Abstract: There are provided systems and methods for optimizing training data generation from real-time prediction systems for intelligent model training. A service provider, such as an electronic transaction processor for digital transactions, may utilize different computing environment and services that implement machine learning models and engines. The service provider may have a live adjudication environment where models use live data to adjudicate on requests by users, as well as an audit environment where models are trained and tested before deployment. Models may have directed graphs that designate the model dependencies on variables that are processed and values for those variables are used for an output. When variables are shared between models in the adjudication and audit environment, the values for the shared variables may be published to the audit computing environment for use without reloading and processing data, thereby reducing computational load from the audit environment.

Abstract: This application discusses identifying data processing timeouts in live risk analysis systems. A service provider, such as an electronic transaction processor, may provide a production computing environment that includes a risk analysis system having one or more risk models, which may be machine-learning based. These risk models may be utilized in order to determine whether incoming data processing requests are fraudulent. To test these risk models using production data traffic, an audit computing environment made of a set of machines that do not service production computing environment requests, but that utilize databases and data connections as are used by the production systems. The audit computing environment may thus mirror the risk models and functionality of the production computing environment without the drawbacks of a typical fully separate testing environment.

Abstract: Techniques are disclosed for time constrained electronic request evaluation. A server system receives, from a computing device, a request submitted via an account, including a first set of characteristics associated with the request. The system executes a first machine-learning model to determine a first risk score for the request by inputting the first set of characteristics into the first model. The system generates an initial authentication decision for the request based on the first score and sends the decision to the device. The system executes a second, different machine-learning model to determine a second risk score for the request, by inputting the first set of characteristics and a second, different set of characteristics associated with the account into the second model. Based on the second score, the system determines a final authentication decision. The disclosed techniques may advantageously improve computer security and operations via identification of malicious electronic requests.

Abstract: This application discusses identifying data processing timeouts in live risk analysis systems. A service provider, such as an electronic transaction processor, may provide a production computing environment that includes a risk analysis system having one or more risk models, which may be machine-learning based. These risk models may be utilized in order to determine whether incoming data processing requests are fraudulent. To test these risk models using production data traffic, an audit computing environment made of a set of machines that do not service production computing environment requests, but that utilize databases and data connections as are used by the production systems. The audit computing environment may thus mirror the risk models and functionality of the production computing environment without the drawbacks of a typical fully separate testing environment.