US 12,333,548 B2
Systems and methods for fraud detection and prevention
Joshua Edwards, Philadelphia, PA (US); Abdelkader Benkreira, Washington, DC (US); and Michael Mossoba, Arlington, VA (US)
Assigned to CAPITAL ONE SERVICES, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on May 22, 2024, as Appl. No. 18/671,158.
Application 18/671,158 is a division of application No. 16/893,893, filed on Jun. 5, 2020, granted, now 12,014,371.
Prior Publication US 2024/0311836 A1, Sep. 19, 2024
Int. Cl. G06Q 20/40 (2012.01); G01C 21/20 (2006.01); G06F 16/909 (2019.01); G06Q 20/38 (2012.01); G06Q 50/26 (2024.01); G06V 20/52 (2022.01); G06V 40/16 (2022.01); H04L 9/40 (2022.01); G06Q 30/018 (2023.01)
CPC G06Q 20/4016 (2013.01) [G01C 21/20 (2013.01); G06F 16/909 (2019.01); G06Q 20/4015 (2020.05); G06Q 50/265 (2013.01); G06V 20/52 (2022.01); G06V 40/16 (2022.01); H04L 63/107 (2013.01); G06Q 20/389 (2013.01); G06Q 20/405 (2013.01); G06Q 30/0185 (2013.01); H04L 63/08 (2013.01); H04L 2463/082 (2013.01); H04L 2463/102 (2013.01); H04L 2463/121 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A fraud detection and prevention system comprising:
one or more processors;
a memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, are configured to cause the system to:
receive a transaction request associated with a first customer, the transaction request comprising a transaction time stamp, a transaction location, and a merchant type code;
responsive to receiving the transaction request:
receive or retrieve image data captured by one or more image capture devices;
identify, using facial recognition processing techniques, the first customer from the image data at a last-known video detection of the first customer, the last-known video detection comprising a last-known time stamp and a last-known location;
determine a travel time estimate between the last-known location and the transaction location;
determine a buffer based at least in part on the merchant type code;
compare the travel time estimate to an allotted time comprising a difference between the transaction time stamp and the last-known time stamp less the buffer; and
responsive to the travel time estimate exceeding the allotted time:
when the travel time estimate exceeds the allotted time by at least a first threshold, execute a high threat response;
when the travel time estimate exceeds the allotted time by at least a second threshold, execute a medium threat response; and
when the travel time estimate exceeds the allotted time by less than the second threshold, execute a low threat response.