Patent Application
20240412219
The disclosed technology relates to systems and methods for fraud detection. Specifically, this disclosed technology relates to identifying user- and/or transaction-specific fraud based on search history and session path data.
Traditional systems and methods for fraud detection typically apply similar features and/or analyze similar forms of data across users or transactions. These traditional fraud detection systems and methods typically then use those features and/or data to determine a likelihood of potential fraud such that they may take further action, such as provide a notification to a user or make changes to and/or shut down a user account.
Accordingly, there is a need for improved systems and methods for fraud detection. Embodiments of the present disclosure may be directed to this and other considerations.
Disclosed embodiments may include a system for fraud detection. The system may include one or more processors, and 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 detect fraud. The system may identify, using a web browser extension, that a user has navigated to a webpage on a user device. The system may receive, via the webpage, data associated with a transaction. Responsive to receiving the data, the system may retrieve search history data corresponding to a searching session associated with the data, and may identify a searching session path corresponding to the transaction. The system may determine, using a machine learning model (MLM) and based on the search history data and the searching session path, a likelihood of fraud associated with the data. The system may determine whether the likelihood exceeds a predetermined threshold. Responsive to determining the likelihood exceeds the predetermined threshold, the system may conduct one or more fraud prevention actions.
Disclosed embodiments may include a system for fraud detection. The system may include one or more processors, and 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 detect fraud. The system may receive data associated with a transaction being conducted by a user on a webpage via a user device. Responsive to receiving the data, the system may retrieve search history data corresponding to a searching session associated with the data, and may identify a searching session path corresponding to the transaction. The system may determine, using an MLM and based on the search history data and the searching session path, a likelihood of fraud associated with the data. The system may determine whether the likelihood exceeds a predetermined threshold. Responsive to determining the likelihood exceeds the predetermined threshold, the system may conduct one or more fraud prevention actions.
Disclosed embodiments may include a system for fraud detection. The system may include one or more processors, and 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 detect fraud. The system may receive data associated with a transaction being conducted by a user on a webpage via a user device. The system may retrieve search history data corresponding to a searching session associated with the data. The system may identify a searching session path corresponding to the transaction. The system may determine, using an MLM and based on the search history data and the searching session path, a likelihood of fraud associated with the data. The system may determine whether the likelihood exceeds a predetermined threshold. Responsive to determining the likelihood exceeds the predetermined threshold, the system may conduct one or more fraud prevention actions.
Further implementations, features, and aspects of the disclosed technology, and the advantages offered thereby, are described in greater detail hereinafter, and can be understood with reference to the following detailed description, accompanying drawings, and claims.
Reference will now be made to the accompanying drawings, which are not necessarily drawn to scale, and which illustrate various implementations, aspects, and principles of the disclosed technology. In the drawings:
Traditional systems and methods for fraud detection typically apply similar features and/or analyze similar forms of data across users or transactions. These traditional fraud detection systems and methods typically then use those features and/or data to determine a likelihood of potential fraud such that they may take further action, such as provide a notification to a user or make changes to and/or shut down a user account. These traditional systems and methods typically do not, however, provide for user- or transaction-specific monitoring such that they may evaluate or predict potential fraud, or take further action, on a case-by-case basis. Additionally, these traditional systems and methods typically do not account for user privacy when collecting data for use in fraud prediction.
Accordingly, examples of the present disclosure may provide for identifying that a user has navigated to a webpage, receiving data associated with a transaction, retrieving browser or search history data corresponding to a browsing or searching session associated with the data, identifying a browsing or searching session path corresponding to the transaction, and determining a likelihood of fraud associated with the data based on the search history data and searching session path.
Disclosed embodiments may employ MLMs, among other computerized techniques, to aid in determining a likelihood of fraud associated with transaction data. Machine learning models are a unique computer technology that involves training models to complete tasks and make decisions. These techniques may help to improve database and network operations. For example, the systems and methods described herein may utilize, in some instances, MLMs, which are necessarily rooted in computers and technology, to determine a likelihood of fraud associated with transaction data based on the search history data and searching session path corresponding to such transaction data. This, in some examples, may involve using user- and transaction-specific input data and an MLM, applied to determine a likelihood of fraud associated with a specific user and/or transaction. Using an MLM and a computer system configured in this way may allow the system to provide customized or individualized fraud monitoring.
This may provide an advantage and improvement over prior technologies that may not be configured to utilize user- or transaction-specific data to monitor for or predict fraud. The present disclosure solves this problem by training models to evaluate user- and transaction-specific input data, such as account information, search history data, searching session path information, etc., to arrive at a decision as to a likelihood of fraud associated with a specific user and/or transaction. Furthermore, examples of the present disclosure may also improve the speed with which computers can detect fraud. Overall, the systems and methods disclosed have significant practical applications in the fraud detection field because of the noteworthy improvements of user- and transaction-specific fraud determinations, which are important to solving present problems with this technology.
Some implementations of the disclosed technology will be described more fully with reference to the accompanying drawings. This disclosed technology may, however, be embodied in many different forms and should not be construed as limited to the implementations set forth herein. The components described hereinafter as making up various elements of the disclosed technology are intended to be illustrative and not restrictive. Many suitable components that would perform the same or similar functions as components described herein are intended to be embraced within the scope of the disclosed electronic devices and methods.
Reference will now be made in detail to example embodiments of the disclosed technology that are illustrated in the accompanying drawings and disclosed herein. Wherever convenient, the same reference numbers will be used throughout the drawings to refer to the same or like parts.
In block 102, the data correlation system 220 may identify that a user has navigated to a webpage on a user device. In some embodiments, the system may utilize a web browser extension or a separate backend server to perform such identification. In some embodiments, the webpage may be associated with a merchant, wherein the web browser extension or backend server may be configured to collect data associated with the webpage (e.g., webpage metadata) to determine the webpage is associated with a merchant of goods and/or services.
