Fraud prevention leveraging webhooks to obtain third party fraud data identification

A system for monitoring, in real-time, a telephonic communication on a second mobile device using a fraud detection application running on the second mobile device, the system comprising:

• the fraud detection application configured to monitor the telephonic communication occurring at the second mobile device, the telephonic communication initiated by a first mobile device by:
• continuously extracting data from the telephonic communication;
• identifying, from the data, an intent and a plurality of keywords;
• determining, based on the intent and the plurality of keywords, that the data comprises a fraud indicator;
• in response to the determining, generating a webhook that includes a payload, the payload storing metadata of the telephonic communication, the metadata comprising:
• an identification of a caller of the telephonic communication from the first mobile device;
• the intent and the plurality of keywords;
• an encrypted dataset for receipt by an entity server, the encrypted dataset enabled to be deciphered by the entity server;
• and
• an input field for receiving a rating;
• searching a network of mobile devices to identify a group of mobile devices, each of the mobile devices in the group associated with at least one of the plurality of keywords;
• and
• transmitting the webhook to each of the mobile devices in the group of mobile devices and to the entity server supporting the fraud detection application;
• each mobile device within the group of mobile devices configured to:
• receive the webhook;
• extract the metadata from the webhook and display the metadata on a user interface (“UI”) of the mobile device;
• input a mobile device rating within the input field;
• and
• transfer the mobile device rating to the fraud detection application;
• the entity server configured to:
• receive the webhook;
• extract the metadata from the webhook including the encrypted dataset;
• execute a fraud detection machine learning (“ML”) algorithm to determine fraudulent activity;
• and
• in response to the determining, transmit an entity server rating to the fraud detection application;
• and
• the fraud detection application configured to:
• receive the mobile device rating from at least one or more of the group of mobile devices;
• receive the entity server rating from the entity server;
• when the entity server rating is below a predetermined threshold level of fraud:
• using the mobile device rating and the entity server rating to determine a threshold level of fraud;
• and
• in response to a level of fraud being greater than the predetermined threshold level of fraud, transmit a fraud alert notification to the second mobile device;
• and
• when the entity server rating is above the predetermined threshold level, disregard the mobile device rating and automatically terminate the telephonic communication at the second mobile device.

A method for using a fraud detection application running on a second mobile device to monitor, in real-time, a telephonic communication on the second mobile device, the method comprising:

• using natural language processing to continuously extract data from the telephonic communication;
• identifying, from the data, an intent and a plurality of keywords;
• determining, from at least one of the intent and the plurality of keywords, that the data comprises a fraud indicator;
• in response to the determining, generating a webhook that includes a payload, the payload storing metadata of the telephonic communication, the metadata comprising:
• an identification of a caller of the telephonic communication from a first mobile device, the telephonic communication initiated by the first mobile device;
• the intent and the plurality of keywords;
• an encrypted dataset for receipt by an entity server, the encrypted dataset enabled to be deciphered by the entity server;
• and
• an input field for receiving a rating;
• searching a network of mobile devices to identify a group of mobile devices, each of the mobile devices in the group associated with at least one of the plurality of keywords;
• transmitting the webhook to each of the mobile devices in the group of mobile devices and the entity server supporting the fraud detection application;
• receiving, a mobile device rating from at least some of the mobile devices included in the group of mobile devices;
• receiving an entity server rating from the entity server, the entity server rating being based on entity accessible data, historical fraudulent calls stored at the entity server;
• when the entity server rating is below a predetermined threshold level of fraud:
• using the mobile device rating and the entity server rating to determine a threshold level of fraud;
• and
• in response to the level of fraud being greater than the predetermined threshold level of fraud, transmitting a fraud alert notification to the second mobile device;
• and
• when the entity server rating is above the predetermined threshold level, disregarding the mobile device rating and automatically terminating the telephonic communication at the second mobile device.