Abstract
The real-time risk decisioning systems can encounter a trade-off between the high cost and latency of certain accurate analytical systems and the speed of simpler, deterministic rules, as some escalation methods may not account for the financial context of individual transactions. A disclosed technology provides a multi-tier risk decisioning system managed by a predictive, cost-benefit routing engine. This engine can calculate an expected return on investment for a transaction before escalating it to a more computationally expensive analytical tier. Escalation may proceed if the potential financial benefit of a more accurate decision is determined to outweigh the operational cost of the subsequent analysis. This method can facilitate a more efficient allocation of computational resources by applying intensive analysis to high-value or high-risk cases, which may aid in optimizing for economic outcomes in addition to statistical accuracy.
Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 License.
Recommended Citation
Mitra, Subhadip; Hudson, Kerrie; and Ravikumar, Archanaa, "Predictive Cost-Benefit Routing for Multi-Tier Risk Decisioning Systems", Technical Disclosure Commons, (January 12, 2026)
https://www.tdcommons.org/dpubs_series/9181