Patent ID: 11961095
Assignee: GUARDIAN ANALYTICS, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 2:
3. A system comprising at least one processor configured for:
generating a first model using account event parameters of at least one account event in an account of a user via an online financial institution system, wherein the at least one account event in the account is at least one of: an online event, an offline event or a multiple-channel event;
using the first model, predicting expected behavior of the user during a future account event in the account, in the online financial institution system;
generating fraud event parameters using a second model; and
generating with the first model and the second model a probability the future account event is performed by the user, in the online financial institution system;
wherein generating the first model includes generating statistical relationships between the account event parameters and derived parameters corresponding to the account, and
wherein the derived parameters include one or more of a geographic area from which a device is initiating the future event in the online financial institution system, a location of the device, an identification of the device, and an electronic service provider of the device.