| CPC G06Q 20/4016 (2013.01) [G06F 16/9566 (2019.01); G06N 20/00 (2019.01); G06Q 20/351 (2013.01); H04L 63/1425 (2013.01); H04L 63/1483 (2013.01); G06F 21/31 (2013.01)] | 20 Claims |
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1. A system comprising:
a processor; and
a non-transitory computer-readable medium having stored thereon instructions that, when executed by the processor, cause the processor to perform operations comprising:
detecting, from a first user device of a claimer, an indication associated with a redemption request of a stored value digital resource, wherein an electronically presented user interface (UI) element associated with a navigation link, displayed on the first user device, enables a user of the first user device to facilitate a redemption of the stored value digital resource;
receiving, from the first user device, a unique digital identifier of the stored value digital resource and a first device identifier of the first user device;
accessing purchase account information stored in a database by querying the database with the unique digital identifier of the stored valued digital resource, wherein the accessing the purchase account information comprises determining the purchase account information from account information of an establisher account of an establisher and a time of a creation of the stored value digital resource, wherein the establisher account was used by the establisher for the creation of the stored value digital resource, wherein the purchase account information associated with the establisher account corresponds to a first user account of an electronic transaction service provider, and wherein the purchase account information includes one or more of a total amount of purchase for one or more past transactions in a transaction history of the first user account, a quantity of gift cards purchased by the first user account, a quantity of times a gift card code has been accessed by the first user account, a quantity of digital gift cards sent to a same receiver by the first user account, an indication whether the first user account has a negative balance or has had a past negative balance, a quantity of times that an IP address was associated with a transaction used by the first user account to purchase the stored value digital resource, an indication whether the first user account has been dormant for a period of time, a quantity of different IP addresses used to access the first user account, an indication whether the IP address used in the transaction to purchase the stored value digital resource matches a primary country of the first user account, an indication whether the first user account has any account restrictions by the electronic transaction service provider, or an indication whether the first user account has an indication of an account takeover, and wherein the purchase account information further comprises information regarding whether the first user account has any reversed transactions after the time of the creation of the stored value digital resource;
accessing online data associated with the first user device of the claimer, wherein the online data of the claimer comprises an indication of a fraudulent activity after the time of the creation of the stored value digital resource;
executing a machine learning engine based on at least a portion of the purchase account information associated with the establisher account and the online data associated with the claimer, wherein the executing comprises:
determining, via the executed machine learning engine based on input associated with at least the portion of the purchase account information and the online data of the first user device, a classification of each of a plurality of categories associated with a fraudulent creation and a fraudulent access of the stored value digital resource after the time of the creation of the stored value digital resource, and
determining, via the executed machine learning engine, an output value that classifies the stored value digital resource based on the classification of each of the plurality of categories; and
based on the determined output value from the classification of the stored value digital resource:
allowing a use of the stored value digital resource by the first user device by outputting a redemption allowance action to the first user device through a user interface (UI) for the redemption request, or
disallowing the use of the stored value digital resource by the first user device by restricting an access to the stored value through the UI for the redemption request.
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