Patent ID: 11961086
Assignee: CAPITAL ONE SERVICES, LLC
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 14:
15. A non-transitory computer-readable medium storing a set of instructions, the set of instructions comprising:
one or more instructions that, when executed by one or more processors of a first device, cause the first device to:
receive transaction data relating to a transaction conducted by a user associated with a second device associated with a transaction;
receive, from the second device, a first set of nervousness data relating to a measure of nervousness of the user during the transaction;
receive, from the second device, a second set of nervousness data relating to the measure of nervousness of the user during the transaction;
process the transaction data, the first set of nervousness data, and the second set of nervousness data, with a fraud detection model, to calculate a fraud score associated with the transaction; and
perform one or more actions based on the fraud score, wherein the one or more actions comprise at least one of:
provide, to the second device, a notification authorizing the transaction when the fraud score fails to satisfy a threshold score,
provide, to the second device, a notification declining the transaction when the fraud score satisfies the threshold score,
provide a notification when the fraud score satisfies the threshold score,
provide the fraud score to a device associated with a financial institution related to the second device when the fraud score satisfies the threshold score,
cause law enforcement to be notified of a location of the user when the fraud score satisfies the threshold score, or
retrain the fraud detection model based on the fraud score.