Fraud detection based on an analysis of messages in a messaging account

Patent metadata

Field	Value
Publication number	US-11205180-B2
Application number	US-202016949290-A
Country	US
Kind code	B2
Filing date	Oct 23, 2020
Priority date	Jan 7, 2019
Publication date	Dec 21, 2021
Grant date	Dec 21, 2021

Abstract

A device may obtain a notification that a transaction occurred, where the transaction is associated with a financial account of a user, and a merchant. The device may determine that the merchant is associated with providing confirmation messages for transactions, and may process, based on determining that the merchant is associated with providing confirmation messages, one or more messages in a messaging account associated with the user to determine whether the messaging account includes a confirmation message associated with the transaction. The device may determine that the messaging account does not include any confirmation message associated with the transaction, may determine a likelihood that the transaction was unauthorized based on the messaging account not including a confirmation message, and may perform an action associated with the financial account of the user based on the likelihood that the transaction was unauthorized.

First claim

What is claimed is:

1. A method, comprising:
obtaining, by a device, historical confirmation messages that include information confirming historical transactions;
processing, by the device and using at least one processing technique, the historical confirmation messages,
the at least one processing technique including one or more of:
an image processing technique that comprises at least one of:
an optical character recognition technique, or
a computer vision technique,

a text processing technique that comprises a natural language processing technique, or
a code processing technique that comprises analyzing computer code associated with the historical confirmation messages;

obtaining, by the device and based on processing the historical confirmation messages, data associated with identifying the historical confirmation messages; and
training, by the device and based on a result of processing the historical confirmation messages, a message analysis model to determine a score that indicates a likelihood that a message includes a transaction confirmation.

2. The method of claim 1 , wherein obtaining the historical confirmation messages comprises:
obtaining the historical confirmation messages from a plurality of messaging accounts associated with a plurality of users.

3. The method of claim 1 , wherein the data associated with identifying the historical confirmation messages comprises a term, a phrase, a logo, or a symbol included in at least one of the historical confirmation messages.

4. The method of claim 1 , wherein the data associated with identifying the historical confirmation messages comprises an image of a body of the at least one of the historical confirmation messages.

5. The method of claim 1 , wherein training the message analysis model further comprises:
training the message analysis model further based on one or more parameters associated with the historical confirmation messages, the one or more parameters including at least one of:
a message format parameter,
a message image parameter,
a message text field parameter,
a merchant parameter,
a message type parameter, or
a message attachment parameter.

6. The method of claim 1 , further comprising:
obtaining, from a user messaging account, a candidate confirmation message;
determining, using the message analysis model, whether the candidate confirmation message includes information confirming a transaction; and
performing an action based on a result of determining whether the candidate confirmation message includes information confirming the transaction, the action comprising:
freezing a user financial account associated with the user messaging account.

7. The method of claim 1 , wherein the historical confirmation messages include one or more of:
an email message,
a text message, or
an electronic instant message.

8. A device, comprising:
one or more memories; and
one or more processors, communicatively coupled to the one or more memories, configured to:
obtain historical confirmation messages that include information confirming historical transactions;
process, using at least one processing technique, the historical confirmation messages,
the at least one processing technique including one or more of:
an image processing technique that comprises at least one of:
 an optical character recognition technique, or
 a computer vision technique,
a text processing technique that comprises a natural language processing technique, or
a code processing technique that comprises analyzing computer code associated with the historical confirmation messages;

generate, based on processing the historical confirmation messages, data associated with identifying the historical confirmation messages; and
train, based on a result of processing the historical confirmation messages, a message analysis model to determine a score that indicates a likelihood that a message includes a transaction confirmation.

9. The device of claim 8 , wherein the one or more processors, when obtaining the historical confirmation messages, are configured to:
obtain the historical confirmation messages from a plurality of messaging accounts associated with a plurality of users.

10. The device of claim 8 , wherein the data associated with identifying the historical confirmation messages comprises a term, a phrase, a logo, or a symbol included in at least one of the historical confirmation messages.

11. The device of claim 8 , wherein the data associated with identifying the historical confirmation messages comprises an image of a body of the at least one of the historical confirmation messages.

12. The device of claim 8 , wherein the one or more processors, when training the message analysis model, are configured to:
train the message analysis model further based on one or more parameters associated with the historical confirmation messages, the one or more parameters including at least one of:
a message format parameter,
a message image parameter,
a message text field parameter,
a merchant parameter,
a message type parameter, or
a message attachment parameter.

13. The device of claim 8 , wherein the one or more processors are further configured to:
obtain, from a user messaging account, a candidate confirmation message;
determine, using the message analysis model, whether the candidate confirmation message includes information confirming a transaction; and
transmit a notification to another device,
the notification being based on, and including information identifying, a result of determining whether the candidate confirmation message includes information confirming the transaction.

14. The device of claim 8 , wherein the historical confirmation messages include one or more of:
an email message,
a text message, or
an electronic instant message.

15. A non-transitory computer-readable medium storing a set of instructions, the set of instructions comprising:
one or more instructions that, when executed by one or more processors of a device, cause the device to:
obtain historical confirmation messages that include information confirming historical transactions;
process, using at least one processing technique, the historical confirmation messages,
the at least one processing technique including one or more of:
an image processing technique that comprises at least one of:
 an optical character recognition technique, or
 a computer vision technique,
a text processing technique that comprises a natural language processing technique, or
a code processing technique that comprises analyzing computer code associated with the historical confirmation messages;

obtain, based on processing the historical confirmation messages, data associated with identifying the historical confirmation messages; and
train, based on one or more parameters associated with the historical confirmation messages, a message analysis model to determine a score that indicates a likelihood that a message includes a transaction confirmation,
the one or more parameters being obtained based on a result of processing the historical confirmation messages.

16. The non-transitory computer-readable medium of claim 15 , wherein the one or more instructions, that cause the device to obtain the historical confirmation messages, cause the device to:
obtain the historical confirmation messages from a plurality of messaging accounts associated with a plurality of users.

17. The non-transitory computer-readable medium of claim 15 , wherein the data associated with identifying the historical c

Assignees

• Capital One Services Llc

Inventors

• Mossoba Michael
• Edwards Joshua
• Benkreira Abdelkadar M'Hamed

Classifications

• G06Q20/047

  using payment protocols involving electronic receipts · CPC title

• G06Q20/4016 Primary

  involving fraud or risk level assessment in transaction processing · CPC title

• G06Q20/382

  insuring higher security of transaction · CPC title

• G06Q30/06 Primary

  Buying, selling or leasing transactions · CPC title

• G06Q20/405

  Establishing or using transaction specific rules · CPC title