In block 104, the data correlation system 220 may receive, via the webpage, data associated with a transaction. In some embodiments, the data may include an account number, a payment card number (e.g., a credit card number, a virtual card number (VCN)), a transaction amount, an item or service identifier, a merchant identifier (e.g., a merchant category code (MCC)), and the like. For example, a user may navigate to a checkout page through a merchant webpage and may enter such transaction data into one or more user input fields (e.g., a text box, drop-down menu, etc.) within the graphical user interface (GUI) of the user's mobile device (e.g., user device 302).
In block 106, the data correlation system 220 may retrieve search history data corresponding to a searching session associated with the data. In some embodiments, the searching session may be a browsing or searching session the user conducted that lead up to the current transaction. For example, the searching session may be based on browsing time (e.g., a 30-minute period of time), a number of clicks, a number of webpages visited, and the like. In some embodiments, the search history data may include information corresponding to the searching session, such as a name of a webpage, a type of webpage, an order of webpages, a total amount of search time, a time period between webpage searches, metadata associated with the user device (e.g., an IP address), and the like. In some embodiments, the searching session and/or search history data may be predefined such that the system recognizes the type(s) and/or amount(s) of information to collect to define the correct search history data and searching session associated with the data.
In some embodiments, the system may be configured to collect search history data in the background of a searching session up to the point where the user initiates the transaction and/or to collect search history data in response to receiving the transaction data (block 104).
In block 108, the data correlation system 220 may identify a searching session path corresponding to the transaction. In some embodiments, the searching or browsing session path may include one or more steps the user has taken to navigate to the webpage. In some embodiments, the steps(s) may include the order of webpages visited, the specific link(s) clicked on, web addresses typed into the internet browser, and the like. As with the searching session and/or search history data, discussed herein, the searching session path may be predefined or may be dynamically tweaked via a trained MLM, as further discussed below.
In block 110, the data correlation system 220 may determine, using an MLM and based on the search history data and the searching session path, a likelihood of fraud associated with the data. In some embodiments, the MLM may be trained and/or continuously updated to dynamically learn how far back in time it must go to collect enough search history data, searching session information, searching session path information, and/or data associated with a transaction to draw correlations or find patterns to more accurately predict a likelihood of fraud. For example, inputs to the MLM could include the order of webpages viewed within a period of time, time changes between webpage visits or views, metadata corresponding to the browsing device (e.g., IP address, location, etc.), whether a real/primary card number or a VCN is used to conduct the transaction, how many times a card number has been used in the past (e.g., based on transaction history data), and the like. In some embodiments, the MLM may be a federated model, such that users' personal browsing/searching data is sent back to the model for training rather than to a central server. A benefit of such feature is that it may help to increase privacy and/or security of users' personal information.
In block 112, the data correlation system 220 may determine whether the likelihood exceeds a predetermined threshold. In some embodiments, the system may begin operating with a predefined threshold, such as a default threshold. For example, the predefined threshold may be a range or percent (e.g., 90%) above which the system may conduct fraud prevention action(s), as further discussed below. In some embodiments, the system may be configured to dynamically adjust the threshold as, for example, the MLM learns what type(s) and/or amount(s) of searching information, as discussed above, it must collect to more accurately predict fraud associated with a specific user and/or transaction. For example, the model may be configured to collect data as to what percentage of instances identified as potential fraud ended up being confirmed fraudulent users and/or transactions. The model may be trained to dynamically adjust the threshold based on such analysis.
In block 114, responsive to determining the likelihood does not exceed the predetermined threshold, the data correlation system 220 may authorize the transaction. For example, the system may allow the transaction to proceed without interruption and/or may take action to aid in completing the transaction, e.g., may transmit notification of the pending transaction to a server for authorization.
In block 116, responsive to determining the likelihood exceeds the predetermined threshold, the data correlation system 220 may conduct one or more fraud prevention actions. In some embodiments, the fraud prevention action(s) may include causing the user device to display a notification via a GUI, such as a pop-up notification to alert the user that the transaction and/or merchant may be risky. In some embodiments, the fraud prevention action(s) may include transmitting a prompt to the user device requesting the user enter a primary card number associated with the VCN and/or generate a new VCN. For example, if the user is attempting to complete the transaction using a VCN (e.g., a temporary card number as a proxy for the user's primary card number), the system may request the user either enter the associated primary card number or generate a new VCN to reduce the likelihood that the user will experience some fraud and/or other security issue with respect to the initially entered VCN. In some embodiments, the fraud prevention action(s) may include transmitting an authentication request to a secondary device associated with the user, for example, such that the user must complete a multi-factor authentication process to proceed with the transaction. In some embodiments, the fraud prevention action(s) may include transmitting a notification to the user informing the user that the VCN will be rotated to a new VCN after completing the pending transaction, and/or informing the user that the system has already automatically generated a new VCN for the user to use for completing the pending transaction. In some embodiments, the fraud prevention action(s) may include modifying a spending and/or credit limit associated with the VCN.
In some embodiments, the one or more fraud prevention action(s) may include a modification to a GUI. For example, the system may be configured to redirect the user to a new tab on the webpage. Redirecting the user to a new tab may aid in bypassing a particular step in the pathway that the system has identified as potentially risky. In some embodiments, the one or more fraud prevention action(s) may include modifying a GUI of the webpage by changing a placement of one or more user input objects. For example, in a situation where the system detects a potentially fraudulent user (e.g., a bot), modifying the layout of the GUI with respect to the size, number, placement, etc., of the user input object(s) may aid in preventing or reducing the likelihood of a fraudulent action being taken within the GUI. In some embodiments, the one or more fraud prevention action(s) may include redirecting one or more second users around the webpage. For example, if the system detects a specific webpage may be fraudulent based on conducting the above-described fraud analysis with respect to a first user, the system may be prepared to subsequently direct other users around that webpage to reduce the likelihood that those other users experience similar fraud.
