Patent ID: 11961086
Assignee: CAPITAL ONE SERVICES, LLC
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 7:
8. A method, comprising:
receiving, by a first device, transaction data relating to a transaction conducted by a user associated with a second device associated with a transaction;
receiving, by the first device and from the second device, a first set of nervousness data relating to a measure of nervousness of the user during the transaction;
receiving, by the first device and from the second device, a second set of nervousness data relating to the measure of nervousness of the user during the transaction;
processing, by the first device, the transaction data, the first set of nervousness data, and the second set of nervousness data, with a fraud detection model, to calculate a fraud score associated with the transaction; and
performing, by the first device, one or more actions based on the fraud score, wherein the one or more actions comprise at least one of:
providing, to the second device, a notification authorizing the transaction when the fraud score fails to satisfy a threshold score,
providing, to the second device, a notification declining the transaction when the fraud score satisfies the threshold score,
providing a notification when the fraud score satisfies the threshold score,
providing the fraud score to a device associated with a financial institution related to the second device when the fraud score satisfies the threshold score,
causing law enforcement to be notified of a location of the user when the fraud score satisfies the threshold score, or
retraining the fraud detection model based on the fraud score.