Patent ID: 11961085
Assignee: CAPITAL ONE SERVICES, LLC
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 3:
4. The system of claim 1, wherein the one or more fraud prevention actions to authenticate the customer comprise one or more of:
algorithmically identify, using a machine learning model trained to recognize a behavior pattern of a customer based on past purchase data, a known gas-station transaction geographic region for the customer based on prior gas-station transactions associated with the customer;
determining, with the machine learning model, whether the customer is travelling based on previous purchase transaction information;
determining, with the machine learning model, a recent geographic location of the customer based on one or more recent non-gas-station transactions associated with the customer; and
determining, with the machine learning model, whether the recent geographic location of the customer is within a predetermined distance threshold of the merchant location.