In certain example implementations, the data correlation system 220 may be a single server or may be configured as a distributed computer system including multiple servers or computers that interoperate to perform one or more of the processes and functionalities associated with the disclosed embodiments. In some embodiments data correlation system 220 may be one or more servers from a serverless or scaling server system. In some embodiments, the data correlation system 220 may further include a peripheral interface, a transceiver, a mobile network interface in communication with the processor 210, a bus configured to facilitate communication between the various components of the data correlation system 220, and a power source configured to power one or more components of the data correlation system 220.
A peripheral interface, for example, may include the hardware, firmware and/or software that enable(s) communication with various peripheral devices, such as media drives (e.g., magnetic disk, solid state, or optical disk drives), other processing devices, or any other input source used in connection with the disclosed technology. In some embodiments, a peripheral interface may include a serial port, a parallel port, a general-purpose input and output (GPIO) port, a game port, a universal serial bus (USB), a micro-USB port, a high-definition multimedia interface (HDMI) port, a video port, an audio port, a Bluetooth™ port, an NFC port, another like communication interface, or any combination thereof.
In some embodiments, a transceiver may be configured to communicate with compatible devices and ID tags when they are within a predetermined range. A transceiver may be compatible with one or more of: radio-frequency identification (RFID), NFC, Bluetooth™, low-energy Bluetooth™ (BLE), WiFi™, ZigBee™, ambient backscatter communications (ABC) protocols or similar technologies.
A mobile network interface may provide access to a cellular network, the Internet, or another wide-area or local area network. In some embodiments, a mobile network interface may include hardware, firmware, and/or software that allow(s) the processor(s) 210 to communicate with other devices via wired or wireless networks, whether local or wide area, private or public, as known in the art. A power source may be configured to provide an appropriate alternating current (AC) or direct current (DC) to power components.
The processor 210 may include one or more of a microprocessor, microcontroller, digital signal processor, co-processor or the like or combinations thereof capable of executing stored instructions and operating upon stored data. The memory 230 may include, in some implementations, one or more suitable types of memory (e.g. such as volatile or non-volatile memory, random access memory (RAM), read only memory (ROM), programmable read-only memory (PROM), erasable programmable read-only memory (EPROM), electrically erasable programmable read-only memory (EEPROM), magnetic disks, optical disks, floppy disks, hard disks, removable cartridges, flash memory, a redundant array of independent disks (RAID), and the like), for storing files including an operating system, application programs (including, for example, a web browser application, a widget or gadget engine, and or other applications, as necessary), executable instructions and data. In one embodiment, the processing techniques described herein may be implemented as a combination of executable instructions and data stored within the memory 230.
The processor 210 may be one or more known processing devices, such as, but not limited to, a microprocessor from the Core™ family manufactured by Intel™, the Ryzen™ family manufactured by AMD™, or a system-on-chip processor using an ARM™ or other similar architecture. The processor 210 may constitute a single core or multiple core processor that executes parallel processes simultaneously, a central processing unit (CPU), an accelerated processing unit (APU), a graphics processing unit (GPU), a microcontroller, a digital signal processor (DSP), a field-programmable gate array (FPGA), an application-specific integrated circuit (ASIC) or another type of processing component. For example, the processor 210 may be a single core processor that is configured with virtual processing technologies. In certain embodiments, the processor 210 may use logical processors to simultaneously execute and control multiple processes. The processor 210 may implement virtual machine (VM) technologies, or other similar known technologies to provide the ability to execute, control, run, manipulate, store, etc. multiple software processes, applications, programs, etc. One of ordinary skill in the art would understand that other types of processor arrangements could be implemented that provide for the capabilities disclosed herein.
In accordance with certain example implementations of the disclosed technology, the data correlation system 220 may include one or more storage devices configured to store information used by the processor 210 (or other components) to perform certain functions related to the disclosed embodiments. In one example, the data correlation system 220 may include the memory 230 that includes instructions to enable the processor 210 to execute one or more applications, such as server applications, network communication processes, and any other type of application or software known to be available on computer systems. Alternatively, the instructions, application programs, etc. may be stored in an external storage or available from a memory over a network. The one or more storage devices may be a volatile or non-volatile, magnetic. semiconductor, tape, optical, removable, non-removable, or other type of storage device or tangible computer-readable medium.
The data correlation system 220 may include a memory 230 that includes instructions that, when executed by the processor 210, perform one or more processes consistent with the functionalities disclosed herein. Methods, systems, and articles of manufacture consistent with disclosed embodiments are not limited to separate programs or computers configured to perform dedicated tasks. For example, the data correlation system 220 may include the memory 230 that may include one or more programs 250 to perform one or more functions of the disclosed embodiments. For example, in some embodiments, the data correlation system 220 may additionally manage dialogue and/or other interactions with the customer via a program 250.
The processor 210 may execute one or more programs 250 located remotely from the data correlation system 220. For example, the data correlation system 220 may access one or more remote programs that, when executed, perform functions related to disclosed embodiments.
The memory 230 may include one or more memory devices that store data and instructions used to perform one or more features of the disclosed embodiments. The memory 230 may also include any combination of one or more databases controlled by memory controller devices (e.g., server(s), etc.) or software, such as document management systems, Microsoft™ SQL databases, SharePoint™ databases, Oracle™ databases, Sybase™ databases, or other relational or non-relational databases. The memory 230 may include software components that, when executed by the processor 210, perform one or more processes consistent with the disclosed embodiments. In some embodiments, the memory 230 may include a database 260 for storing related data to enable the data correlation system 220 to perform one or more of the processes and functionalities associated with the disclosed embodiments.
The database 260 may include stored data relating to status data (e.g., average session duration data, location data, idle time between sessions, and/or average idle time between sessions) and historical status data. According to some embodiments, the functions provided by the database 260 may also be provided by a database that is external to the data correlation system 220, such as the database 316 as shown in
The data correlation system 220 may also be communicatively connected to one or more memory devices (e.g., databases) locally or through a network. The remote memory devices may be configured to store information and may be accessed and/or managed by the data correlation system 220. By way of example, the remote memory devices may be document management systems, Microsoft™ SQL database, SharePoint™ databases, Oracle™ databases, Sybase™ databases, or other relational or non-relational databases. Systems and methods consistent with disclosed embodiments, however, are not limited to separate databases or even to the use of a database.
