Average Aggregation

Spending Patterns

Calculate average spend per day, week, or month.

Transaction Frequency

Track average transactions per time period.

Anomaly Detection

Compare current transactions to historical averages.

Configuration

Parameter

Parameter	Description
Transactions	Average number of transactions
Amount (EUR)	Average spend in EUR
Amount (USD)	Average spend in USD

Average Bucket Timeframe

The period over which the average is calculated:

Bucket	Description
Per Day	Average per day
Per Week	Average per week
Per Month	Average per month

Regular Timeframe

Overall period for aggregation (based on bucket selection):

Bucket	Available Timeframes
Per Day	Days (1–365), Weeks (1–52), Months (1–12)
Per Week	Weeks (1–52), Months (1–12)
Per Month	Months (1–12)

Filter (Optional)

Narrow the average to specific conditions:

Transaction status
Merchant name or ID
Device IP or ID

Variable Name

Unique identifier (e.g., avgTransPerDay30d, avgSpendUSD1m).

Using Average in Rules

avgSpendUSD1m > 100 → Challenge
avgTransPerDay30d > 5 → Reject

Examples

Average Transactions Per Day (30 Days)

Detect unusual transaction frequency.

Type: Average
Parameter: Transactions
Filter: Transaction Status = Succeeded
Average Bucket: Per Day
Timeframe: 30 days
Variable Name: avgTransPerDay30d

Rule: transactionCount > avgTransPerDay30d → Challenge

Average Spend Per Week by Device IP

Monitor spending patterns from specific IPs.

Type: Average
Parameter: Amount (USD)
Filter:
  - Transaction Status = Succeeded
  - Device IP = Equals to Current
Average Bucket: Per Week
Timeframe: 4 weeks
Variable Name: avgSpendUSDPerWeek4w

Rule: amount > avgSpendUSDPerWeek4w → Challenge

Average Merchant Spend Per Day

Track merchant-specific spending patterns.

Type: Average
Parameter: Amount (EUR)
Filter:
  - Merchant Name = Equals to Current
  - Transaction Status = Succeeded
Average Bucket: Per Day
Timeframe: 30 days
Variable Name: avgMerchantSpendEUR30d

Rule: amount > avgMerchantSpendEUR30d → Challenge

Average Transactions Per Week by Device

Identify unusual device activity.

Type: Average
Parameter: Transactions
Filter:
  - Computed Device ID = Equals to Current
  - Transaction Status = Succeeded
Average Bucket: Per Week
Timeframe: 3 months
Variable Name: avgTransPerWeek3m

Rule: transactionCount > avgTransPerWeek3m → Challenge

Average Monthly Spend (6 Months)

Long-term spending behaviour.

Type: Average
Parameter: Amount (USD)
Filter: None
Average Bucket: Per Month
Timeframe: 6 months
Variable Name: avgSpendUSD6m

Rule: amount > avgSpendUSD6m → Challenge

How It Works

sequenceDiagram
    participant Card
    participant Aggregation as Aggregation Engine
    participant Rule as Conditional Rule

    Note over Card,Rule: 7-day period, averaging per day

    Card->>Aggregation: Transaction 1: €100 (Day 1)
    Aggregation-->>Aggregation: avgSpend = €0 (no prior)
    Aggregation->>Rule: amount > avg? (Yes, challenge)

    Card->>Aggregation: Transaction 2: €80 (Day 1)
    Aggregation-->>Aggregation: avgSpend = €100
    Aggregation->>Rule: amount > avg? (No, accept)

    Card->>Aggregation: Transaction 3: €200 (Day 2)
    Aggregation-->>Aggregation: avgSpend = €90
    Aggregation->>Rule: amount > avg? (Yes, challenge)

The average is calculated from prior transactions, excluding the current one.

Getting Started

Navigate to Risk Profiles → select or create a profile

Click + under "User Defined Variables"
Select Average aggregation type
Configure Parameter, Bucket, Timeframe, and Variable Name

Use in a Conditional Rule

Related Aggregations

Count – Count transactions or days
Sum – Total transaction amounts
Standard Deviation – Measure variability