Patent ID: 11915282
Assignee: CAPITAL ONE SERVICES, LLC
Field: IT methods for management (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 14:
15. A non-transitory computer-readable medium storing instructions, the instructions comprising:
one or more instructions that, when executed by one or more processors, cause the one or more processors to:
process unstructured data, associated with activity related to a user, to generate activity data associated with the activity,
wherein the unstructured data is received from at least one application operating on a device;

predict, based on a machine learning model that is trained to predict that the user is likely to purchase a particular type of product using the activity data, that the user is likely to purchase the particular type of product;
generate, based on predicting that the user is likely to purchase the particular type of product, a note associated with a potential transaction to purchase the particular type of product,
wherein the note associated with the potential transaction is removed after a threshold time period;

detect a transaction indicative of a purchase of a product associated with the particular type of product;
perform, based on the note associated with the potential transaction, a particular set of processes from one or more fraud analysis processes associated with the transaction; and
send, based on performing the particular set of processes, an authorization associated with the transaction.