The data correlation system 220 may also include one or more I/O devices 270 that may comprise one or more interfaces for receiving signals or input from devices and providing signals or output to one or more devices that allow data to be received and/or transmitted by the data correlation system 220. For example, the data correlation system 220 may include interface components, which may provide interfaces to one or more input devices, such as one or more keyboards, mouse devices, touch screens, track pads, trackballs, scroll wheels, digital cameras, microphones, sensors, and the like, that enable the data correlation system 220 to receive data from a user (such as, for example, via the user device 302).
In examples of the disclosed technology, the data correlation system 220 may include any number of hardware and/or software applications that are executed to facilitate any of the operations. The one or more I/O interfaces may be utilized to receive or collect data and/or user instructions from a wide variety of input devices. Received data may be processed by one or more computer processors as desired in various implementations of the disclosed technology and/or stored in one or more memory devices.
The data correlation system 220 may contain programs that train, implement, store, receive, retrieve, and/or transmit one or more MLMs. Machine learning models may include a neural network model, a large neural network, a large language model (LLM), a generative adversarial model (GAN), a recurrent neural network (RNN) model, a deep learning model (e.g., a long short-term memory (LSTM) model), a random forest model, a convolutional neural network (CNN) model, a support vector machine (SVM) model, logistic regression, XGBoost, and/or another machine learning model. Models may include an ensemble model (e.g., a model comprised of a plurality of models). In some embodiments, training of a model may terminate when a training criterion is satisfied. Training criterion may include a number of epochs, a training time, a performance metric (e.g., an estimate of accuracy in reproducing test data), or the like. The data correlation system 220 may be configured to adjust model parameters during training. Model parameters may include weights, coefficients, offsets, or the like. Training may be supervised or unsupervised.
The data correlation system 220 may be configured to train machine learning models by optimizing model parameters and/or hyperparameters (hyperparameter tuning) using an optimization technique, consistent with disclosed embodiments. Hyperparameters may include training hyperparameters, which may affect how training of the model occurs, or architectural hyperparameters, which may affect the structure of the model. An optimization technique may include a grid search, a random search, a gaussian process, a Bayesian process, a Covariance Matrix Adaptation Evolution Strategy (CMA-ES), a derivative-based search, a stochastic hill-climb, a neighborhood search, an adaptive random search, or the like. The data correlation system 220 may be configured to optimize statistical models using known optimization techniques.
Furthermore, the data correlation system 220 may include programs configured to retrieve, store, and/or analyze properties of data models and datasets. For example, data correlation system 220 may include or be configured to implement one or more data-profiling models. A data-profiling model may include machine learning models and statistical models to determine the data schema and/or a statistical profile of a dataset (e.g., to profile a dataset), consistent with disclosed embodiments. A data-profiling model may include an RNN model, a CNN model, or other machine-learning model.
The data correlation system 220 may include algorithms to determine a data type, key-value pairs, row-column data structure, statistical distributions of information such as keys or values, or other property of a data schema may be configured to return a statistical profile of a dataset (e.g., using a data-profiling model). The data correlation system 220 may be configured to implement univariate and multivariate statistical methods. The data correlation system 220 may include a regression model, a Bayesian model, a statistical model, a linear discriminant analysis model, or other classification model configured to determine one or more descriptive metrics of a dataset. For example, data correlation system 220 may include algorithms to determine an average, a mean, a standard deviation, a quantile, a quartile, a probability distribution function, a range, a moment, a variance, a covariance, a covariance matrix, a dimension and/or dimensional relationship (e.g., as produced by dimensional analysis such as length, time, mass, etc.) or any other descriptive metric of a dataset.
The data correlation system 220 may be configured to return a statistical profile of a dataset (e.g., using a data-profiling model or other model). A statistical profile may include a plurality of descriptive metrics. For example, the statistical profile may include an average, a mean, a standard deviation, a range, a moment, a variance, a covariance, a covariance matrix, a similarity metric, or any other statistical metric of the selected dataset. In some embodiments, data correlation system 220 may be configured to generate a similarity metric representing a measure of similarity between data in a dataset. A similarity metric may be based on a correlation, covariance matrix, a variance, a frequency of overlapping values, or other measure of statistical similarity.
The data correlation system 220 may be configured to generate a similarity metric based on data model output, including data model output representing a property of the data model. For example, data correlation system 220 may be configured to generate a similarity metric based on activation function values, embedding layer structure and/or outputs, convolution results, entropy, loss functions, model training data, or other data model output). For example, a synthetic data model may produce first data model output based on a first dataset and a produce data model output based on a second dataset, and a similarity metric may be based on a measure of similarity between the first data model output and the second-data model output. In some embodiments, the similarity metric may be based on a correlation, a covariance, a mean, a regression result, or other similarity between a first data model output and a second data model output. Data model output may include any data model output as described herein or any other data model output (e.g., activation function values, entropy, loss functions, model training data, or other data model output). In some embodiments, the similarity metric may be based on data model output from a subset of model layers. For example, the similarity metric may be based on data model output from a model layer after model input layers or after model embedding layers. As another example, the similarity metric may be based on data model output from the last layer or layers of a model.
The data correlation system 220 may be configured to classify a dataset. Classifying a dataset may include determining whether a dataset is related to another dataset. Classifying a dataset may include clustering datasets and generating information indicating whether a dataset belongs to a cluster of datasets. In some embodiments, classifying a dataset may include generating data describing the dataset (e.g., a dataset index), including metadata, an indicator of whether data element includes actual data and/or synthetic data, a data schema, a statistical profile, a relationship between the test dataset and one or more reference datasets (e.g., node and edge data), and/or other descriptive information. Edge data may be based on a similarity metric. Edge data may indicate a similarity between datasets and/or a hierarchical relationship (e.g., a data lineage, a parent-child relationship). In some embodiments, classifying a dataset may include generating graphical data, such as anode diagram, a tree diagram, or a vector diagram of datasets. Classifying a dataset may include estimating a likelihood that a dataset relates to another dataset, the likelihood being based on the similarity metric.
