US 11,783,340 B2
Localized account freeze for fraudulent transactions
Jeremy Goodsitt, Champaign, IL (US); Vincent Pham, Seattle, WA (US); Fardin Abdi Taghi Abad, Champaign, IL (US); and Austin Walters, Savoy, IL (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Dec. 15, 2022, as Appl. No. 18/66,569.
Application 18/066,569 is a continuation of application No. 16/843,355, filed on Apr. 8, 2020, granted, now 11,551,228.
Prior Publication US 2023/0123216 A1, Apr. 20, 2023
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/40 (2012.01); H04W 4/029 (2018.01); G06N 20/00 (2019.01)
CPC G06Q 20/4016 (2013.01) [G06N 20/00 (2019.01); H04W 4/029 (2018.02)] 20 Claims
OG exemplary drawing
 
1. A system for locally freezing accounts in geographic or digital spaces based on detected patterns comprising:
at least one processor; and
at least one non-transitory computer readable medium containing instructions that, when executed by the at least one processor, cause the at least one processor to perform operations comprising:
detecting fraud data associated with a first user account, wherein the fraud data includes a location where a fraud associated with the first user account has occurred, and wherein the location comprises at least one of a digital location or a geographical location;
generating a pattern of fraud based on the fraud data;
determining a geodigital area for a localized account freeze based on the pattern of fraud;
retrieving a pattern of use associated with a second user account;
performing a first localized account freeze on the first user account in the geodigital area based on the pattern of fraud; and
performing a second localized account freeze on the second user account in the geodigital area based on the pattern of use.