System and method for investigating fraudulent activity

Patent metadata

Field	Value
Publication number	US-9547863-B2
Application number	US-201614987961-A
Country	US
Kind code	B2
Filing date	Jan 5, 2016
Priority date	Sep 9, 2014
Publication date	Jan 17, 2017
Grant date	Jan 17, 2017

Abstract

An apparatus comprises a memory and a processor. The memory is operable to store information associated with a user account. The processor can receive a message indicating that a transaction associated with a card has occurred and receive a first input indicating that the transaction is fraudulent. The processor can receive a second input indicating that a report should be filed and present, on a display, a plurality of questions to determine whether the card has been stolen. The processor can receive a third input indicating an answer to each of the plurality of questions and present, on the display, an affidavit. The processor can receive a fourth input indicating the affidavit has been electronically signed and present, on the display, a confirmation message indicating that the report has been filed.

First claim

What is claimed is:

1. An apparatus, comprising:
a memory operable to store information associated with a user account; and
a processor communicatively coupled to the memory and operable to:
receive a message indicating that a transaction associated with a card has occurred;
in response to the message, receive a first input indicating that the transaction is fraudulent;
receive a second input indicating that a report should be filed;
in response to receiving the second input, present, on a display, a plurality of questions to determine whether the card has been stolen;
receive a third input indicating an answer to each of the plurality of questions;
in response to receiving the third input, present, on the display, an affidavit;
receive a fourth input indicating the affidavit has been electronically signed; and
in response to receiving the fourth input, present, on the display, a confirmation message indicating that the report has been filed;
wherein the plurality of questions comprises:
a first question to determine whether a user associated with the user account possesses a card associated with the user account and the transaction;
a second question to determine whether the card was lost or stolen; and
a third question to determine whether the user will file a police report.

2. The apparatus of claim 1 , wherein the processor is further operable to receive a fifth input indicating a telephone call associated with the transaction should be made.

3. The apparatus of claim 1 , wherein the processor is further operable to:
receive a request for a police report associated with the transaction;
take, using a camera, a picture of the police report; and
communicate the picture in response to the request for the police report.

4. The apparatus of claim 1 , wherein the processor is further operable to:
determine a balance associated with the user account; and
facilitate depositing a check associated with the user account.

5. The apparatus of claim 1 , wherein the processor is further operable to receive an alert indicating that the report has been resolved.

6. The apparatus of claim 5 , wherein the alert is a push notification.

7. A method comprising:
storing, by a memory, information associated with a user account;
receiving, by a processor, a message indicating that a transaction associated with a card has occurred;
in response to the message, receiving a first input indicating that the transaction is fraudulent;
receiving a second input indicating that a report should be filed;
in response to receiving the second input, presenting, on a display, a plurality of questions to determine whether the card has been stolen;
receiving a third input indicating an answer to each of the plurality of questions;
in response to receiving the third input, presenting, on the display, an affidavit;
receiving a fourth input indicating the affidavit has been electronically signed; and
in response to receiving the fourth input, presenting, on the display, a confirmation message indicating that the report has been filed;
wherein the plurality of questions comprises:
a first question to determine whether a user associated with the user account possesses a card associated with the user account and the transaction;
a second question to determine whether the card was lost or stolen; and
a third question to determine whether the user will file a police report.

8. The method of claim 7 , further comprising receiving a fifth input indicating a telephone call associated with the transaction should be made.

9. The method of claim 7 , further comprising:
receiving, a request for a police report associated with the transaction;
taking, using a camera, a picture of the police report; and
communicating the picture in response to the request for the police report.

10. The method of claim 7 , further comprising:
determining a balance associated with the user account; and
facilitating depositing a check associated with the user account.

11. The method of claim 7 , further comprising receiving an alert indicating that the report has been resolved.

12. The method of claim 11 , wherein the alert is a push notification.

13. One or more computer-readable non-transitory storage media embodying software that is operable when executed to:
store, by a memory, information associated with a user account;
receive a message indicating that a transaction associated with a card has occurred;
in response to the message, receive a first input indicating that the transaction is fraudulent;
receive a second input indicating that a report should be filed;
in response to receiving the second input, present, on a display, a plurality of questions to determine whether the card has been stolen;
receive a third input indicating an answer to each to the plurality of questions;
in response to receiving the third input, present, on the display, an affidavit;
receive a fourth input indicating the affidavit has been electronically signed; and
in response to receiving the fourth input, present, on the display, a confirmation message indicating that the report has been filed;
wherein the plurality of questions comprises:
a first question to determine whether a user associated with the user account possesses a card associated with the user account and the transaction;
a second question to determine whether the card was lost or stolen; and
a third question to determine whether the user will file a police report.

14. The media of claim 13 , embodying software that is further operable when executed to receive a fifth input indicating a telephone call associated with the transaction should be made.

15. The media of claim 13 , embodying software that is further operable when executed to:
receive a request to provide a police report associated with the transaction;
take, using a camera, a picture of the police report; and
communicate the picture in response to a request for the picture.

16. The media of claim 13 , embodying software that is further operable when executed to:
determine a balance associated with the user account; and
facilitate depositing a check associated with the user account.

17. The media of claim 13 , embodying software that is further operable when executed to receive an alert indicating that the report has been resolved.

18. The media of claim 17 , wherein the alert is a push notification.

Assignees

• Bank Of America

Inventors

• Choudhuri Somnath
• Goldberg Adam D
• Hansen Matthew
• Hoke Matthew D
• Mallik Oveek
• Mclean Joseph W
• Sturgis Kyle

Classifications

• G06Q20/409

  Device specific authentication in transaction processing · CPC title

• G06Q20/4016 Primary

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

• G06Q20/407 Primary

  Cancellation of a transaction · CPC title

• G06Q20/24

  Credit schemes, i.e. "pay after" · CPC title

• G06Q20/42

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