The data correlation system 220 may include one or more data classification models to classify datasets based on the data schema, statistical profile, and/or edges. A data classification model may include a convolutional neural network, a random forest model, a recurrent neural network model, a support vector machine model, or another machine learning model. A data classification model may be configured to classify data elements as actual data, synthetic data, related data, or any other data category. In some embodiments, data correlation system 220 is configured to generate and/or train a classification model to classify a dataset, consistent with disclosed embodiments.
The data correlation system 220 may also contain one or more prediction models. Prediction models may include statistical algorithms that are used to determine the probability of an outcome, given a set amount of input data. For example, prediction models may include regression models that estimate the relationships among input and output variables. Prediction models may also sort elements of a dataset using one or more classifiers to determine the probability of a specific outcome. Prediction models may be parametric, non-parametric, and/or semi-parametric models.
In some examples, prediction models may cluster points of data in functional groups such as “random forests.” Random Forests may comprise combinations of decision tree predictors. (Decision trees may comprise a data structure mapping observations about something, in the “branch” of the tree, to conclusions about that thing's target value, in the “leaves” of the tree.) Each tree may depend on the values of a random vector sampled independently and with the same distribution for all trees in the forest. Prediction models may also include artificial neural networks. Artificial neural networks may model input/output relationships of variables and parameters by generating a number of interconnected nodes which contain an activation function. The activation function of a node may define a resulting output of that node given an argument or a set of arguments. Artificial neural networks may generate patterns to the network via an ‘input layer’, which communicates to one or more “hidden layers” where the system determines regressions via weighted connections. Prediction models may additionally or alternatively include classification and regression trees, or other types of models known to those skilled in the art. To generate prediction models, the asset detection system may analyze information applying machine-learning methods.
While the data correlation system 220 has been described as one form for implementing the techniques described herein, other, functionally equivalent, techniques may be employed. For example, some or all of the functionality implemented via executable instructions may also be implemented using firmware and/or hardware devices such as application specific integrated circuits (ASICs), programmable logic arrays, state machines, etc. Furthermore, other implementations of the data correlation system 220 may include a greater or lesser number of components than those illustrated.
In some embodiments, a respective user may operate the user device 302. The user device 302 can include one or more of a mobile device, smart phone, smart device (e.g., smart speaker), general purpose computer, tablet computer, laptop computer, telephone, public switched telephone network (PSTN) landline, smart wearable device, voice command device, other mobile computing device, or any other device capable of communicating with the network 306 and ultimately communicating with one or more components of the fraud detection system 308. In some embodiments, the user device 302 may include or incorporate electronic communication devices for hearing or vision impaired users.
Users may include individuals such as, for example, subscribers, clients, prospective clients, or customers of an entity associated with an organization, such as individuals who have obtained, will obtain, or may obtain a product, service, or consultation from or conduct a transaction in relation to an entity associated with the fraud detection system 308. According to some embodiments, the user device 302 may include an environmental sensor for obtaining audio or visual data, such as a microphone and/or digital camera, a geographic location sensor for determining the location of the device, an input/output device such as a transceiver for sending and receiving data, a display for displaying digital images, one or more processors, and a memory in communication with the one or more processors.
The data correlation system 220 may include programs (scripts, functions, algorithms) to configure data for visualizations and provide visualizations of datasets and data models on the user device 302. This may include programs to generate graphs and display graphs. The data correlation system 220 may include programs to generate histograms, scatter plots, time series, or the like on the user device 302. The data correlation system 220 may also be configured to display properties of data models and data model training results including, for example, architecture, loss functions, cross entropy, activation function values, embedding layer structure and/or outputs, convolution results, node outputs, or the like on the user device 302.
The network 306 may be of any suitable type, including individual connections via the internet such as cellular or WiFi networks. In some embodiments, the network 306 may connect terminals, services, and mobile devices using direct connections such as RFID, NFC, Bluetooth™, BLE, WiFi™, ZigBee™, ABC protocols, USB, WAN, or LAN. Because the information transmitted may be personal or confidential, security concerns may dictate one or more of these types of connections be encrypted or otherwise secured. In some embodiments, however, the information being transmitted may be less personal, and therefore the network connections may be selected for convenience over security.
The network 306 may include any type of computer networking arrangement used to exchange data. For example, the network 306 may be the Internet, a private data network, virtual private network (VPN) using a public network, and/or other suitable connection(s) that enable(s) components in the system 300 environment to send and receive information between the components of the system 300. The network 306 may also include a PSTN and/or a wireless network.
The fraud detection system 308 may be associated with and optionally controlled by one or more entities such as a business, corporation, individual, partnership, or any other entity that provides one or more of goods, services, and consultations to individuals such as customers. In some embodiments, the fraud detection system 308 may be controlled by a third party on behalf of another business, corporation, individual, partnership. The fraud detection system 308 may include one or more servers and computer systems for performing one or more functions associated with products and/or services that the organization provides.
Web server 310 may include a computer system configured to generate and provide one or more websites accessible to customers, as well as any other individuals involved in accessing fraud detection system 308's normal operations. Web server 310 may include a computer system configured to receive communications from user device 302 via for example, a mobile application, a chat program, an instant messaging program, a voice-to-text program, an SMS message, email, or any other type or format of written or electronic communication. Web server 310 may have one or more processors 322 and one or more web server databases 324, which may be any suitable repository of website data. Information stored in web server 310 may be accessed (e.g., retrieved, updated, and added to) via local network 312 and/or network 306 by one or more devices or systems of system 300. In some embodiments, web server 310 may host websites or applications that may be accessed by the user device 302. For example, web server 310 may host a financial service provider website that a user device may access by providing an attempted login that are authenticated by the data correlation system 220. According to some embodiments, web server 310 may include software tools similar to those described with respect to user device 302 above, that may allow web server 310 to obtain network identification data from user device 302. The web server may also be hosted by an online provider of website hosting, networking, cloud, or backup services, such as Microsoft Azure™ or Amazon Web Services™.
