| CPC G06Q 20/102 (2013.01) [G06Q 20/223 (2013.01); G06Q 20/4014 (2013.01)] | 14 Claims |
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1. A method for automated detection of shared payment transactions, the method comprising:
parsing a plurality of transaction records associated with one or more user accounts, wherein the plurality of transaction records is archived by one or more account servers associated with the one or more user accounts, wherein the plurality of transaction records are retrieved by linking a transaction aggregator to the one or more account servers associated with the one or more user accounts;
identifying, based on a periodicity of occurrence, a plurality of recurrent payment transactions, from the plurality of transaction records;
recording an occurrence time and an occurrence frequency for each of the plurality of recurrent payment transaction; and
identifying, one or more recurrent payment transactions corresponding to one or more sets of recurrent person-to-person (P2P) transactions, wherein identifying the one or more recurrent payment transactions comprises:
associating a first set of recurrent P2P transactions having a first transaction amount with one or more second recurrent payment transactions having a second transaction amount, wherein the first transaction amount is a proper divisor of the second transaction amount,
matching one or more P2P transactions, from the first set of recurrent P2P transactions, to a target transaction from the one or more second recurrent payment transactions, wherein the one or more P2P transaction are associated with a positive time lag and a matching periodicity with respect to the occurrence time and the occurrence frequency recorded for the target transaction,
generating a mapping between the one or more P2P transactions and the target payment transaction based on a mapping verification response from a user,
detecting a change in one or more first identifying data and removing one or more P2P to target transaction mappings generated prior to the detecting of the change in the one or more first identifying data wherein the first identifying data corresponds to one of a login Internet Protocol (IP) address and a geo-location data provided by a mobile device associated with the user,
providing and displaying the mapping to a user via a user interface application of a user computing device,
receiving from the user a user confirmation with respect to the mapping via the user interface application of the user computing device, and
generating one or more P2P electronic payment request messages for the one or more P2P transactions at a prespecified time following the occurrence of the target transaction.
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