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US Patent 11978064 Identifying false positive geolocation-based fraud alerts

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Is a
Patent
Patent
0

Patent attributes

Patent Jurisdiction
United States Patent and Trademark Office
United States Patent and Trademark Office
0
Patent Number
119780640
Patent Inventor Names
Puneit Dua0
Miriam Valero0
Russell Ruestman0
Elizabeth A. Flowers0
Bradley A. Craig0
Shanna L. Phillips0
Reena Batra0
Timothy Kramme0
Date of Patent
May 7, 2024
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Patent Application Number
177455410
Date Filed
May 16, 2022
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Patent Citations
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US Patent 9947055 System and method for monitoring merchant transactions using aggregated financial data
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US Patent 10037532 Systems and methods for detecting transaction card fraud based on geographic patterns of purchases
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US Patent 10043071 Automated document classification
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US Patent 10169761 Adjustment of knowledge-based authentication
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US Patent 10373140 Method and system for detecting fraudulent bill payment transactions using dynamic multi-parameter predictive modeling
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US Patent 10373160 Fraud alerting using mobile phone location
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US Patent 10452908 Document fraud detection
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US Patent 10565585 Method and system for identifying linked cards from authorization records
0
...
Patent Primary Examiner
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Kito R Robinson
0
Patent abstract

In a computer-implemented method of using customer data to determine that geolocation-based fraud alerts are false positives, it may be determined that an electronic fraud alert is a geolocation-based alert generated based upon an unexpected or abnormal transaction location. In response, customer data may be obtained from two or more sources via radio frequency links. It may then be determined that the customer data from the sources indicates that a customer is traveling. In response, it may be determined that a customer location indicated by the customer data corresponds to the transaction location. In response to determining that the customer location corresponds to the transaction location, the electronic fraud alert may be marked as a false positive, and the electronic fraud alert may be prevented from being transmitted to a mobile device of the customer, in order to reduce an amount of false positives that are transmitted to customers.

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