The local network 312 may include any type of computer networking arrangement used to exchange data in a localized area, such as WiFi, Bluetooth™, Ethernet, and other suitable network connections that enable components of the fraud detection system 308 to interact with one another and to connect to the network 306 for interacting with components in the system 300 environment. In some embodiments, the local network 312 may include an interface for communicating with or linking to the network 306. In other embodiments, certain components of the fraud detection system 308 may communicate via the network 306, without a separate local network 306.
The fraud detection system 308 may be hosted in a cloud computing environment (not shown). The cloud computing environment may provide software, data access, data storage, and computation. Furthermore, the cloud computing environment may include resources such as applications (apps), VMs, virtualized storage (VS), or hypervisors (HYP). User device 302 may be able to access fraud detection system 308 using the cloud computing environment. User device 302 may be able to access fraud detection system 308 using specialized software. The cloud computing environment may eliminate the need to install specialized software on user device 302.
In accordance with certain example implementations of the disclosed technology, the fraud detection system 308 may include one or more computer systems configured to compile data from a plurality of sources, such as the data correlation system 220, web server 310, and/or the database 316. The data correlation system 220 may correlate compiled data, analyze the compiled data, arrange the compiled data, generate derived data based on the compiled data, and store the compiled and derived data in a database such as the database 316. According to some embodiments, the database 316 may be a database associated with an organization and/or a related entity that stores a variety of information relating to customers, transactions, ATM, and business operations. The database 316 may also serve as a back-up storage device and may contain data and information that is also stored on, for example, database 260, as discussed with reference to
Embodiments consistent with the present disclosure may include datasets. Datasets may comprise actual data reflecting real-world conditions, events, and/or measurements. However, in some embodiments, disclosed systems and methods may fully or partially involve synthetic data (e.g., anonymized actual data or fake data). Datasets may involve numeric data, text data, and/or image data. For example, datasets may include transaction data, financial data, demographic data, public data, government data, environmental data, traffic data, network data, transcripts of video data, genomic data, proteomic data, and/or other data. Datasets of the embodiments may be in a variety of data formats including, but not limited to, PARQUET, AVRO, SQLITE, POSTGRESQL, MYSQL, ORACLE, HADOOP, CSV, JSON, PDF, JPG, BMP, and/or other data formats.
Datasets of disclosed embodiments may have a respective data schema (e.g., structure), including a data type, key-value pair, label, metadata, field, relationship, view, index, package, procedure, function, trigger, sequence, synonym, link, directory, queue, or the like. Datasets of the embodiments may contain foreign keys, for example, data elements that appear in multiple datasets and may be used to cross-reference data and determine relationships between datasets. Foreign keys may be unique (e.g., a personal identifier) or shared (e.g., a postal code). Datasets of the embodiments may be “clustered.” for example, a group of datasets may share common features, such as overlapping data, shared statistical properties, or the like. Clustered datasets may share hierarchical relationships (e.g., data lineage).
The following example use case describes examples of a typical user flow pattern. This section is intended solely for explanatory purposes and not in limitation.
In one example, a system may be configured to monitor a user's web activity via a web browser extension. The browser extension may be configured to continuously gather the user's search history data, such as the specific webpages visited by the user, the amount of time spent on each webpage, and the like. Using this browser extension, the system may identify when the user has navigated to a merchant webpage on a user device, such as the user's personal mobile computer. The system may identify the merchant webpage based on, for example, metadata associated with the webpage. The system may then receive, via a GUI of the user device, a VCN the user intends to use to complete a transaction. For example, the user may enter the VCN into a text box labeled “card number” or “account number” on a checkout screen of the merchant webpage. The system may then utilize an MLM trained to analyze the collected search history data, as well as a searching session path (e.g., the ordering of webpages visited by the user and/or specific links clicked on by the user over a period of time leading up to initiating the transaction), to determine a likelihood of fraud associated with the transaction and/or the specific VCN being used. Responsive to determining the likelihood exceeds a predetermined threshold, the system may conduct one or more fraud prevention actions, such as transmitting a notification (e.g., a pop-up notification via the GUI) to the user requesting the user generate a new VCN to use for completing the transaction. Responsive to determining the likelihood does not exceed the predetermined threshold, the system may instead authorize the transaction and/or permit the transaction to be completed.
Clause 1: A system comprising: one or more processors; and 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: identify, using a web browser extension, that a user has navigated to a webpage on a user device; receive, via the webpage, data associated with a transaction; responsive to receiving the data: retrieve search history data corresponding to a searching session associated with the data; and identify a searching session path corresponding to the transaction; determine, using a machine learning model (MLM) and based on the search history data and the searching session path, a likelihood of fraud associated with the data; determine whether the likelihood exceeds a predetermined threshold; and responsive to determining the likelihood exceeds the predetermined threshold, conduct one or more fraud prevention actions.
Clause 2: The system of clause 1, wherein the search history data comprises one or more of a name of a webpage, a type of webpage, an order of webpages, a total amount of search time, a time period between webpage searches, metadata associated with the user device, or combinations thereof.
Clause 3: The system of clause 1, wherein the searching session is based on one or more of browsing time, number of clicks, number of webpages visited, or combinations thereof.
Clause 4: The system of clause 1, wherein the searching session path comprises one or more steps the user has taken to navigate to the webpage.
Clause 5: The system of clause 1, wherein the data comprises a virtual card number (VCN).
