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

Patent metadata

Field	Value
Publication number	US-12417461-B2
Application number	US-202318527789-A
Country	US
Kind code	B2
Filing date	Dec 4, 2023
Priority date	Jan 7, 2019
Publication date	Sep 16, 2025
Grant date	Sep 16, 2025

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:
processing, by a device, one or more messages in a messaging account to identify if the messaging account has a confirmation message,
wherein processing the one or more message is based on one or more of:
an image processing technique that processes an image associated with the confirmation message,
a text processing technique that comprises analyzing text associated with the confirmation message, 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, whether the messaging account received the confirmation message within one or more of:
a threshold number of messages after a transaction associated with the messaging account, or
a threshold time period after 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 , wherein processing the one or more messages in the messaging account to identify the confirmation message comprises:
processing the one or more messages using at least one or more of:
an image processing technique,
a natural language processing technique, or
a code processing technique.

3. The method of claim 2 , wherein the image processing technique comprises at least one of:
an optical character recognition technique, or
a computer vision technique.

4. 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.

5. The method of claim 1 , further comprising:
determining a likelihood that the transaction was unauthorized based on the messaging account not receiving the confirmation message within the threshold number of messages after the transaction.

6. The method of claim 1 , wherein performing the action comprises:
generating notification of potential fraud via one or more of:
a phone call,
a text message, or
an alert to a user device.

7. The method of claim 1 , wherein performing the action comprises:
sending a notification to the messaging account to indicate 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 coupled to the one or more memories configured to:
process one or more messages in a messaging account to identify if the messaging account comprises a confirmation message,
wherein the messaging account is associated with a transaction, and
wherein processing the one or more message is based on one or more of:
an image processing technique that processes an image associated with the confirmation message,
a text processing technique that comprises analyzing text associated with the confirmation message, or
a code processing technique that comprises analyzing computer code associated with the confirmation message;

determine, based on processing the one or more messages, whether the messaging account received the confirmation message within a threshold time period after a transaction; 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 threshold time period is one or more of:
five minutes,
fifteen minutes,
an hour, or
two hours.

10. The device of claim 8 , wherein the one or more processors are further to:
receive an indication,
wherein the indication includes one or more of:
a notification,
a receipt for the transaction, or
transaction information.

11. 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,
place a hold on a financial account associated with the transaction until an investigation is performed, or
notify authorities of potential fraud.

12. The device of claim 8 , wherein the one or more processors, to process one or more messages in the messaging account to identify a confirmation message, are to:
monitor the messaging account based on receiving an indication; and
process the one or more messages in the messaging account based on the indication.

13. The device of claim 8 , wherein the one or more processors are further to:
determine a likelihood that the transaction was unauthorized based on the messaging account not receiving the confirmation message within the threshold time period.

14. The device of claim 8 , wherein the one or more processors are further to:
determine that a merchant provided the confirmation 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:
process one or more messages in a messaging account to identify if the messaging account has a confirmation message,
wherein the messaging account is associated with a transaction,
wherein processing the one or more message is based on one or more of:
an image processing technique that processes an image associated with the confirmation message,
a text processing technique that comprises analyzing text associated with the confirmation message, or

a code processing technique that comprises analyzing computer code associated with the confirmation message;
determine, based on processing the one or more messages, whether the messaging account received the confirmation message within a threshold number of messages after the transaction or a threshold time period after 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, that cause the device to perform the action, cause the device to:
send a notification to the messaging account,
wherein the notification indicates a likelihood of fraudulent activity associated with a financial account associated with the transaction.

17. The non-transitory computer-readable medium of claim 15 , wherein the one or more instructions further cause the device to:
receive a notification that the transaction occurred.

18. The non-transitory computer-readable medium of claim 15 , wherein the one or more instructions further cause the device to:
determine that a merchant sent the confirmation message.

19. The non-transitory computer-readable medium of claim 15 , wherein the one or more instructions further cause the device to:
determine a likelihood that the transaction was unauthorized based on the messaging account not receiving the confirmation message within the threshold number of messages after the transaction and the threshold time period after the transaction.

20. The non-transitory computer-readable medium of claim 15 , wherein the one or more instructions further cause the device to:
receive an indication that the transaction occurred.

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

• G06Q20/42

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

• G06Q30/06 Primary

  Buying, selling or leasing transactions · CPC title

• H04L63/10

  for controlling access to devices or network resources · CPC title

• G06Q20/382

  insuring higher security of transaction · CPC title