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

Claim 11:
12. A computer system for using a transaction to collect additional transaction information, comprising:
at least one memory having processor-readable instructions stored therein; and
at least one processor configured to access the at least one memory and execute the processor-readable instructions, which when executed by the at least one processor configures the at least one processor to perform a plurality of functions, including functions for:
receiving transaction information indicating that a transaction of one or more products and/or services has been made by a user from a merchant;
when the transaction information is received, scanning one or more user accounts of the user to determine whether one or more transaction prices for one or more transactions of one or more products and/or services made by the user are identifiable within the one or more user accounts, including at least a transaction price for the transaction for which the transaction information is received, 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 transaction information is received to a time of a most recent previous scanning that was performed when previous transaction information was received;
for each of the one or more transactions of the one or more products and/or services made by the user having a respective transaction price identified within at least one of the one or more user accounts based on the scanning:
tracking prices for the one or more products and/or services; and
based on the tracked prices, automatically generating and submitting 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 at least one processor; and

for each of the one or more transactions of the one or more products and/or services made by the user having a respective transaction price that is not identified within any of the one or more user accounts based on the scanning, automatically generating and submitting a fraud claim indicating the respective transaction as a potentially fraudulent transaction.