Computer-based systems with programmed automatic real-time updatable browsing data objects and activity data objects and methods of use thereof

Patent metadata

Field	Value
Publication number	US-11886567-B2
Application number	US-202217748838-A
Country	US
Kind code	B2
Filing date	May 19, 2022
Priority date	Jan 27, 2020
Publication date	Jan 30, 2024
Grant date	Jan 30, 2024

Abstract

In order to provide improved matching of records between different sources, systems and methods include generating a data link between a stored interaction profile of the user and activity data records that identify activities performed by the user. Online interaction data associated with the user is received, including tracking data indicative of online interactions with content. The online interaction data is stored in the stored interaction profile associated with the user. An activity model is used to predict correlation parameters representing groupings of online interactions of the online interaction data with activities performed by the user, where the prediction is based on the tracking data and each activity in the interaction profile. The interaction profile is updated with the groupings and user activities are authenticated based on the interaction profile.

First claim

The invention claimed is:

1. A method comprising:
receiving, by at least one processor via a browser extension, instructions to present at least one online interaction data object comprising a measurement of a plurality of online interactions by a user with online content;
detecting, by the at least one processor, an entity associated with the at least one online interaction data object based at least in part on the online content;
accessing, by the at least one processor, a plurality of transaction records associated with the entity;
wherein the plurality of transaction records are recorded in an account associated with the user;
wherein the account is stored in at least one account database;
wherein each transaction record of the plurality of transaction records comprises at least one transaction attribute comprising at least one of:
a transaction date indicator indicating an activity date, or
a transaction entity indicator indicating an entity associated with each transaction;

utilizing, by the at least one processor, an activity model to generate at least one correlation parameter indicating a degree of influence of the online content on the plurality of transaction records; and
causing to display, by the at least one processor, an online content recommendation on at least one computing device associated with the entity to indicate the degree of influence of the online content in response to the at least one correlation parameter exceeding a predetermined correlation threshold.

2. The method of claim 1 , further comprising:
determining, by the at least one processor, a similarity between at least one tracking data attribute for each online interaction of the plurality of online interactions and the at least one transaction attribute of each transaction of the plurality of transaction records; and
utilizing, by the at least one processor, the activity model to generate the at least one correlation parameter based at least in part on the similarity.

3. The method of claim 1 , further comprising authenticating, by the at least one processor, a fraud claim made by user selection to generate the authentication based on the account activity associated with the user selection and a correlated grouping of online interactions of the at least one online interaction data object.

4. The method of claim 1 , further comprising authenticating, by the at least one processor, the account activity to generate the authentication based on each respective grouping of online interactions.

5. The method of claim 1 , further comprising authenticating, by the at least one processor, a user selection comprising an account access request using a multi-factor authentication selection based on the account activity correlated with a particular grouping of online interactions of the grouping of online interactions of the at least one online interaction data object.

6. The method of claim 5 , wherein the multi-factor authentication selection comprises a user selection of a particular online interaction from a plurality of options, the particular online interaction matching at least one online interaction in the grouping of online interactions.

7. The method of claim 1 , further comprising:
receiving, by the at least one processor, the content associated with each respective at least one online interaction; and
extracting, by the at least one processor, tracking data associated with each respective at least one online interaction from tags associated with the content.

8. The method of claim 1 , wherein one or more online interactions of the at least one online interaction comprises a purchase associated with the content of each respective at least one online interaction; and
wherein the content of each respective at least one online interaction comprises an online checkout page associated with a product of the third-party merchant.

9. The method of claim 1 , further comprising:
receiving, by the at least one processor, location data associated with the at least one online interaction; and
determining, by the at least one processor, tracking data comprising physical activities based on the location data.

10. The method of claim 1 , further comprising receiving, by the at least one processor, content tags associated with the content from a social media software development kit (SDK).

11. A system comprising:
at least one processor configured to:
receive, via a browser extension, instructions to present at least one online interaction data object comprising a measurement of a plurality of online interactions by a user with online content;
detect an entity associated with the at least one online interaction data object based at least in part on the online content;

access a plurality of transaction records associated with the entity;
wherein the plurality of transaction records are recorded in an account associated with the user;
wherein the account is stored in at least one account database;
wherein each transaction record of the plurality of transaction records comprises at least one transaction attribute comprising at least one of:
a transaction date indicator indicating an activity date, or
a transaction entity indicator indicating an entity associated with each transaction;

utilize an activity model to generate at least one correlation parameter indicating a degree of influence of the online content on the plurality of transaction records; and
cause to display an online content recommendation on at least one computing device associated with the entity to indicate the degree of influence of the online content in response to the at least one correlation parameter exceeding a predetermined correlation threshold.

12. The system of claim 11 , the at least one processor further configured to:
determine a similarity between at least one tracking data attribute for each online interaction of the plurality of online interactions and the at least one transaction attribute of each transaction of the plurality of transaction records; and
utilize the activity model to generate the at least one correlation parameter based at least in part on the similarity.

13. The system of claim 11 , the at least one processor further configured to authenticate a fraud claim made by user selection to generate the authentication based on the account activity associated with the user selection and a correlated grouping of online interactions of the at least one online interaction data object.

14. The system of claim 11 , the at least one processor further configured to authenticate the account activity to generate the authentication based on each respective grouping of online interactions.

15. The system of claim 11 , the at least one processor further configured to authenticate a user selection comprising an account access request using a multi-factor authentication selection based on the account activity correlated with a particular grouping of online interactions of the grouping of online interactions of the at least one online interaction data object.

16. The system of claim 15 , wherein the multi-factor authentication selection comprises a user selection of a particular online interaction from a plurality of options, the particular online interaction matching at least one online interaction in the grouping of online interactions.

17. The system of claim 11 , the at least one processor further configured to:
receive the content associated with each respective at least one online interaction; and
extract tracking data associated with each respective at least one online interaction from ta

Assignees

• Capital One Services Llc

Inventors

• Cuan Lukiih
• Zhu Xiaoguang
• Ji Jason

Classifications

• G06F21/40 Primary

  by quorum, i.e. whereby two or more security principals are required · CPC title

• G06F21/316

  by observing the pattern of computer usage, e.g. typical user behaviour · CPC title

• G06Q30/0277 Primary

  Online advertisement · CPC title

• H04L63/00

  Network architectures or network communication protocols for network security (cryptographic mechanisms or cryptographic arrangements for secret or secure communication H04L9/00; network architectures or network communication protocols for wireless network security H04W12/00; security arrangements for protecting computers or computer systems against unauthorised activity G06F21/00) · CPC title

• H04L63/08

  for authentication of entities (cryptographic mechanisms or cryptographic arrangements for entity authentication H04L9/32) · CPC title