Clause 6: The system of clause 5, wherein the one or more fraud prevention actions comprise one or more of: causing the user device to display, via a graphical user interface (GUI), a first notification, transmitting a first prompt to the user device requesting the user enter a primary card number associated with the VCN, transmitting a second prompt to the user device requesting the user generate a new VCN, transmitting an authentication request to a secondary device associated with the user, modifying a spending limit associated with the VCN, or combinations thereof.
Clause 7: The system of clause 5, wherein the one or more fraud prevention actions comprise one or more of: redirecting the user to a new tab on the webpage, modifying a GUI of the webpage by changing a placement of one or more user input objects, redirecting one or more second users around the webpage, or combinations thereof.
Clause 8: The system of clause 1, wherein the MLM is trained via federated learning.
Clause 9: The system of clause 1, wherein the instructions are further configured to cause the system to: responsive to determining the likelihood does not exceed the predetermined threshold, authorize the transaction.
Clause 10: A system comprising: one or more processors; and 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 data associated with a transaction being conducted by a user on a webpage via a user device; responsive to receiving the data: retrieve search history data corresponding to a searching session associated with the data; and identify a searching session path corresponding to the transaction; determine, using a machine learning model (MLM) and based on the search history data and the searching session path, a likelihood of fraud associated with the data; determine whether the likelihood exceeds a predetermined threshold; and responsive to determining the likelihood exceeds the predetermined threshold, conduct one or more fraud prevention actions.
Clause 11: The system of clause 10, wherein the one or more fraud prevention actions comprise one or more of: causing the user device to display, via a graphical user interface (GUI), a first notification, transmitting a first prompt to the user device requesting the user enter a primary card number, transmitting a second prompt to the user device requesting the user generate a virtual card number (VCN) for completing the transaction, transmitting an authentication request to a secondary device associated with the user, restricting a spending limit associated with the transaction, or combinations thereof.
Clause 12: The system of clause 10, wherein the one or more fraud prevention actions comprise one or more of: redirecting the user to a new tab on the webpage, modifying a GUI of the webpage by changing a placement of one or more user input objects, redirecting one or more second users around the webpage, or combinations thereof.
Clause 13: The system of clause 10, wherein the MLM is trained to identify one or more correlations between the search history data, the searching session path, and/or the data to determine the likelihood of fraud.
Clause 14: A system comprising: one or more processors; and 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 data associated with a transaction being conducted by a user on a webpage via a user device; retrieve search history data corresponding to a searching session associated with the data; identify a searching session path corresponding to the transaction; determine, using a machine learning model (MLM) and based on the search history data and the searching session path, a likelihood of fraud associated with the data; determine whether the likelihood exceeds a predetermined threshold; and responsive to determining the likelihood exceeds the predetermined threshold, conduct one or more fraud prevention actions.
Clause 15: The system of clause 14, wherein the instructions are further configured to: identify, using a web browser extension, that the user has navigated to the webpage on the user device, wherein retrieving the search history data and identifying the searching session path are responsive to identifying that the user has navigated to the webpage.
Clause 16: The system of clause 14, wherein the one or more fraud prevention actions comprise one or more of: causing the user device to display, via a graphical user interface (GUI), a first notification, transmitting a first prompt to the user device requesting the user enter a primary card number, transmitting a second prompt to the user device requesting the user generate a virtual card number (VCN) for completing the transaction, transmitting an authentication request to a secondary device associated with the user, restricting a spending limit associated with the transaction, or combinations thereof.
Clause 17: The system of clause 14, wherein the one or more fraud prevention actions comprise one or more of: redirecting the user to a new tab on the webpage, modifying a GUI of the webpage by changing a placement of one or more user input objects, redirecting one or more second users around the webpage, or combinations thereof.
Clause 18: The system of clause 14, wherein the search history data comprises one or more of a name of a webpage, a type of webpage, an order of webpages, a total amount of search time, a time period between webpage searches, metadata associated with the user device, or combinations thereof.
Clause 19: The system of clause 14, wherein the searching session is based on one or more of browsing time, number of clicks, number of webpages visited, or combinations thereof.
Clause 20: The system of clause 14, wherein the searching session path comprises one or more steps the user has taken to navigate to the webpage.
The features and other aspects and principles of the disclosed embodiments may be implemented in various environments. Such environments and related applications may be specifically constructed for performing the various processes and operations of the disclosed embodiments or they may include a general-purpose computer or computing platform selectively activated or reconfigured by program code to provide the necessary functionality. Further, the processes disclosed herein may be implemented by a suitable combination of hardware, software, and/or firmware. For example, the disclosed embodiments may implement general purpose machines configured to execute software programs that perform processes consistent with the disclosed embodiments. Alternatively, the disclosed embodiments may implement a specialized apparatus or system configured to execute software programs that perform processes consistent with the disclosed embodiments. Furthermore, although some disclosed embodiments may be implemented by general purpose machines as computer processing instructions, all or a portion of the functionality of the disclosed embodiments may be implemented instead in dedicated electronics hardware.
The disclosed embodiments also relate to tangible and non-transitory computer readable media that include program instructions or program code that, when executed by one or more processors, perform one or more computer-implemented operations. The program instructions or program code may include specially designed and constructed instructions or code, and/or instructions and code well-known and available to those having ordinary skill in the computer software arts. For example, the disclosed embodiments may execute high level and/or low-level software instructions, such as machine code (e.g., such as that produced by a compiler) and/or high-level code that can be executed by a processor using an interpreter.
The technology disclosed herein typically involves a high-level design effort to construct a computational system that can appropriately process unpredictable data. Mathematical algorithms may be used as building blocks for a framework, however certain implementations of the system may autonomously learn their own operation parameters, achieving better results, higher accuracy, fewer errors, fewer crashes, and greater speed.
