:
querying a database to identify a list of accounts and transaction categories, the database comprising a history of transactions associated with each of the accounts;
generating a first table based on the transaction categories, the first table comprising an account identifier corresponding to each account in the list of accounts;
generating a second table by populating the first table with a first set of historical transactions associated with each of the account identifiers across each of the transaction categories over a first period of time;
generating a third table by populating the first table based at least on a response to querying the database for a second set of historical transactions associated with each of the account identifiers across each of the transaction categories over a second period of time;
for each of the account identifiers, generating a measure of similarity between the first set of historical transactions in the first table associated with the account identifier and the second set of historical transactions associated with the account identifier in the third table; and
for each account identifier with a corresponding measure of similarity below a threshold value, identifying the account identifier as a fraudulent account candidate.
10. The method of claim 9 , wherein the transaction categories are aggregated from a list of drug classifications and drug names,
wherein the list of accounts comprises a list of drug prescriber accounts, and
wherein the historical transactions comprise prescriptions associated with one or more of the list of drug prescriber accounts.
11. The method of claim 9 , wherein the second time period is shorter than and non-overlapping with the first time period.
12. The method of claim 9 , further comprising:
updating the second table to include information corresponding to the second set of historical transactions after passage of the second time period.
13. The method of claim 12 , further comprising:
updating the second table to remove information corresponding to an oldest set of transactions.
14. The method of claim 9 , further comprising:
for at least one account identifier identified as a fraudulent account candidate, querying the database for additional information associated therewith;
based on the additional information, assigning a ranking to the at least one account identifier, the ranking indicative of a severity of a fraudulent usage prediction; and
generating an indication associated with the at least one account identifier based at least on the ranking.
15. The method of claim 9 , further comprising:
deactivating at least one account identifier identified as a fraudulent account candidate based at least on the measure of similarity associated therewith.
16. A computer-readable storage medium having program instructions encoded thereon that are executable by one or more processors to perform a computer-implemented method, the method comprising:
querying a database to identify a list of accounts and transaction categories, the database comprising a history of transactions associated with each of the accounts;
generating a first table based on the transaction categories, the first table comprising an account identifier corresponding to each account in the list of accounts;
generating a second table by populating the first table with a first set of historical transactions associated with each of the account identifiers across each of the transaction categories over a first period of time;
generating a third table by populating the first table based at least on a response to querying the database for a second set of historical transactions associated with each of the account identifiers across each of the transaction categories over a second period of time;
for each of the account identifiers, generating a measure of similarity between the first set of historical transactions in the first table associated with the account identifier and the second set of historical transactions associated with the account identifier in the third table; and
for each account identifier with a corresponding measure of similarity below a threshold value, identifying the account identifier as a fraudulent account candidate.
17. The computer-readable storage medium of claim 16 , wherein the transaction categories are aggregated from a list of drug classifications and drug names,
wherein the list of accounts comprises a list of drug prescriber accounts, and
wherein the historical transactions comprise prescriptions associated with one or more of the list of drug prescriber accounts.
18. The computer-readable storage medium of claim 16 , wherein the method further comprises:
updating the second table to include information corresponding to the second set of historical transactions after passage of the second time period.
19. The computer-readable storage medium of claim 18 , wherein the method further comprises:
updating the second table to remove information corresponding to an oldest set of transactions.
20. The computer-readable storage medium of claim 16 , wherein the method further comprises:
for at least one account identifier identified as a fraudulent account candidate, querying the database for additional information associated therewith;
based on the additional information, assigning a ranking to the at least one account identifier, the ranking indicative of a severity of a fraudulent usage prediction; and
generating an indication associated with the at least one account identifier based at least on the ranking.