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公开(公告)号：US20230316286A1
公开(公告)日：2023-10-05
申请号：US18207081
申请日：2023-06-07
发明人： Timothy Kramme , Elizabeth A. Flowers , Reena Batra , Miriam Valero , Puneit Dua , Shanna L. Phillips , Russell Ruestman , Bradley A. Craig
CPC分类号： G06Q20/4016 , G06Q20/24 , G06Q20/3224 , G06Q20/409
摘要： In a method of preventing fraudulent online financial transactions, a request to authorize an online, financial transaction may be received, where the transaction is associated with a debit or credit card account. A computing device at which information associated with the debit or credit card account was entered for the transaction may be identified, and a first geographic location at which the computing device resides may be determined. Based upon geolocation data indicating one or more geographic locations of the authorized cardholder, it may be determined that the authorized cardholder was at a second geographic location at a time of the transaction. If the second geographic location does not correspond to the first geographic location, the financial transaction may be prevented from being executed.
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公开(公告)号：US20230316285A1
公开(公告)日：2023-10-05
申请号：US18207069
申请日：2023-06-07
发明人： Timothy Kramme , Elizabeth A. Flowers , Reena Batra , Miriam Valero , Puneit Dua , Shanna L. Phillips , Russell Ruestman , Bradley A. Craig
CPC分类号： G06Q20/4016 , G06Q20/24 , G06N20/00 , G06Q20/3224 , G06Q20/409
摘要： A method of reducing a future amount of electronic fraud alerts includes receiving data detailing a financial transaction, inputting the data into a rules-based engine that generates an electronic fraud alert, transmitting the alert to a mobile device of a customer, and receiving from the mobile device customer feedback indicating that the alert was a false positive or otherwise erroneous. The method also includes inputting the data detailing the financial transaction into a machine learning program trained to (i) determine a reason why the false positive was generated, and (ii) then modify the rules-based engine to account for the reason why the false positive was generated, and to no longer generate electronic fraud alerts based upon (a) fact patterns similar to fact patterns of the financial transaction, or (b) data similar to the data detailing the financial transaction, to facilitate reducing an amount of future false positive fraud alerts.
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公开(公告)号：US20220122071A1
公开(公告)日：2022-04-21
申请号：US15465981
申请日：2017-03-22
发明人： Timothy Kramme , Elizabeth Flowers , Reena Batra , Miriam Valero , Puneit Dua , Shanna L. Phillips , Russell Ruestman , Bradley A. Craig
摘要： In a computer-implemented method, a digital image of a signed financial instrument or identification card may be received from a financial institution or merchant computing terminal. The digital image may be analyzed to identify a type of financial instrument or identification card, and an originating entity. Expected fields of the instrument or card may be determined based upon the type and the originating entity. The digital image may be analyzed to identify actual fields on the instrument or card, and it may be determined whether the expected fields match the actual fields to determine whether a fraudulent field exists on the signed financial instrument or identification card. If it is determined that no fraudulent field exists, additional operations may be performed to determine whether the instrument or card contains fraudulent characters or content.
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公开(公告)号：US20210065186A1
公开(公告)日：2021-03-04
申请号：US15466009
申请日：2017-03-22
发明人： Timothy Kramme , Elizabeth Flowers , Reena Batra , Miriam Valero , Puneit Dua , Shanna L. Phillips , Russell Ruestman , Bradley A. Craig
摘要： In a method of preventing fraudulent online financial transactions, a request to authorize an online, financial transaction may be received, where the transaction is associated with a debit or credit card account. A computing device at which information associated with the debit or credit card account was entered for the transaction may be identified, and a first geographic location at which the computing device resides may be determined. Based upon geolocation data indicating one or more geographic locations of the authorized cardholder, it may be determined that the authorized cardholder was at a second geographic location at a time of the transaction. If the second geographic location does not correspond to the first geographic location, the financial transaction may be prevented from being executed.
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公开(公告)号：US12073408B2
公开(公告)日：2024-08-27
申请号：US18222263
申请日：2023-07-14
发明人： Timothy Kramme , Elizabeth Flowers , Reena Batra , Miriam Valero , Puneit Dua , Shanna L. Phillips , Russell Ruestman , Bradley A. Craig
IPC分类号： G06Q20/40 , G06N5/046 , G06N20/00 , G06Q20/10 , G06Q20/20 , G06Q20/24 , G06Q20/32 , G06Q20/34 , G06Q30/018 , G06Q30/0207 , G06Q30/0241
CPC分类号： G06Q20/4016 , G06N5/046 , G06N20/00 , G06Q20/102 , G06Q20/20 , G06Q20/24 , G06Q20/3224 , G06Q20/34 , G06Q20/401 , G06Q20/407 , G06Q20/409 , G06Q30/0185 , G06Q30/0225 , G06Q30/0248
摘要： A method of detecting whether electronic fraud alerts are false positives includes receiving data detailing a financial transaction, inputting the data into a rules-based engine that determines whether to generate an electronic fraud alert for the financial transaction based upon the data, and, when an electronic fraud alert is generated, inputting the data into a machine learning program trained to identify one or more facts indicated by the data. The method may also include determining whether the identified facts can be verified by customer data and, in response to determining that the facts can be verified, retrieving or receiving first customer data. The method may further include verifying that the electronic fraud alert is not a false positive based upon analysis of the first customer data, and transmitting the verified electronic fraud alert to a mobile device of the customer to alert the customer to fraudulent activity.
