US Patent 10115111 Modeling users for fraud detection and analysis

Systems and methods are provided for predicting expected behavior of a user in an account. The systems and methods automatically generate a causal model corresponding to a user. The systems and methods estimate a plurality of components of the causal model using event parameters of a first set of events undertaken by the user in an account of the user. The systems and methods predict expected behavior of the user during a second set of events using the causal model.