US 12,229,816 B2
Heuristic account fraud detection engine
Elizabeth A. Flowers, Bloomington, IL (US); Puneit Dua, Bloomington, IL (US); Eric Balota, Bloomington, IL (US); and Shanna L. Phillips, Bloomington, IL (US)
Assigned to State Farm Mutual Automobile Insurance Company, Bloomington, IL (US)
Filed by State Farm Mutual Automobile Insurance Company, Bloomington, IL (US)
Filed on Nov. 29, 2022, as Appl. No. 18/071,380.
Application 18/071,380 is a continuation of application No. 16/997,741, filed on Aug. 19, 2020, granted, now 11,556,934.
Application 16/997,741 is a continuation of application No. 15/495,659, filed on Apr. 24, 2017, granted, now 10,810,593, issued on Oct. 20, 2020.
Claims priority of provisional application 62/368,525, filed on Jul. 29, 2016.
Claims priority of provisional application 62/368,588, filed on Jul. 29, 2016.
Claims priority of provisional application 62/368,512, filed on Jul. 29, 2016.
Claims priority of provisional application 62/368,271, filed on Jul. 29, 2016.
Claims priority of provisional application 62/368,359, filed on Jul. 29, 2016.
Claims priority of provisional application 62/368,298, filed on Jul. 29, 2016.
Claims priority of provisional application 62/368,448, filed on Jul. 29, 2016.
Claims priority of provisional application 62/368,536, filed on Jul. 29, 2016.
Claims priority of provisional application 62/368,503, filed on Jul. 29, 2016.
Claims priority of provisional application 62/368,406, filed on Jul. 29, 2016.
Claims priority of provisional application 62/368,572, filed on Jul. 29, 2016.
Claims priority of provisional application 62/368,548, filed on Jul. 29, 2016.
Claims priority of provisional application 62/368,332, filed on Jul. 29, 2016.
Claims priority of provisional application 62/337,711, filed on May 17, 2016.
Prior Publication US 2023/0099100 A1, Mar. 30, 2023
Int. Cl. G06Q 30/0601 (2023.01); G06F 40/30 (2020.01); G06N 3/006 (2023.01); G06N 5/01 (2023.01); G06N 5/04 (2023.01); G06N 20/00 (2019.01); G06Q 10/0631 (2023.01); G06Q 20/04 (2012.01); G06Q 20/24 (2012.01); G06Q 20/40 (2012.01); G06Q 30/01 (2023.01); G06Q 30/018 (2023.01); G06Q 40/02 (2023.01); G06Q 40/03 (2023.01); G06Q 40/12 (2023.01); H04M 3/22 (2006.01); H04M 3/51 (2006.01); H04W 12/08 (2021.01); G06Q 30/016 (2023.01)
CPC G06Q 30/0631 (2013.01) [G06F 40/30 (2020.01); G06N 3/006 (2013.01); G06N 5/01 (2023.01); G06N 5/04 (2013.01); G06N 20/00 (2019.01); G06Q 10/06315 (2013.01); G06Q 10/06316 (2013.01); G06Q 20/042 (2013.01); G06Q 20/24 (2013.01); G06Q 20/4016 (2013.01); G06Q 30/01 (2013.01); G06Q 30/018 (2013.01); G06Q 40/02 (2013.01); G06Q 40/03 (2023.01); G06Q 40/12 (2013.12); H04M 3/2218 (2013.01); H04M 3/5175 (2013.01); H04M 3/5191 (2013.01); H04W 12/08 (2013.01); G06Q 30/016 (2013.01); H04M 2203/403 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A computer-implemented method implemented by a processor of a heuristic server for training a heuristic algorithm to generate an account indication of fraudulent activity, comprising:
retrieving, by the processor and from a first memory, a transaction set comprising transaction data associated with a plurality of users, and at least one indication of fraudulent activity;
receiving, by the processor and from a user device, context data associated with a transaction by a user of the plurality of users;
generating, by the processor, the account indication based on executing the heuristic algorithm stored in a second memory of the heuristic server and using the transaction set, the at least one indication of fraudulent activity, and the context data as input to the heuristic algorithm;
providing, by the processor and based at least in part on the account indication, a request for additional context data associated with the transaction;
receiving, by the processor and based on the request, the additional context data from the user device; and
updating, by the processor and using the account indication and the additional context data, the heuristic algorithm stored in the second memory of the heuristic server to determine characteristics or patterns and increase accuracy of subsequently generated account indications.