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

Patent metadata

Field	Value
Publication number	US-11836730-B2
Application number	US-202117644913-A
Country	US
Kind code	B2
Filing date	Dec 17, 2021
Priority date	Jan 7, 2019
Publication date	Dec 5, 2023
Grant date	Dec 5, 2023

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:
monitoring, by a device, based on access information that permits access to messages associated with a messaging account of a user, the messaging account to determine whether the messaging account receives a confirmation message,
wherein the monitoring is based on receiving an indication that a transaction occurred, and
wherein the monitoring includes processing, one or more messages in the messaging account to identify the confirmation message,
wherein the one or more messages are processed using at least one technique,
wherein the at least one technique includes 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 confirmation message;

determining, by the device and based on processing the one or more messages using the at least one technique, whether the messaging account received the confirmation message within a threshold time period associated with the transaction; and
performing, by the device, an action based on determining that the messaging account did not receive the confirmation message.

2. The method of claim 1 , further comprising:
determining that a merchant is associated with providing the confirmation message.

3. The method of claim 1 , wherein the confirmation message includes one or more of:
a notification that the transaction was completed, or
a receipt associated with the transaction.

4. The method of claim 1 , further comprising:
identifying a characteristic of the transaction,
wherein the monitoring is further based on identifying the characteristic.

5. The method of claim 1 , wherein performing the action comprises:
flagging a financial account to prevent a future transaction associated with the financial account.

6. The method of claim 1 , further comprising:
receiving the indication that the transaction occurred,
wherein the transaction is associated with:
a financial account of a user, and
a merchant.

7. The method of claim 1 , wherein performing the action comprises:
sending a notification to the messaging account,
wherein the notification indicates at least one of:
that the transaction occurred, or
a likelihood of fraudulent activity associated with a financial account associated with the transaction.

8. A device, comprising:
one or more memories: and
one or more processors communicatively coupled to the one or more memories configured to:
monitor, based on access information that permits access to messages associated with a messaging account of a user, the messaging account to determine whether the messaging account receives a confirmation message,
wherein the monitoring is based on receiving an indication that a transaction occurred, and
wherein the monitoring includes processing, one or more messages in the messaging account to identify the confirmation message,
wherein the one or more messages are processed using at least one technique,
wherein the at least one technique includes 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 confirmation message;

determine, based on processing the one or more messages using the at least one technique, that the messaging account did not receive the confirmation message; and
perform an action based on determining that the messaging account did not receive the confirmation message.

9. The device of claim 8 , wherein the one or more processors, when determining that the messaging account did not received the confirmation message, are to:
determine that the messaging account did not received the confirmation message within a threshold number of messages.

10. The device of claim 8 , wherein the one or more processors, when performing the action, are to:
place a hold on a financial account until an investigation into whether a financial account associated with the transaction has been compromised is performed.

11. The device of claim 8 , wherein the one or more processors, when performing the action, are to:
notify authorities of potential fraud.

12. The device of claim 8 , wherein the one or more processors are further to:
determine that a merchant is associated with providing the confirmation message.

13. The device of claim 8 , wherein the confirmation message includes one or more of:
a notification that the transaction was completed, or
a receipt associated with the transaction.

14. The device of claim 8 , wherein the one or more processors, when performing the action, are to:
flag a financial account to prevent a future transaction associated with the financial account.

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:
receive an indication that a transaction associated with a merchant occurred;
monitor, based on access information that permits access to messages associated with a messaging account of a user, the messaging account to determine whether the messaging account receives a confirmation message,
wherein the monitoring is based on receiving the indication, and
wherein the monitoring includes processing, one or more messages in the messaging account to identify the confirmation message,
wherein the one or more messages are processed using at least one technique,
 wherein the at least one technique includes 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 confirmation message;

determine, based on processing the one or more messages using the at least one technique, whether the messaging account received the confirmation message within a threshold time period associated with the transaction; and
perform an action based on determining that the messaging account did not receive the confirmation message.

16. The non-transitory computer-readable medium of claim 15 , wherein the one or more instructions further cause the device to:
determine that the merchant is associated with providing the confirmation message.

17. The non-transitory computer-readable medium of claim 15 , wherein the confirmation message includes one or more of:
a notification that the transaction was completed, or
a receipt associated with the transaction.

18. The non-transitory computer-readable medium of claim 15 , wherein the one or more instructions, that cause the device to perform the action, cause the device to: flag other merchants in a same category of the merchant, wherein the same category comprises one or more of:
a same location, or
a same industry.

19. The non-transitory computer-readable medium of claim 15 , wherein the threshold time period is:
five minutes,
fifteen minutes,
an hour, or
two hours.

Assignees

• Capital One Services Llc

Inventors

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

Classifications

• G06Q20/4016 Primary

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

• G06Q20/047

  using payment protocols involving electronic receipts · CPC title

• G06Q20/382

  insuring higher security of transaction · CPC title

• G06Q20/405

  Establishing or using transaction specific rules · CPC title

• G06Q20/42

  Confirmation, e.g. check or permission by the legal debtor of payment · CPC title