Fraud prevention tool

A financial institution system for detecting d the financial institution system comprising:

• at least one processor unit;
• and
• a memory having instructions thereon that, when executed by the at least one processor unit, cause the financial institution system to perform operations comprising:
• receiving, from a transaction device, a transaction authorization request requesting authorization for a transaction, the transaction authorization request describing a transaction amount on an account of a user;
• determining an address for a user computing device associated with the user;
• sending an environmental data request to the user computing device;
• receiving, from the user computing device, environmental data describing an environment of the user;
• determining that the environmental data indicates an anomalous condition;
• and
• based at least in part on the determining;
• declining the transaction.

A non-transitory machine-readable medium comprising instructions thereon that, when executed by at least one processor unit, causes the at least one processor unit to perform operations comprising:

• receiving, from a transaction device, a transaction authorization request requesting authorization for a transaction, the transaction authorization request describing a transaction amount on an account of a user;
• determining an address for a user computing device associated with the user;
• sending an environmental data request to the user computing device;
• receiving, from the user computing device, environmental data describing an environment of the user;
• determining that the environmental data indicates an anomalous condition;
• and
• based at least in part on the determining, declining the transaction.

A computer-implemented method for detecting fraud, the method comprising:

• receiving, by a server and from a transaction device a transaction authorization request describing a transaction amount to be drawn on an account of a user;
• receiving, by the server and from a user computing device, environmental data describing an environment of the user, the environmental data comprising audio data;
• determining, by the server, that the environmental data indicates an anomalous condition, the determining that the environmental data indicates an anomalous condition comprising:
• detecting a voice of the user in the audio data;
• detecting a second voice in the audio data;
• and
• determining that the second voice is not one of a set of trusted voices for the user;
• and
• based at least in part on the determining, declining the transaction authorization request by the server.

A financial institution system for detecting fraud, the financial institution system comprising:

• at least one processor unit;
• and
• a memory having instructions thereon that, when executed by the at least one processor unit, cause the financial institution system to perform operations comprising:
• receiving, from a transaction device, a transaction authorization request describing a transaction amount on an account of a user;
• receiving, from a user computing device, an environmental data describing an environment of the user, the environmental data comprising audio data;
• determining that the environmental data indicates an anomalous condition the determining that the environmental data indicates an anomalous condition comprising:
• detecting a voice of the user in the audio data;
• detecting a second voice in the audio data;
• and
• determining that the second voice is not one of a set of trusted voices for the user;
• and
• based at least in part on the determining, declining the transaction authorization request.

A non-transitory machine-readable medium comprising instructions thereon that, when executed by at least one processor unit, causes the at least one processor unit to perform operations comprising:

• receiving, from a transaction device, a transaction authorization request describing a transaction amount on an account of a user;
• receiving, from a user computing device, an environmental data describing an environment of the user, the environmental data comprising audio data;
• determining that the environmental data indicates an anomalous condition the determining that the environmental data indicates an anomalous condition comprising:
• detecting a voice of the user in the audio data;
• detecting a second voice in the audio data;
• and
• determining that the second voice is not one of a set of trusted voices for the user;
• and
• based at least in part on the determining, declining the transaction authorization request.