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

Claim 0:
1. A device, comprising:
one or more processors configured to:
receive transaction data relating to a transaction conducted by a user associated with a transaction card;
receive, from the transaction card, a first set of nervousness data relating to a measure of nervousness of the user during the transaction;
receive, from the transaction card, a second set of nervousness data relating to the measure of nervousness of the user during the transaction;
process 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
perform one or more actions based on the fraud score, wherein the one or more actions comprise at least one of:
providing, to the transaction card, a notification authorizing the transaction when the fraud score fails to satisfy a threshold score,
providing, to the transaction card, a notification declining the transaction when the fraud score satisfies the threshold score,
providing, to a client device of the user, a notification when the fraud score satisfies the threshold score,
providing the fraud score to a financial institution associated with the transaction card when the fraud score satisfies the threshold score,
causing law enforcement to be dispatched to a location of the user when the fraud score satisfies the threshold score, or
retraining the fraud detection model based on the fraud score.