US 12,361,427 B2
Updating a machine learning fraud model based on third party transaction information
Colin Hart, Falls Church, VA (US); Joshua Edwards, Philadelphia, PA (US); Francisco Perezleon, Richmond, CA (US); Molly Johnson, Alexandria, VA (US); Kaitlin Newman, Washington, DC (US); Angelina Wu, Vienna, VA (US); and Jason Ji, Reston, VA (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Apr. 8, 2024, as Appl. No. 18/629,204.
Application 18/629,204 is a continuation of application No. 18/063,914, filed on Dec. 9, 2022, granted, now 11,954,689.
Application 18/063,914 is a continuation of application No. 15/929,921, filed on May 29, 2020, granted, now 11,538,037, issued on Dec. 27, 2022.
Application 15/929,921 is a continuation of application No. 16/279,723, filed on Feb. 19, 2019, granted, now 10,672,005, issued on Jun. 2, 2020.
Prior Publication US 2024/0257137 A1, Aug. 1, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/40 (2012.01); G06N 20/00 (2019.01); H04L 9/40 (2022.01)
CPC G06Q 20/4016 (2013.01) [G06N 20/00 (2019.01); H04L 63/102 (2013.01); H04L 63/20 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method, comprising:
receiving, by a device, first information associated with a first transaction that is related to a first account associated with a first entity,
wherein the first transaction is associated with utilizing a first device for the first transaction;
obtaining, by the device, second information associated with a second transaction that is related to a second account associated with a second entity,
wherein the second transaction is associated with utilizing a second device for the second transaction;
determining, by the device and based on a plurality of machine learning models, whether the first information and the second information match within a predetermined threshold; and
performing, by the device and based on determining whether the first information and the second information match within the predetermined threshold, an action that includes:
removing, when the first information and the second information match within the predetermined threshold, a fraud lock associated with the first account, or
determining that the first transaction was correctly denied due to a potential fraud.