Peer validation for unauthorized transactions

Patent metadata

Field	Value
Publication number	US-11423405-B2
Application number	US-201916566007-A
Country	US
Kind code	B2
Filing date	Sep 10, 2019
Priority date	Sep 10, 2019
Publication date	Aug 23, 2022
Grant date	Aug 23, 2022

Abstract

A method for peer validation for unauthorized transactions includes receiving a request to validate a user performing a transaction anomaly, wherein the transaction anomaly represents a potential fraudulent financial transaction. The method, responsive to identifying one or more boundaries to search for validation users, identifies a set of validation users in the identified one or more boundaries, where each validation user from the set of validation users has the ability to visually confirm the user performing the transaction as a valid user associated with an account for the transaction anomaly. The method displays information for the valid user associated with the account for the transaction anomaly. The method, responsive to determining the user is not validated for the transaction anomaly, declines the transaction anomaly.

First claim

What is claimed is:

1. A method comprising:
receiving, by one or more processors, a request to validate a user performing an electronic transaction anomaly, wherein the electronic transaction anomaly represents a potential fraudulent financial transaction;
identifying, by one or more processors, one or more visual boundaries to search for validation users;
identifying, by one or more processors, a set of validation users in the identified one or more visual boundaries, wherein each validation user from the set of validation users has the ability to visually confirm the user performing the electronic transaction as a valid user associated with an account for the electronic transaction anomaly;
displaying, by one or more processors, information for the valid user associated with the account for the transaction anomaly;
determining whether the user is validated for the electronic transaction anomaly; and
responsive to determining the user is not validated for the electronic transaction anomaly, declining, by one or more processors, the electronic transaction anomaly.

2. The method of claim 1 , wherein declining the electronic transaction anomaly further comprises:
instructing, by one or more processors, an electronic transaction authorizer associated with a financial institution to decline the transaction anomaly; and
sending, by one or more processors, to the electronic transaction authorizer, one or more images of the user performing the electronic transaction anomaly captured by a client device associated with a validation user from the set of validation users.

3. The method of claim 2 , further comprising:
sending, by one or more processors, one or more comments provided by the validation user from the set of validation users regarding the user performing the electronic transaction anomaly.

4. The method of claim 1 , further comprising:
sending, by one or more processors, an alert to the valid user based on the electronic transaction anomaly, wherein the alert includes account information associated with the electronic transaction anomaly, a location of the electronic transaction anomaly, a time of the electronic transaction anomaly, and a statement that the user performing the electronic transaction anomaly could not be validated by the set of validation users.

5. The method of claim 1 , wherein identifying the set of validation users in the identified one or more visual boundaries further comprises:
determining, by one or more processors, whether the identified set of validation users have previously opted-in to being utilized to validate the user performing the electronic transaction anomaly; and
responsive to determining the identified set of validation users have previously opted-in to being utilized to validate the user performing the electronic transaction anomaly, determining, by one or more processors, to display the information for the valid user associated with the account for the electronic transaction anomaly.

6. The method of claim 1 , wherein information for the valid user associated with the account for the electronic transaction includes a name, a height measurement, and hair color for the valid user.

7. A computer program product comprising:
one or more computer readable storage media and program instructions stored on at least one of the one or more storage media, the program instructions comprising:
program instructions to receive, a request to validate a user performing an electronic transaction anomaly, wherein the electronic transaction anomaly represents a potential fraudulent financial transaction;
program instructions to identify one or more visual boundaries to search for validation users;
program instructions to identify a set of validation users in the identified one or more visual boundaries, wherein each validation user from the set of validation users has the ability to visually confirm the user performing the electronic transaction as a valid user associated with an account for the electronic transaction anomaly;
program instructions to display information for the valid user associated with the account for the electronic transaction anomaly;
program instructions to determine whether the user is validated for the electronic transaction anomaly; and
program instructions to, responsive to determining the user is not validated for the electronic transaction anomaly, decline the electronic transaction anomaly.

8. The computer program product of claim 7 , wherein declining the electronic transaction anomaly further comprises program instructions, stored on the one or more computer readable storage media, which when executed by a processor, cause the processor to:
instruct an electronic transaction authorizer associated with a financial institution to decline the electronic transaction anomaly; and
send to the electronic transaction authorizer, one or more images of the user performing the electronic transaction anomaly captured by a client device associated with a validation user from the set of validation users.

9. The computer program product of claim 8 , further comprising program instructions, stored on the one or more computer readable storage media, which when executed by a processor, cause the processor to:
send one or more comments provided by the validation user from the set of validation users regarding the user performing the electronic transaction anomaly.

10. The computer program product of claim 7 , further comprising program instructions, stored on the one or more computer readable storage media, which when executed by a processor, cause the processor to:
send an alert to the valid user based on the electronic transaction anomaly, wherein the alert includes account information associated with the electronic transaction anomaly, a location of the electronic transaction anomaly, a time of the electronic transaction anomaly, and a statement that the user performing the electronic transaction anomaly could not be validated by the set of validation users.

11. The computer program product of claim 7 , wherein identifying a set of validation users in the identified one or more visual boundaries further comprises further comprises program instructions, stored on the one or more computer readable storage media, which when executed by a processor, cause the processor to:
determine whether the identified set of validation users have previously opted-in to being utilized to validate the user performing the electronic transaction anomaly; and
responsive to determining the identified set of validation users have previously opted-in to being utilized to validate the user performing the electronic transaction anomaly, determine to display the information for the valid user associated with the account for the electronic transaction anomaly.

12. The computer program product of claim 7 , wherein information for the valid user associated with the account for the electronic transaction includes a name, a height measurement, and hair color for the valid user.

13. A computer system comprising:
one or more computer processors;
one or more computer readable storage media; and
program instructions stored on the computer readable storage media for execution by at least one of the one or more computer processors, the program instructions comprising:
program instructions to receive, a request to validate a user performing an electronic transaction anomaly, wherein the electronic transaction anomaly represents a potential fraudulent financial transaction;
program instructions to identify one or more visual boundaries to search for validation users;
program instructions to identify a set of validation users

Assignees

• IBM

Inventors

• Whitney Michael J
• Nolan Colm
• Maresh Mark
• Vargas Juan F

Classifications

• G06Q20/4016 Primary

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

• G06Q20/40145

  Biometric identity checks · CPC title

• G06Q20/34 Primary

  using cards, e.g. integrated circuit [IC] cards or magnetic cards · CPC title

• G06Q20/4015

  using location information · CPC title