Dynamic verification of an electronic exchange of information

Patent metadata

Field	Value
Publication number	US-12513156-B2
Application number	US-202318500919-A
Country	US
Kind code	B2
Filing date	Nov 2, 2023
Priority date	Nov 2, 2023
Publication date	Dec 30, 2025
Grant date	Dec 30, 2025

Abstract

In some implementations, a verification device may receive a request for an electronic exchange of information. The verification device may receive geographic location information associated with the request for the electronic exchange of information. The verification device may determine, using a machine learning model and based on the geographic location information, a validity of the request for the electronic exchange of information. The verification device may determine whether to execute the electronic exchange of information based on the determination of the validity of the request for the electronic exchange of information. The verification device may perform one of executing the electronic exchange of information or rejecting the request for the electronic exchange of information based on the determination of whether to execute the electronic exchange of information.

First claim

What is claimed is:

1 . A system for verifying an electronic exchange of information, the system comprising:
one or more memories; and one or more processors, communicatively coupled to the one or more memories, configured to:
train a machine learning model based on multiple sets of electronic exchanges of information data and geographic location data associated with the multiple sets of electronic exchanges of information data;
receive a request for the electronic exchange of information;
receive geographic location information associated with the request for the electronic exchange of information;
determine, using the machine learning model, based on the geographic location information, and based on a shape space associated with permitted electronic exchanges of information, a validity of the request for the electronic exchange of information, wherein a boundary of the shape space is reconfigurable based on a maximum velocity of available transportation;
determine whether to execute the electronic exchange of information based on the determination of the validity of the request for the electronic exchange of information; and
perform one of executing the electronic exchange of information or rejecting the request for the electronic exchange of information based on the determination of whether to execute the electronic exchange of information.

2 . The system of claim 1 , wherein the one or more processors are further configured to receive prior geographic location information associated with a prior electronic exchange of information, and
wherein the one or more processors, to determine whether to execute the electronic exchange of information, are configured to determine whether to execute the electronic exchange of information based on the prior geographic location information.

3 . The system of claim 1 , wherein the geographic location information is associated with one of a physical location of a point-of-sale device associated with the electronic exchange of information or an Internet protocol address corresponding to a device associated with the electronic exchange of information.

4 . The system of claim 1 , wherein the one or more processors are further configured to receive, from a telecommunication device associated with the request for the electronic exchange of information, movement information associated with a movement of the telecommunication device, and
wherein the one or more processors, to determine whether to execute the electronic exchange of information, are configured to determine whether to execute the electronic exchange of information based on the movement information.

5 . The system of claim 1 , wherein the one or more processors are further configured to receive time information associated with a time at which a prior electronic exchange of information was performed, and
wherein the one or more processors, to determine whether to execute the electronic exchange of information, are configured to determine whether to execute the electronic exchange of information based on the time information.

6 . The system of claim 1 , wherein the one or more processors are further configured to receive prior type information indicating a type of an electronic exchange of information associated with a prior electronic exchange of information, and
wherein the one or more processors, to determine whether to execute the electronic exchange of information, are configured to determine whether to execute the electronic exchange of information based on the prior type information.

7 . The system of claim 1 , wherein the one or more processors are further configured to identify the shape space associated with the permitted electronic exchanges of information.

8 . The system of claim 7 , wherein the one or more processors are further configured to:
receive time information associated with a time at which a prior electronic exchange of information was performed; and reconfigure the boundary of the shape space associated with the permitted electronic exchanges of information based on the time information.

9 . A method for verifying an electronic exchange of information, comprising:
receiving, by a verification device, a request for the electronic exchange of information; receiving, by the verification device, geographic location information associated with the request for the electronic exchange of information; determining, using a machine learning model, based on the geographic location information, and based on a shape space associated with permitted electronic exchanges of information, a validity of the request for the electronic exchange of information, wherein a boundary of the shape space is reconfigurable based on a maximum velocity of available transportation; determining, by the verification device, whether to execute the electronic exchange of information based on the determination of the validity of the request for the electronic exchange of information; and performing, by the verification device, one of executing the electronic exchange of information or rejecting the request for the electronic exchange of information based on the determination of whether to execute the electronic exchange of information.

10 . The method of claim 9 , further comprising training, by the verification device, the machine learning model based on multiple sets of electronic exchanges of information data and geographic location data associated with the multiple sets of electronic exchanges of information data.

11 . The method of claim 9 , further comprising receiving prior geographic location information associated with a prior electronic exchange of information,
wherein determining whether to execute the electronic exchange of information comprises determining whether to execute the electronic exchange of information based on the prior geographic location information.

12 . The method of claim 9 , wherein the geographic location information is associated with one of a physical location of a point-of-sale device associated with the electronic exchange of information or an Internet protocol address corresponding to a device associated with the electronic exchange of information.

13 . The method of claim 9 , further comprising receiving, from a telecommunication device associated with the request for the electronic exchange of information, movement information associated with a movement of the telecommunication device,
wherein determining whether to execute the electronic exchange of information comprises determining whether to execute the electronic exchange of information based on the movement information.

14 . The method of claim 9 , further comprising receiving time information associated with a time at which a prior electronic exchange of information was performed,
wherein determining whether to execute the electronic exchange of information comprises determining whether to execute the electronic exchange of information based on the time information.

15 . The method of claim 9 , further comprising receiving prior type information indicating a type of an electronic exchange of information associated with a prior electronic exchange of information,
wherein determining whether to execute the electronic exchange of information comprises determining whether to execute the electronic exchange of information based on the prior type information.

16 . The method of claim 9 , further comprising identifying the shape space associated with the permitted electronic exchanges of information.

17 . The method of claim 16 , further comprising:

Assignees

• Capital One Services Llc

Inventors

• Reinert Owen
• Rafferty Galen
• Sharpe Samuel
• Barr Brian
• Davis Michael
• Au-Yeung Justin

Classifications

• H04L63/107

  wherein the security policies are location-dependent, e.g. entities privileges depend on current location or allowing specific operations only from locally connected terminals · CPC title

• H04L63/123 Primary

  received data contents, e.g. message integrity · CPC title