US 11,055,716 B2
Risk analysis and fraud detection for electronic transaction processing flows
Harith Al Anbari, San Jose, CA (US); Laura Wong, San Jose, CA (US); Hemal Doshi, San Jose, CA (US); Shriram Sundaravalli, San Jose, CA (US); Yaeli Cohen, San Jose, CA (US); and Novalina Nursalim, San Jose, CA (US)
Assigned to PAYPAL, INC., San Jose, CA (US)
Filed by PAYPAL, INC., San Jose, CA (US)
Filed on Sep. 19, 2016, as Appl. No. 15/269,682.
Prior Publication US 2018/0082299 A1, Mar. 22, 2018
Int. Cl. G06Q 40/08 (2012.01); G06Q 20/40 (2012.01); H04L 29/06 (2006.01); G06Q 20/10 (2012.01)
CPC G06Q 20/4016 (2013.01) [G06Q 20/102 (2013.01); G06Q 40/08 (2013.01); H04L 63/08 (2013.01); H04L 63/1416 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A system comprising:
a non-transitory memory storing account data for a first account of a first entity and a second account of a second entity; and
one or more hardware processors configured to execute instructions to cause the system to perform operations comprising:
receiving a request to enter a transaction processing flow by the first entity with the second entity through a graphical user interface (GUI) provided by the system, wherein the request comprises transaction information for a transaction between the first entity and the second entity obtained from a first interface field of the GUI;
accessing the account data for the first account of the first entity and the second account of the second entity, wherein the account data comprises at least one abuser flag for at least one of the first entity or the second entity, and wherein the at least one abuser flag is associated with at least one fraudulent use of the transaction processing flow;
determining a message associated with the transaction that was transmitted between the first entity and the second entity during the transaction;
analyzing a key word in the message;
determining that the key word is associated with one of a personal transaction or a commercial transaction based on the analyzing;
determining a transaction type of the transaction based on the account data, the transaction information, and the key word associated with the one of the personal transaction or the commercial transaction;
determining, based on the at least one abuser flag, a message field for the message, and the transaction type, that the first entity is attempting to access an incorrect transaction processing flow type for processing the transaction by the transaction processing flow, wherein the incorrect transaction processing flow is processed by a first set of data processing operations associated with first digital information for the transaction processing flow;
determining that the first entity is acting fraudulently based on the first entity attempting to access the incorrect transaction processing flow type;
flagging the transaction as an abusive transaction attempting to access the incorrect transaction processing flow type;
determining a user interface selection option associated with a data processing requirement for the processing the transaction by the transaction processing flow using an adjusted transaction processing flow type, wherein the adjusted transaction processing flow is processed by a second set of data processing operations associated with second digital information for the transaction processing flow;
causing to be changed, within the GUI provided by the system, the transaction processing flow from the incorrect transaction processing flow type to the adjusted transaction processing flow type;
providing data to the transaction processing flow for the adjusted transaction processing flow type; and
automatically selecting, within the GUI, a second interface field for the adjusted transaction processing flow type during the transaction processing flow based on the message, the transaction type, and the data processing requirement.