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

Claim 1:
2. A method comprising:
automatically generating a first model using account event parameters of a previous account event performed by a user in an account, via an online financial institution system, wherein the first model includes distributions of the account event parameters;
receiving observed account event parameters of a next account event in the online financial institution system wherein the previous account event and the next account event are at least one of: an online event, an offline event or a multiple-channel event;
generating a first probability using the first model, wherein the first probability corresponds to the user conducting the next account event in the online financial institution system;
generating a second probability using a second model, wherein the second probability corresponds to a fraudster conducting the next account event in the online financial institution system, wherein the fraudster is a person other than the user; and
using the first probability and the second probability, generating a likelihood the next account event in the online financial institution system is performed by the user versus the fraudster;
wherein generating the first model includes generating statistical relationships between the account 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 to the online financial institution system, a location of the device, an identification of the device, and an electronic service provider of the device.