Patent ID: 11928684
Assignee: CAPITAL ONE SERVICES, LLC
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 10:
11. A system comprising:
at least one processor configured to execute software instructions causing the at least one processor to perform steps to:
receive an application open event indicator indicating an application open event;
wherein the application open event comprises a user selection to open a software application installed on an operating system of a user computing device associated with the user;

log the application open event indicator so as to establish a start of an open period of the application;
wherein the application open event indicator indicates a user intended profile activity authorization request;

receive a profile activity authorization request associated with a user profile of the user;
wherein the profile activity authorization request comprises:
i) a time-stamp associated with a profile activity,
ii) a profile identifier identifying the user profile associated with the profile activity, and
iii) a value associated with the profile activity;

access the application open event indicator and the application open event indicator;
determine the profile activity authorization request is the user intended profile activity authorization request based at least in part on the profile activity authorization request being concurrent with the open period associated with an open time stamp of the application open event of the software application on the user device;
select a reduced set of fraud checks within a full set of fraud checks where the time-stamp associated with the profile activity is within the open period of the software application;
execute the reduced set of fraud checks;
generate a fraud determination based on the execution of the reduced set of fraud checks; and
generate an authorization notification for the profile activity authorization request based on the fraud determination.