Patent ID: 11900384
Assignee: PAYPAL, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 13:
14. A method, comprising:
receiving, at a computer system, an indication that an uncategorized electronic transaction has been initiated by a specific user account via a user computing device, wherein the uncategorized electronic transaction was initiated at a particular time of day via the user computing device;
calculating a first position on a 2D coordinate plane by mapping the particular time of day to the 2D coordinate plane;
based on the first position on the 2D coordinate plane, using a transaction probability distribution map to determine a particular likelihood of an authorized user of the specific user account having initiated the uncategorized electronic transaction at the particular time of day, wherein the transaction probability distribution map was created using operations comprising:
generating a plurality of two-dimensional (2D) time coordinates corresponding to a plurality of positions on a 2D coordinate plane, wherein each of the plurality of 2D time coordinates is based on a respective transaction of a plurality of electronic transactions, wherein the plurality of electronic transactions comprise electronic transactions initiated by one or more particular user accounts of a group of one or more user accounts including a first user account, and wherein generating the plurality of 2D time coordinates comprises mapping a time of day for each of the plurality of electronic transactions to a position on the 2D coordinate plane; and
creating the transaction probability distribution map based on the plurality of 2D time coordinates, wherein the transaction probability distribution map is indicative of a likelihood of occurrence of a transaction initiated by one of the group of user accounts for a given time of day;

generating a transaction risk score based on a transaction risk model and the particular likelihood of the authorized user having initiated the uncategorized electronic transaction at the particular time of day;
determining whether to authorize or deny the uncategorized electronic transaction based on the transaction risk score; and
transmitting an indication of whether the uncategorized electronic transaction is authorized or denied.