As used in this application, the terms “component,” “module,” “system,” “server,” “processor,” “memory.” and the like are intended to include one or more computer-related units, such as but not limited to hardware, firmware, a combination of hardware and software, software, or software in execution. For example, a component may be, but is not limited to being, a process running on a processor, an object, an executable, a thread of execution, a program, and/or a computer. By way of illustration, both an application running on a computing device and the computing device can be a component. One or more components can reside within a process and/or thread of execution and a component may be localized on one computer and/or distributed between two or more computers. In addition, these components can execute from various computer readable media having various data structures stored thereon. The components may communicate by way of local and/or remote processes such as in accordance with a signal having one or more data packets, such as data from one component interacting with another component in a local system, distributed system, and/or across a network such as the Internet with other systems by way of the signal.
Certain embodiments and implementations of the disclosed technology are described above with reference to block and flow diagrams of systems and methods and/or computer program products according to example embodiments or implementations of the disclosed technology. It will be understood that one or more blocks of the block diagrams and flow diagrams, and combinations of blocks in the block diagrams and flow diagrams, respectively, can be implemented by computer-executable program instructions. Likewise, some blocks of the block diagrams and flow diagrams may not necessarily need to be performed in the order presented, may be repeated, or may not necessarily need to be performed at all, according to some embodiments or implementations of the disclosed technology.
These computer-executable program instructions may be loaded onto a general-purpose computer, a special-purpose computer, a processor, or other programmable data processing apparatus to produce a particular machine, such that the instructions that execute on the computer, processor, or other programmable data processing apparatus create means for implementing one or more functions specified in the flow diagram block or blocks. These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means that implement one or more functions specified in the flow diagram block or blocks.
As an example, embodiments or implementations of the disclosed technology may provide for a computer program product, including a computer-usable medium having a computer-readable program code or program instructions embodied therein, said computer-readable program code adapted to be executed to implement one or more functions specified in the flow diagram block or blocks. Likewise, the computer program instructions may be loaded onto a computer or other programmable data processing apparatus to cause a series of operational elements or steps to be performed on the computer or other programmable apparatus to produce a computer-implemented process such that the instructions that execute on the computer or other programmable apparatus provide elements or steps for implementing the functions specified in the flow diagram block or blocks.
Accordingly, blocks of the block diagrams and flow diagrams support combinations of means for performing the specified functions, combinations of elements or steps for performing the specified functions, and program instruction means for performing the specified functions. It will also be understood that each block of the block diagrams and flow diagrams, and combinations of blocks in the block diagrams and flow diagrams, can be implemented by special-purpose, hardware-based computer systems that perform the specified functions, elements or steps, or combinations of special-purpose hardware and computer instructions.
Certain implementations of the disclosed technology described above with reference to user devices may include mobile computing devices. Those skilled in the art recognize that there are several categories of mobile devices, generally known as portable computing devices that can run on batteries but are not usually classified as laptops. For example, mobile devices can include, but are not limited to portable computers, tablet PCs, internet tablets, PDAs, ultra-mobile PCs (UMPCs), wearable devices, and smart phones. Additionally, implementations of the disclosed technology can be utilized with internet of things (IoT) devices, smart televisions and media devices, appliances, automobiles, toys, and voice command devices, along with peripherals that interface with these devices.
In this description, numerous specific details have been set forth. It is to be understood, however, that implementations of the disclosed technology may be practiced without these specific details. In other instances, well-known methods, structures, and techniques have not been shown in detail in order not to obscure an understanding of this description. References to “one embodiment,” “an embodiment,” “some embodiments,” “example embodiment,” “various embodiments,” “one implementation,” “an implementation,” “example implementation,” “various implementations,” “some implementations,” etc., indicate that the implementation(s) of the disclosed technology so described may include a particular feature, structure, or characteristic, but not every implementation necessarily includes the particular feature, structure, or characteristic. Further, repeated use of the phrase “in one implementation” does not necessarily refer to the same implementation, although it may.
Throughout the specification and the claims, the following terms take at least the meanings explicitly associated herein, unless the context clearly dictates otherwise. The term “connected” means that one function, feature, structure, or characteristic is directly joined to or in communication with another function, feature, structure, or characteristic. The term “coupled” means that one function, feature, structure, or characteristic is directly or indirectly joined to or in communication with another function, feature, structure, or characteristic. The term “or” is intended to mean an inclusive “or.” Further, the terms “a,” “an,” and “the” are intended to mean one or more unless specified otherwise or clear from the context to be directed to a singular form. By “comprising” or “containing” or “including” is meant that at least the named element, or method step is present in article or method, but does not exclude the presence of other elements or method steps, even if the other such elements or method steps have the same function as what is named.
It is to be understood that the mention of one or more method steps does not preclude the presence of additional method steps or intervening method steps between those steps expressly identified. Similarly, it is also to be understood that the mention of one or more components in a device or system does not preclude the presence of additional components or intervening components between those components expressly identified.
Although embodiments are described herein with respect to systems or methods, it is contemplated that embodiments with identical or substantially similar features may alternatively be implemented as systems, methods and/or non-transitory computer-readable media.
As used herein, unless otherwise specified, the use of the ordinal adjectives “first,” “second,” “third,” etc., to describe a common object, merely indicates that different instances of like objects are being referred to, and is not intended to imply that the objects so described must be in a given sequence, either temporally, spatially, in ranking, or in any other manner.
While certain embodiments of this disclosure have been described in connection with what is presently considered to be the most practical and various embodiments, it is to be understood that this disclosure is not to be limited to the disclosed embodiments, but on the contrary, is intended to cover various modifications and equivalent arrangements included within the scope of the appended claims. Although specific terms are employed herein, they are used in a generic and descriptive sense only and not for purposes of limitation.
This written description uses examples to disclose certain embodiments of the technology and also to enable any person skilled in the art to practice certain embodiments of this technology, including making and using any apparatuses or systems and performing any incorporated methods. The patentable scope of certain embodiments of the technology is defined in the claims, and may include other examples that occur to those skilled in the art. Such other examples are intended to be within the scope of the claims if they have structural elements that do not differ from the literal language of the claims, or if they include equivalent structural elements with insubstantial differences from the literal language of the claims.
