US 12,217,256 B2
Scaling transactions with signal analysis
Shuyan Lu, Cary, NC (US); Yi-Hui Ma, Mechanicsburg, PA (US); Eugene Irving Kelton, Wake Forest, NC (US); John H. Walczyk, III, Raleigh, NC (US); and Brandon Harris, Union City, NJ (US)
Assigned to International Business Machines Corporation, Armonk, NY (US)
Filed by International Business Machines Corporation, Armonk, NY (US)
Filed on Oct. 7, 2020, as Appl. No. 17/064,627.
Prior Publication US 2022/0107813 A1, Apr. 7, 2022
Int. Cl. G06Q 20/38 (2012.01); G06F 9/38 (2018.01); G06F 9/46 (2006.01); G06F 17/14 (2006.01); G06Q 20/40 (2012.01)
CPC G06Q 20/389 (2013.01) [G06F 9/3836 (2013.01); G06F 9/466 (2013.01); G06F 17/14 (2013.01); G06Q 20/4015 (2020.05); G06Q 20/4016 (2013.01); G06Q 20/405 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A computer-implemented method comprising:
transforming, by a processor set, received data from a time function to a frequency function of the received data;
applying, by the processor set, a filter to the frequency function to remove transactional noise;
utilizing, by the processor set, a fraud detection classification model to determine a pattern within the received data based on standardizing the received data and a periodicity associated with the frequency function of the received data;
generating, by the processor set, a signal score associated with the determined pattern of the received data based, at least in part, on an identified cycle value indicative of a complexity of the received data wherein the identified cycle value is based on an amount of time for a data cleaning algorithm to determine the periodicity;
in response to determining that the generated signal score meets or exceeds a predetermined threshold transaction amount, tracing, by the processor set, at least one location associated with the received data;
dynamically suspending, by the processor set, a processing of a computer-based transaction associated with an account that generated the received data in response to the traced location not being associated with a historical baseline of the account; and
in response to receiving a user input, processing, by the processor set, a suspended computer-based transaction.