Patent ID: 11961085
Assignee: CAPITAL ONE SERVICES, LLC
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 19:
20. A non-transitory computer-readable storage medium storing instructions that are configured to cause one or more processors to perform a method of:
receiving, from a merchant point-of-sale terminal, an electronic transaction request to complete a gas-station transaction using a financial account associated with a customer;
algorithmically identifying, using a machine learning model trained to recognize a behavior pattern of the customer based on past purchase data, a known gas-station transaction geographic region for the customer based on prior gas-station transactions associated with the customer;
setting a spend limit based on a single transaction limit, wherein the single transaction limit is based on one or more of:
a tank size of a vehicle associated with the customer;
a fuel economy of the vehicle associated with the customer; and
a fuel purchase amount and location history associate with the customer;

determining whether a merchant location falls within the known gas-station transaction geographic region;
approving, based at least in part on the behavior pattern of the customer, a transaction request up to the spend limit when the merchant location falls within the known gas-station transaction geographic region; and
performing one or more fraud prevention actions to authenticate the customer when the merchant location falls outside of the known gas-station transaction geographic region.