US 12,088,477 B2
System and method for predicting anomalous requests and preventing anomalous interactions in a network
Stephen Jack Williams, Charlotte, NC (US); Richard Scot, Huntersville, NC (US); Rebecca Lynn Pietro, Fort Mill, SC (US); John Shelton, Charlotte, NC (US); Abelardo Espinoza, Locust, NC (US); Nathan Alexander Dalpini, McKinney, TX (US); and Vani Reddy Nareddy, Charlotte, NC (US)
Assigned to Bank of America Corporation, Charlotte, NC (US)
Filed by Bank of America Corporation, Charlotte, NC (US)
Filed on Sep. 19, 2023, as Appl. No. 18/469,952.
Application 18/469,952 is a continuation of application No. 18/173,654, filed on Feb. 23, 2023, granted, now 11,811,616.
Application 18/173,654 is a continuation of application No. 17/854,365, filed on Jun. 30, 2022, granted, now 11,658,881, issued on May 23, 2023.
Prior Publication US 2024/0031243 A1, Jan. 25, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. H04L 41/16 (2022.01); H04L 43/02 (2022.01); H04L 43/04 (2022.01); H04L 43/062 (2022.01); H04L 67/306 (2022.01)
CPC H04L 41/16 (2013.01) [H04L 43/02 (2013.01); H04L 43/04 (2013.01); H04L 43/062 (2013.01); H04L 67/306 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A system comprising:
a memory operable to store:
a plurality of user profiles each associated with a corresponding user request to be approved to interact with an entity; and
an anomaly learning model configured to predict an anomalous request; and
a processor operably coupled to the memory, the processor configured to:
compare a first set of the data objects associated with the first user profile to approved data retrieved from a first database to determine a first set of anomalous data indicators, wherein the approved data is associated with one or more user profiles that are currently approved by the entity, the first set of the anomalous data indicators each indicating a first anomalous relevance measure between the first set of the data objects and the approved data;
compare the first set of the data objects to audit data retrieved from a second database to determine a second set of anomalous data indicators, wherein the audit data is associated with one or more user profiles registered with one or more third party sources, the second set of the anomalous data indicators each indicating a second anomalous relevance measure between the first set of the data objects and the audit data;
generate a second set of data objects associated with the first user profile, the second set of the data objects comprising the first set of anomalous data indicators, the second set of anomalous data indicators, and the first set of the data objects;
process the second set of the data objects through the anomaly learning model to determine a predictive degree of approval associated with the first user profile; and
determine how to process the first user profile based on the predictive degree of approval.