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公开(公告)号：US20230316284A1
公开(公告)日：2023-10-05
申请号：US18207062
申请日：2023-06-07
发明人： Timothy Kramme , Elizabeth A. Flowers , Reena Batra , Miriam Valero , Puneit Dua , Shanna L. Phillips , Russell Ruestman , Bradley A. Craig
CPC分类号： G06Q20/4016 , G06Q20/102 , G06Q20/401 , G06Q20/24 , G06Q20/20 , G06Q30/0225 , G06Q20/34 , G06Q20/409 , G06N5/046 , G06Q20/407 , G06Q20/3224 , G06Q30/0185 , G06N20/00 , G06Q30/0248
摘要： A method of detecting whether electronic fraud alerts are false positives includes receiving data detailing a financial transaction, inputting the data into a rules-based engine that determines whether to generate an electronic fraud alert for the financial transaction based upon the data, and, when an electronic fraud alert is generated, inputting the data into a machine learning program trained to identify one or more facts indicated by the data. The method may also include determining whether the identified facts can be verified by customer data and, in response to determining that the facts can be verified, retrieving or receiving first customer data. The method may further include verifying that the electronic fraud alert is not a false positive based upon analysis of the first customer data, and transmitting the verified electronic fraud alert to a mobile device of the customer to alert the customer to fraudulent activity.
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公开(公告)号：US11348122B1
公开(公告)日：2022-05-31
申请号：US16913814
申请日：2020-06-26
发明人： Timothy Kramme , Elizabeth A. Flowers , Reena Batra , Miriam Valero , Puneit Dua , Shanna L. Phillips , Russell Ruestman , Bradley A. Craig
摘要： A method of using browsing activity to identify fraudulent online or virtual applications includes receiving a virtual application over one or more radio frequency links, determining an applicant name on the virtual application, determining an IP address of a source computer from which the virtual application originated, determining an online browsing or search history associated with the IP address, determining whether the online browsing or search history indicates recent Internet searches for the applicant name, and, in response to determining that the online browsing or search history does indicate recent Internet searches for the applicant name, flagging the virtual application as fraudulent and generating an electronic alert indicating that the virtual application is fraudulent to facilitate identifying fraudulent virtual applications for goods or services.
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公开(公告)号：US11334894B1
公开(公告)日：2022-05-17
申请号：US15466014
申请日：2017-03-22
发明人： Timothy Kramme , Elizabeth Flowers , Reena Batra , Miriam Valero , Puneit Dua , Shanna L. Phillips , Russell Ruestman , Bradley A. Craig
摘要： In a computer-implemented method of using customer data to determine that geolocation-based fraud alerts are false positives, it may be determined that an electronic fraud alert is a geolocation-based alert generated based upon an unexpected or abnormal transaction location. In response, customer data may be obtained from two or more sources via radio frequency links. It may then be determined that the customer data from the sources indicates that a customer is traveling. In response, it may be determined that a customer location indicated by the customer data corresponds to the transaction location. In response to determining that the customer location corresponds to the transaction location, the electronic fraud alert may be marked as a false positive, and the electronic fraud alert may be prevented from being transmitted to a mobile device of the customer, in order to reduce an amount of false positives that are transmitted to customers.
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公开(公告)号：US20210264429A1
公开(公告)日：2021-08-26
申请号：US15466002
申请日：2017-03-22
发明人： Timothy Kramme , Elizabeth Flowers , Reena Batra , Miriam Valero , Puneit Dua , Shanna L. Phillips , Russell Ruestman , Bradley A. Craig
摘要： In a computer-implemented method of reducing false positives among geolocation-based fraud alerts issued in connection with card-present financial transactions, it may be determined that a fraud alert exists for a card-present financial transaction. A first geographic location, at which information associated with a debit or credit card account was obtained by swiping or inserting a card, may be determined, along with a time of the transaction. Based upon geolocation data indicating one or more geographic locations of the authorized cardholder, it may be determined that the authorized cardholder was at a second geographic location at the time of the financial transaction. If the second geographic location corresponds to the first geographic location, the fraud alert may be marked as a false positive, such that no fraud alert is sent to the authorized cardholder in connection with the financial transaction.
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公开(公告)号：US11037159B1
公开(公告)日：2021-06-15
申请号：US15465858
申请日：2017-03-22
发明人： Timothy Kramme , Elizabeth Flowers , Reena Batra , Miriam Valero , Puneit Dua , Shanna L. Phillips , Russell Ruestman , Bradley A. Craig
摘要： A method of identifying a merchant computer terminal warranting a chargeback includes identifying a merchant computer terminal associated with a fraudulent financial transaction, and receiving information associated with the merchant computer terminal. The information may include an actual configuration, parameters, and/or specifications associated with the merchant computer terminal. The method also includes receiving up-to-date dispute rules associated with chargebacks, and analyzing the dispute rules to determine merchant computer terminal requirements. The method further includes comparing the terminal requirements with the information associated with the merchant computer terminal to identify whether the merchant computer terminal is compliant with the dispute rules. Based upon the comparison, an electronic notification may be generated that indicates whether a chargeback is warranted due to the merchant computing terminal being non-compliant with the dispute rule, and the electronic notification may be transmitted to a merchant computing device to facilitate resolving financial transaction disputes.
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