Abstract: A method for detecting merchant category code (MCC) shift behavior is disclosed. A target merchant operating in one or more industries is identified, and a peer set of merchants that operate in the same industries as the target merchant is determined. A first dataset D1 and a second dataset D2 is received. One or more merchant consistency ratios using the first dataset D1 and the second dataset D2 is calculated. An industry ratio for each of the industries and a MCC ratio for the one or more merchants is calculated using the second dataset D2. Whether the target merchant exhibits MCC shift behavior is determined by comparing the merchant consistency ratios to a first threshold, comparing each industry ratio to a second threshold, and comparing the MCC ratio to a third threshold. In response to a determination that the target merchant exhibits MCC shift behavior, an alert is communicated.

Abstract: A method for detecting merchant category code (MCC) shift behavior is disclosed. A target merchant operating in one or more industries may be identified, and a peer set of merchants that operate in the same industries as the target merchant may be determined. A first dataset D1 and a second dataset D2 may be received. One or more merchant consistency ratios using the first dataset D1 and the second dataset D2 may be calculated. An industry ratio for each of the industries and a MCC ratio for the one or more merchants may be calculated using the second dataset D2. Whether the target merchant exhibits MCC shift behavior may be determined by comparing the merchant consistency ratios to a first threshold, comparing each industry ratio to a second threshold, and comparing the MCC ratio to a third threshold. In response to a determination that the target merchant exhibits MCC shift behavior, an alert is communicated.

Abstract: The present disclosure is related to a field of data analytics using machine learning techniques that discloses system, and a computer implemented method for detecting peers of a client entity in real-time. A peer analyzing system retrieves and shortlists target entities based on transaction data related to target entities and input data received from client entity. Further, the peer analyzing system may generate a plurality of clusters of the shortlisted entities by applying a predefined cluster compliance rule. Furthermore, a query point of plurality of parameters of transaction data for each of the plurality of clusters may be determined based on normalized values of corresponding plurality of parameters determined for the client entity. Further, the peer analyzing system may determine peers of the client entity based on relevance score and proximity score determined for each of the plurality of clusters based on the query point and normalized values of the plurality of parameters.

Abstract: A method for detecting debit PIN routing may include receiving a first dataset and a second dataset for a merchant during a first time period. The first dataset may include credit transaction amount and the second dataset may include debit PIN transaction amount for the merchant during the first time period. A first ratio and a second ratio using the first dataset may be determined, and a third ratio and a fourth ratio using the second dataset may be determined. A first threshold value and a second threshold value using the first dataset may be calculated. Once the first, second, third and fourth ratios and the first and second threshold values are calculated, debit PIN routing behavior may be determined by comparing the first ratio to the first threshold value and comparing the second ratio to the second threshold value.

Abstract: A system of human capital management is provided for implementing a plurality of integrated interfaces for the creation, management, delegation, tracking and monitoring of development plans for one or more individuals. A method is also provided for managing human capital by managing the developmental needs of an individual. This novel method includes defining a plurality of developmental needs (e.g., goals, conditions and tasks) to be achieved or completed by an individual, consolidating the developmental needs into a development plan specific to the user and tracking the progress of the individual with respect to the development plan in a single integrated application.