US 11,915,282 B2
Preemptive transaction analysis
Michael Mossoba, Great Falls, VA (US); Joshua Edwards, Philadelphia, PA (US); and Abdelkadar M'Hamed Benkreira, Washington, DC (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on May 23, 2022, as Appl. No. 17/664,438.
Application 17/664,438 is a continuation of application No. 16/729,949, filed on Dec. 30, 2019, granted, now 11,341,548.
Application 16/729,949 is a continuation of application No. 16/241,688, filed on Jan. 7, 2019, granted, now 10,521,837, issued on Dec. 31, 2019.
Prior Publication US 2022/0284490 A1, Sep. 8, 2022
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 30/06 (2023.01); G06Q 30/0601 (2023.01); G06Q 20/40 (2012.01); H04L 9/40 (2022.01)
CPC G06Q 30/0601 (2013.01) [G06Q 20/40 (2013.01); G06Q 20/401 (2013.01); G06Q 20/4016 (2013.01); G06Q 30/0623 (2013.01); G06Q 30/0625 (2013.01); G06Q 30/0633 (2013.01); G06Q 30/0637 (2013.01); H04L 63/1408 (2013.01); H04L 63/1483 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method, comprising:
processing, by a device, unstructured data, associated with activity related to a user, to generate activity data associated with the activity,
wherein the unstructured data is received from at least one application operating on another device;
predicting, by the device, based on a machine learning model that is trained to predict that the user is likely to purchase a particular type of product based on the activity data, that the user is likely to purchase the particular type of product;
generating, by the device and based on predicting that the user is likely to purchase the particular type of product, a note associated with a potential transaction to purchase the particular type of product,
wherein the note associated with the potential transaction is removed after a threshold time period;
detecting, by the device, a transaction indicative of a purchase of a product associated with the particular type of product;
performing, by the device and based on the note associated with the potential transaction, a particular set of processes from one or more fraud analysis processes associated with the transaction; and
sending, by the device and based on performing the particular set of processes, an authorization associated with the transaction.