| CPC G06Q 20/4016 (2013.01) [G06Q 20/3224 (2013.01); G06Q 20/382 (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 executable to cause the system to perform operations comprising:
generating a plurality of two-dimensional (2D) time coordinates corresponding to a plurality of positions on a 2D coordinate plane, wherein each of the plurality of 2D time coordinates is based on a respective transaction of a plurality of electronic transactions, wherein the plurality of electronic transactions comprise electronic transactions initiated by one or more particular user accounts of a group of one or more user accounts including a first user account, and wherein generating the plurality of 2D time coordinates comprises mapping a time of day for each of the plurality of electronic transactions to a position on the 2D coordinate plane;
creating a transaction probability distribution map based on the plurality of 2D time coordinates, wherein the transaction probability distribution map is indicative of a likelihood of occurrence of a transaction initiated by one of the group of user accounts for a given time of day;
receiving an indication that an uncategorized electronic transaction has been initiated by a specific user account via a user computing device, wherein the uncategorized electronic transaction was initiated at a particular time of day via the user computing device;
calculating a first position on the 2D coordinate plane by mapping the particular time of day to the 2D coordinate plane;
based on the first position on the 2D coordinate plane, using the transaction probability distribution map to determine a particular likelihood of an authorized user of the specific user account having initiated the uncategorized electronic transaction at the particular time of day;
generating a transaction risk score based on the particular likelihood of the authorized user having initiated the uncategorized electronic transaction at the particular time of day;
determining whether to authorize or deny the uncategorized electronic transaction based on the transaction risk score; and
transmitting an indication of whether the uncategorized electronic transaction is authorized or denied.
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