CPC G06Q 20/4016 (2013.01) [G06F 16/22 (2019.01); G06F 16/24575 (2019.01); G06Q 20/10 (2013.01); G06Q 20/407 (2013.01); G06Q 20/40145 (2013.01)] | 19 Claims |
1. A user device comprising:
one or more processors;
a memory in communication with the one or more processors and storing instructions, that when executed by one or more processors, cause the device to:
record, by one or more biometric sensors, user-specific baseline stress data and user-specific baseline calm data, the user-specific baseline stress data being representative of biological information of a user being in a stressed state and the user-specific baseline calm data being representative of biological information of the user in a calm state;
identify a trigger event associated with a potential transfer of funds;
record situational data including biological information associated with a user in response to the identified trigger event;
responsive to determining that the situational data is above a predetermined level of similarity to the user-specific baseline stress data, determine that a suspicious transaction is occurring;
initiate one or more precautionary safety measures, the one or more precautionary safety measures comprising causing at least one of a camera and a microphone associated with the user device to begin recording; and
confirm whether the suspicious transaction was a coerced transaction by:
generating a request for a confirmation of safety of the user for verification of whether a requested transfer of funds was coerced, the verification comprising user recitation of a security phrase;
recording, via the microphone a security phrase provided by the user;
saving the security phrase as recorded security data;
responsive to the recorded security data being determined to be outside the predetermined level of similarity to stored voice data, determining that the requested transfer of funds is a coerced transfer of funds; and
responsive to the recorded security data being determined to be within a predetermined level of similarity to the stored voice data associated with a predetermined security phrase, determining that the requested transfer of funds is a voluntary transfer of funds.
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