Peer validation for unauthorized transactions

US11423405B2 · kind B2 · utility

Assignee

• International Business Machines Corporation · US

Inventors

• Michael J. Whitney · Cary, US
• Colm Nolan · Navan, IE
• Mark E. Maresh · Rochester Hills, US
• Juan F. Vargas · Cary, US

Key dates

• Filing date: Sep 10, 2019
• Grant date: Aug 23, 2022
• Expiry date: Oct 16, 2040

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/4015
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A method for peer validation for unauthorized transactions includes receiving a request to validate a user performing a transaction anomaly, wherein the transaction anomaly represents a potential fraudulent financial transaction. The method, responsive to identifying one or more boundaries to search for validation users, identifies a set of validation users in the identified one or more boundaries, where each validation user from the set of validation users has the ability to visually confirm the user performing the transaction as a valid user associated with an account for the transaction anomaly. The method displays information for the valid user associated with the account for the transaction anomaly. The method, responsive to determining the user is not validated for the transaction anomaly, declines the transaction anomaly.