Patent ID: 11961095
Assignee: GUARDIAN ANALYTICS, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 4:
5. A computer program product comprising a non-transitory computer usable medium having computer readable program code embodied therein, the computer readable program code comprising instructions for:
generating a first model using event parameters of at least one account event in an account of a user via an online financial institution system, wherein the at least one account event in the account is at least one of: an online event, an offline event or a multiple-channel event;
using the first model, predicting expected behavior of the user during a future account event in the account in the online financial institution system;
generating fraud event parameters using a second model; and
generating with the first model and the second model a probability the future account event is performed by the user in the online financial institution system;
wherein generating the first model includes generating statistical relationships between the event parameters and derived parameters corresponding to the account, and wherein the derived parameters include one or more of a geographic area from which a device is initiating the future account event, in the online financial institution system a location of the device, an identification of the device, and an electronic service provider of the device.