Patent ID: 11861620
Assignee: WELLS FARGO BANK, N.A.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 14:
15. A method comprising:
executing, on a processor, instructions that cause the processor to perform operations comprising:
determining a financial transaction of an application is fraudulent by comparing one or more fraudulent activity triggers to a predetermined parameter indicating fraud, wherein one or more of the predetermined parameters includes metadata describing a type of financial transaction, metadata describing a location of the financial transaction, or metadata describing a device on which the financial transaction was requested;
transitioning the application to a fraudulent activity mode in response to determining the financial transaction is fraudulent, wherein the financial transaction is logged and the financial transaction is held, such that when a first user, while logged into a financial account, performs an action deemed fraudulent, any potentially fraudulent activity associated with the first user is held in the normal environment according to the fraudulent activity mode, but when a second user subsequently accesses the account, a shell environment falsely renders the actions performed by the first user as though the actions had been processed;
conveying, for display on a display device, a false appearance that the financial transaction has been processed; and
in response to determining the action is not fraudulent, transitioning the application to a default mode and executing the logged requested action in the normal environment; and
updating the shell environment to match the normal environment.