You probably have gotten a call or email from your credit card issuer asking if you made a particular transaction. Ever wonder what triggered it? Turns out it is a form of artificial intelligence called a neural network. Instead of creating general rules about what transactions are likely to be fraudulent, a neural network just looks at all your transactions and figures out your very own individual pattern of usage. If a new transaction is significantly out of pattern, that’s when you get the call or the email.