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

Claim 15:
16. The non-transitory computer-readable medium of claim 15, wherein the one or more instructions, that cause the first device to process the transaction data, the first set of nervousness data, and the second set of nervousness data, cause the first device to:
increase the fraud score when the first set of nervousness data indicates that a hand of the user satisfies a shaking threshold during the transaction;
increase the fraud score when the second set of nervousness data indicates that a heart rate of the user satisfies a heart rate threshold during the transaction;
refrain from increasing the fraud score when the first set of nervousness data indicates that the hand of the user fails to satisfy the shaking threshold during the transaction; or
refrain from increasing the fraud score when the second set of nervousness data indicates that the heart rate of the user fails to satisfy the heart rate threshold during the transaction.