US 11,989,733 B2
Multi-model system for electronic transaction authorization and fraud detection
Carlos Nascimento, Porto Alegre (BR); Guilherme Gomes, Porto Alegre (BR); Roberto Coutinho, Porto Alegre (BR); and Roberto Silveira, Porto Alegre (BR)
Assigned to ADP, Inc., Roseland, NJ (US)
Filed by ADP, Inc., Roseland, NJ (US)
Filed on Oct. 15, 2021, as Appl. No. 17/451,045.
Prior Publication US 2023/0120865 A1, Apr. 20, 2023
Int. Cl. G06Q 20/40 (2012.01); G06F 18/20 (2023.01); G06N 3/08 (2023.01); G06V 30/146 (2022.01); G06V 30/413 (2022.01); G06V 30/416 (2022.01)
CPC G06Q 20/4016 (2013.01) [G06F 18/285 (2023.01); G06N 3/08 (2013.01); G06V 30/1473 (2022.01); G06V 30/413 (2022.01); G06V 30/416 (2022.01)] 20 Claims
OG exemplary drawing
 
1. A method, comprising:
receiving, by a data processing system comprising one or more processors coupled with memory, an electronic image from an image storage;
generating, by the data processing system via a first neural network, an output indicating a classification of the electronic image as a first type of document of a plurality of types of documents, the plurality of types of documents comprising a valid type and an invalid type;
determining, by the data processing system using the output of the first neural network, that the electronic image represents a document based on the classified electronic image;
identifying, by the data processing system via a second neural network and based on the classification of the electronic image as a first type of document, a portion of the electronic image containing an identifier;
extracting, by the data processing system, the identifier by performing character recognition on the identified portion of the electronic image containing the identifier;
determining, by the data processing system, that the identifier is valid by using a validation application programming interface (API) to determine that the identifier is associated with a valid account at an institution; and
authorizing, by the data processing system, a transaction associated with the identifier.