A method for solving a business problem includes pooling transaction data received from a plurality of subscribers over a network, the transaction data including samples of fraudulent transactions. A data mining algorithm is then applied to the pooled transaction data, resulting in a predictive model that detects a fraudulent transaction. The predictive model is then provided to the subscribers in exchange for a subscription fee. It is emphasized that this abstract is provided to comply with the rules requiring an abstract that will allow a searcher or other reader to quickly ascertain the subject matter of the technical disclosure. It is submitted with the understanding that it will not be used to interpret or limit the scope or meaning of the claims. 37 CFR 1.72(b).