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

Claim 0:
1. A method comprising:
receiving, by at least one processor, 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;

logging, by the at least one processor, 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;

receiving, by the at least one processor, 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;

accessing, by the at least one processor, the application open event indicator and the application open event indicator;
determining, by the at least one processor, 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;
selecting, by the at least one processor, a reduced set of fraud checks within a full set of fraud checks when the time-stamp associated with the profile activity is within the open period of the software application;
executing, by the at least one processor, the reduced set of fraud checks;
generating, by the at least one processor, a fraud determination based on the execution of the reduced set of fraud checks; and
generating, by the at least one processor, an authorization notification for the profile activity authorization request based on the fraud determination.