US 11,308,496 B2Granted

Method, medium, and system for fraud prevention based on user activity data

AssigneeGoogle Inc.

InventorMathew Cowan

Life of this patent

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Abstract

A user conducts activities, such as researching a product online or visiting a store that sells the product. A user then utilizes a risk analysis system to receive and store user activity data for the user's activities. When a purchase attempt is made with the user's financial account, a merchant sends a transaction request to the risk analysis system. The risk analysis system locates a record for the user and determines whether the product is identified in the user activity data. If the product is identified, the risk analysis system provides a risk score to the merchant indicating that the transaction is unlikely fraudulent. Alternatively, identification of the product provides a positive factor among multiple factors considered in a transaction risk analysis. An absence of the product in the activity can be used as a neutral or negative factor among multiple factors considered in a risk analysis of the transaction.

Claims20

Dependent claims

A computer-implemented method to reduce fraud in online transactions by correlating shopping behaviors of users with product identification information associated with products being purchased in the online transactions, comprising:

logging, by one or more computing devices, user activity data, the user activity data comprising one or more elements associated with products and services;
associating, by the one or more computing devices, the user activity data with a record for the user;
receiving, by the one or more computing devices, a request from an online merchant computing system, wherein the request identifies a product for a transaction involving an account of the user and provides information sufficient to identify the record of the user;
comparing, by the one or more computing devices, the one or more elements of the user activity data with one or more features of the product;
determining, by the one or more computing devices, based on the comparison, that one or more elements of the user activity data is a match with of one or more features of the product;
and
determining, by the one or more computing devices, a risk indicator for the transaction based on the match of the one or more elements of the user activity data to the one or more features of the product, wherein the determined risk indicator is lower based on the presence of one or more matches between the one or more elements of the user activity data and the one or more features of the product, and wherein a lower risk indicator is associated with a transaction that has a lower risk of fraud and a higher risk indicator is associated with a transaction that has a higher risk of fraud.

4 more elements

A system to correlate user activity data with transaction information to reduce fraud in online transactions by correlating shopping behaviors of users with product identification information associated with products being purchased in the online transactions, comprising:

a storage device;
a processor communicatively coupled to the storage device, wherein the processor executes application code instructions that are stored in the storage device to cause the system to:
receive user activity data associated with a user, wherein the user activity data comprises one or more elements associated with products and services;
associate the user activity data with a record for the user;
receive a purchase transaction request from a computing system, wherein the purchase transaction request identifies a product for a purchase transaction involving a financial account of the user and provides information sufficient to identify the record of the user;
compare the one or more elements of the user activity data with one or more features of the product;
determine that one or more elements of the user activity data is a match with the one or more features of the product;
and
determine a risk indicator for the transaction based on the match of the one or more elements of the user activity data to the one or more features of the product, wherein the determined risk indicator is lower based on the presence of one or more matches between the one or more elements of the user activity data and the one or more features of the product, and wherein a low risk indicator is associated with a transaction that has a low risk of fraud and a high risk indicator is associated with a transaction that has a high risk of fraud.

6 more elements

A computer program product, comprising:

a non-transitory computer-readable storage device having computer-executable program instructions embodied thereon that when executed by a computer cause the computer to reduce fraud in online transactions by correlating shopping behaviors of users with product identification information associated with products being purchased in the online transactions, the computer-executable program instructions comprising:
computer-executable program instructions to receive user activity data associated with a user, wherein the user activity data comprises one or more elements associated with products and services;
computer-executable program instructions to associate the user activity data with a record for the user;
computer-executable program instructions to receive a purchase transaction request from a merchant computing system, wherein the purchase transaction request identifies a product for a purchase transaction involving a financial account of the user and provides information sufficient to identify the record of the user;
computer-executable program instructions to identify information in the record of the user based on the purchase transaction request;
computer-executable program instructions to compare the one or more elements of the user activity data with one or more features of the product;
computer-executable program instructions to determine that one or more elements of the user activity data matches one or more of the features of the product;
and
computer-executable program instructions to determine a risk indicator for the purchase transaction based on the match of the one or more elements of the user activity data to the one or more features of the product, wherein the determined risk indicator is lower based on the presence of one or more matches between the one or more elements of the user activity data and the one or more features of the product, and wherein a low risk indicator is associated with a transaction that has a low risk of fraud and a high risk indicator is associated with a transaction that has a high risk of fraud.

6 more elements

Dependencies are inferred from the claim text.

Facts

Application: 16/156,799Filed 10 Oct 2018 · continuation
Priority: 3 Jul 2013
Published: US 2019/0043056 A17 Feb 2019
Granted: 19 Apr 2022
Term ends: Not estimatedThe source records don’t support an estimate.

Classification4 codes

G06Q 20/4016
Transaction verification: involving fraud or risk level assessment in transaction processing
G06Q 20/12
Payment architectures: specially adapted for electronic shopping systems
G06Q 20/20
Payment architectures: point-of-sale [POS] network systems
G06Q
Information and communication technology [ict] specially adapted for administrative, commercial, financial, managerial

Family

Application13/935,400Parent of this continuation · filed 3 Jul 2013
Application15/675,492Parent of this continuation · filed 11 Aug 2017
US 2019/0043056 A1Pre-grant publication · published 7 Feb 2019
US 10,134,041 B2Parent of this continuation
US 9,811,830 B2Parent of this continuation
US 2016/0140561 A1Published application
US 2017/0345004 A1Published application
US 11,308,496 B2This patent

From the US filing history. Foreign family members aren’t listed.

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