Risk Assessment
Fraud Risk Score
12/100
Fraud Probability
9.0%
Recommended Action
Allow Transaction
AI-Generated Insight
This transaction appears completely safe and consistent with the customer's normal behavior. The amount ($67.50) is well within their typical range, it's happening at a regular shopping time (2:15 PM), from a merchant they've used 8 times before, on their primary device, and in their home city. All behavioral patterns match historical data perfectly. No risk indicators present—this is a legitimate purchase.
Key Fraud Indicators (SHAP Analysis)
Device Fingerprint Match
SHAP: -0.21Strong decrease in fraud probability
Primary device with 100% match
Transaction Amount
SHAP: -0.15Moderate decrease in fraud probability
Within normal spending range
Merchant Category
SHAP: -0.11Moderate decrease in fraud probability
Frequent merchant (8 previous purchases)
Geolocation Anomaly
SHAP: -0.08Slight decrease in fraud probability
Home city location
Transaction Details
- Merchant
- Neighborhood Grocery
- Category
- Grocery
- Amount
- $67.5
- Customer ID
- CUST-334821
- Card
- •••• 7722
- Location
- Seattle, WA
Analysis Model
XGBoost Classifier
Ensemble Method