Patent ID: 11922376
Assignee: CAPITAL ONE SERVICES, LLC
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 19:
20. A computer-implemented method for using a transaction to collect additional transaction information, the method comprising:
receiving, by a processor, a stream of transaction information including a list of transactions made by a user for one or more products and/or services from a payment method associated with the user;
when a new transaction of one or more products and/or services made by the user is received and added to the list of transactions, scanning, by the processor, one or more user accounts of the user to determine whether a transaction price for the new transaction and/or transaction prices for other transactions within the list of transactions made by the user are identifiable within at least one of the one or more user accounts, wherein only a portion of information included in the one or more user accounts is scanned, the portion being associated with a time from a time when the new transaction is received to a time of a most recent previous scanning that was performed when a previous transaction was received; and
in response to identifying the transaction price for the new transaction and/or one or more of the transaction prices for one or more of the other transactions within at least one of the one or more user accounts based on the scanning, for each of the new transaction and/or the one or more of the transactions having a respective transaction price identified:
tracking, by the processor, prices for the one or more products and/or services; and
based on the tracked prices, automatically generating and submitting, by the processor, a price adjustment claim for the one or more products and/or services when a price lower than the respective transaction price for the one or more products and/or services is found by the processor; or

in response to failing to identify the transaction price for the new transaction and/or the one or more of the transaction prices for the one or more of the other transactions within any of the one or more user accounts based on the scanning, for each of the new transaction and/or the one or more of the transactions not having a respective transaction price identified, automatically generating and submitting a fraud claim indicating the respective transaction as a potentially fraudulent transaction.