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US 2025/0053982 A1Published application
Systems and methods for fraud prevention in mobile application verification device enrollment process
AssigneeCapital One Services, LLC
InventorsErik NEIGHBOUR, Amirfarrokh IRANITALAB, Lesley NEWTON
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Abstract
Systems and methods are directed to an improved fraud detection feature in Mobile Application Verification (MAV) device enrollment process. The proposed solution corresponds to a two-prong approach involving a strength factor evaluation of the authentication inputs provided during the initial enrollment process, and a computation of a number of trust parameters values from archived transactional records. A computational model supplemented with a machine learning process is then used to determine a device stability period as a function of the strength factor associated with the user provided authentication data and the computed trust factors.
Claims20
A method for optimizing probability of valid device enrollment performed by a computer hardware arrangement, the method comprising:
- determining a device identifier for a transmitting device in response to a mobile application verification (MAV) enrollment request initiated by the transmitting device, the enrollment request being associated with a user account;
- initiating a device stability waiting period upon verifying one or more authentication credentials provided by the transmitting device, the one or more authentication credentials being associated with the user account;
- verifying a strength factor associated with the one or more authentication credentials, wherein the device stability waiting period, is a decreasing function of the strength factor;
- applying a computational model to determine a length of the device stability waiting period as a function of the strength factor;
- retrieving a value for one or more trust parameters based on historical records associated with the user account and the transmitting device, the one or more trust parameters comprising:
- a number previous authentication requests associated with one or more of the transmitting device and the user account,
- a number of previous successful challenges associated with one or more of the transmitting device and the user account, and
- a period of time elapsed since a most recent successful challenge associated with one or more of the transmitting device and the user account;
- determining a scaling factor for each of the one or more trust parameters using a machine learning process, wherein the value for each of the one or more trust parameters is scaled based on a corresponding scale factor, thereby generating one or more scaled values;
- inputting the one or more scaled values into the computational model for modifying the length of the device waiting period based on the one or more scaled values;
- and
- generating a fraud probability value for the MAV enrollment request initiated by the transmitting device, wherein the fraud probability value is directly proportional to the device stability waiting period.
9 more elements
A system for optimizing valid device enrollment, the system comprising a computer hardware arrangement configured to:
- determine a device identifier for a transmitting device in response to a mobile application verification (MAV) enrollment request initiated by the transmitting device, the MAV enrollment request being associated with a user account;
- initiate a device stability waiting period upon verifying one or more authentication credentials provided by the transmitting device, the one or more authentication credentials being associated with the user account;
- verify a strength factor associated with the one or more authentication credentials, wherein the device stability waiting period is a decreasing function of the strength factor;
- apply a computational model to determine a length of the device stability waiting period as a function of the strength factor;
- retrieve a value for one or more trust parameters based on historical records associated with the user account and the transmitting device, the one or more trust parameters comprising:
- a number of previous authentication requests associated with one or more of the transmitting device and the user account;
- a number of previous successful challenges associated with one or more of the transmitting device and the user account;
- and
- a period of time elapsed since a most recent successful challenge associated with one or more of the transmitting device and the user account;
- determine a scaling factor for each of the one or more trust parameters using a machine learning process, wherein the value for each of the one or more trust parameters is scaled based on a corresponding scale factor, thereby generating one or more scaled values;
- input the one or more scaled values into the computational model to modify the length of the device waiting period based on the one or more scaled values;
- and
- generate a fraud probability value for the MAV enrollment request initiated by the transmitting device, wherein the fraud probability value is directly proportional to the device stability waiting period.
10 more elements
A non-transitory computer-accessible medium comprising instructions for execution by a computer hardware arrangement, wherein, upon execution of the instructions the computer hardware arrangement is configured to perform procedures comprising:
- determining a device identifier for a transmitting device in response to a mobile application verification (MAV) enrollment request initiated by the transmitting device, the enrollment request being associated with a user account;
- initiating a device stability waiting period upon verifying one or more authentication credentials provided by the transmitting device, the one or more authentication credentials being associated with the user account;
- verifying a strength factor associated with the one or more authentication credentials, wherein the device stability waiting period, is a decreasing function of the strength factor;
- applying a computational model to determine a length of the device stability waiting period as a function of the strength factor;
- retrieving a value for one or more trust parameters based on historical records associated with the user account and the transmitting device, the one or more trust parameters comprising:
- a number previous authentication requests associated with one or more of the transmitting device and the user account,
- a number of previous successful challenges associated with one or more of the transmitting device and the user account, and
- a period of time elapsed since a most recent successful challenge associated with one or more of the transmitting device and the user account;
- determining a scaling factor for each of the one or more trust parameters using a machine learning process, wherein the value for each of the one or more trust parameters is scaled based on a corresponding scale factor, thereby generating one or more scaled values;
- inputting the one or more scaled values into the computational model for modifying the length of the device waiting period based on the one or more scaled values;
- and
- generating a fraud probability value for the MAV enrollment request initiated by the transmitting device, wherein the fraud probability value is directly proportional to the device stability waiting period.
9 more elements
Dependencies are inferred from the claim text.