Systems and methods for obfuscating transactions

Patent metadata

Field	Value
Publication number	US-12169828-B2
Application number	US-202017001457-A
Country	US
Kind code	B2
Filing date	Aug 24, 2020
Priority date	Aug 24, 2020
Publication date	Dec 17, 2024
Grant date	Dec 17, 2024

Abstract

A computer-implemented method that includes receiving a user command including one or more criteria characteristics in association with an account and detecting an occurrence of a transaction from the account. The transaction is associated with one or more purchase characteristics. The method includes determining whether the one or more purchase characteristics of the transaction match the one or more criteria characteristics, and recording a modified version of the one or more purchase characteristics of the transaction on a ledger of the account in response to determining the one or more purchase characteristics match the one or more criteria characteristics. The method includes recording an unmodified version of the one or more purchase characteristics of the transaction on the ledger in response to determining the one or more purchase characteristics do not match the one or more criteria characteristics.

First claim

What is claimed is:

1. A computer-implemented method, comprising:
receiving a user command including a plurality of criteria characteristics in association with an account, wherein the plurality of criteria characteristics includes a first product description and a first merchant category code, the account is associated with an entity which provides a ledger of the account to a user, and the user and a second user are joint account holders of the account;
detecting an occurrence of a transaction from the account using a machine learning model, wherein the transaction is associated with a plurality of purchase characteristics including a second product description and a second merchant category code;
determining, using the machine learning model, whether the plurality of purchase characteristics included in the second product description and the second merchant category code match the plurality of criteria characteristics included in the first product description and the first merchant category code;
performing a ledger process using the machine learning model, the ledger process including:
recording a modified version of the plurality of purchase characteristics of the transaction on the ledger of the account for a defined time duration, in response to determining the plurality of purchase characteristics included in the second product description and the second merchant category code match the plurality of criteria characteristics included in the first product description and the first merchant category code, wherein the recording of the modified version of the matching plurality of purchase characteristics included in the second product description and the second merchant category code conceals the transaction from the second user; or
recording an unmodified version of the plurality of purchase characteristics of the transaction on the ledger of the account, in response to determining the plurality of purchase characteristics included in the second product description and the second merchant category code do not match the plurality of criteria characteristics included in the first product description and the first merchant category code;

determining whether the account is associated with a preprogrammed instruction to transmit a push notification associated with the transaction upon detecting the occurrence of the transaction;
in response to determining the account is associated with the preprogrammed instruction to transmit the push notification, modifying the push notification to include the modified version of the plurality of purchase characteristics; and
executing the preprogrammed instruction to transmit the push notification to a user device.

2. The computer-implemented method of claim 1 , wherein recording the modified version of the plurality of purchase characteristics comprises:
obfuscating at least one of the plurality of purchase characteristics of the transaction on the ledger.

3. The computer-implemented method of claim 2 , wherein recording the modified version of the plurality of purchase characteristics further comprises at least one of:
modifying a merchant name field associated with the transaction on the ledger;
modifying a transaction date field associated with the transaction on the ledger;
modifying a transaction amount field associated with the transaction on the ledger; or
modifying the second merchant category code associated with the transaction on the ledger.

4. The computer-implemented method of claim 1 , wherein recording the modified version of the plurality of purchase characteristics on the ledger comprises:
replacing the plurality of purchase characteristics with an alias characteristic.

5. The computer-implemented method of claim 4 , wherein prior to replacing the plurality of purchase characteristics with the alias characteristic, the method comprises:
determining one or more alias characteristic recommendations from prior transaction data associated with the account, wherein the one or more alias characteristic recommendations are based on a comparison with the plurality of purchase characteristics.

6. The computer-implemented method of claim 5 , wherein replacing the plurality of purchase characteristics with the alias characteristic comprises:
generating a list of the one or more alias characteristic recommendations; and
transmitting the list to the user device for selection of at least one of the one or more alias characteristic recommendations.

7. The computer-implemented method of claim 1 , wherein:
the user command including the plurality of criteria characteristics is received from the user device via an electronic network; and
the plurality of purchase characteristics associated with the transaction is received from a merchant server.

8. The computer-implemented method of claim 1 , wherein the user command includes a duration for associating the plurality of criteria characteristics with the account, and the method further comprising:
periodically determining whether the duration has lapsed.

9. The computer-implemented method of claim 8 , further comprising:
removing the plurality of criteria characteristics from association with the account when the duration has lapsed such that determining whether the plurality of purchase characteristics included in the second product description and the second merchant category code match the plurality of criteria characteristics included in the first product description and the first merchant category code is ceased when detecting the occurrence of the transaction.

10. The computer-implemented method of claim 8 , further comprising:
modifying the ledger of the account to update the plurality of purchase characteristics of the transaction from the modified version to the unmodified version in response to determining the duration has lapsed.

11. The computer-implemented method of claim 8 , further comprising:
generating a report listing the transaction with the plurality of purchase characteristics in the unmodified version in response to determining the duration has lapsed.

12. The computer-implemented method of claim 1 , wherein recording the modified version of the plurality of purchase characteristics on the ledger comprises:
omitting the plurality of purchase characteristics of the transaction from the ledger of the account such that the transaction is excluded from the ledger.

13. A system, comprising:
a processor; and
a memory storing instructions that, when executed by the processor, cause the processor to perform operations including:
receiving a user command including a plurality of criteria characteristics in association with an account, wherein the plurality of criteria characteristics includes a first product description and a first merchant category code, the account is associated with an entity which provides a ledger of the account to a user, and the user and a second user are joint account holders of the account;
detecting an occurrence of a transaction from the account using a machine learning model, wherein the transaction is associated with a plurality of purchase characteristics including a second product description and a second merchant category code;
determining, using the machine learning model, whether the plurality of purchase characteristics included in the second product description and the second merchant category code match the plurality of criteria characteristics included in the first product description and the first merchant category code;
performing a ledger process using the machine learning model, the ledger process including:
recording a modified version of the plurality of purchase characteris

Assignees

• Capital One Services Llc

Inventors

• Edwards Joshua
• Benkreira Abdelkader
• Mossoba Michael

Classifications

• G06Q20/401

  Transaction verification · CPC title

• G06Q20/405

  Establishing or using transaction specific rules · CPC title

• G06Q20/382 Primary

  insuring higher security of transaction · CPC title