Deep-learning based system for online application origination (OAO) fraud detection
US11869077B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Oct 7, 2021 |
| Grant date | Jan 9, 2024 |
| Priority date | — |
| Expiry date | Oct 20, 2041 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06N3/088
- WIPO fieldComputer technology
- WIPO sectorElectrical engineering
Abstract
A fraud prevention server that includes an electronic processor and a memory. The memory includes an online application origination (OAO) service and a plurality of OAO models, each of the plurality of OAO models differentiates between a behavior of a normal user and a behavior of a nefarious actor during a submission of the online application on a device. When executing the OAO service, the electronic processor is configured to receive form data from a client server, determine a best OAO model from a plurality of OAO models with deep-learning, determine a fraud score of the online application based on the best OAO model, and control the client server to approve, hold, or deny the online application based on the fraud score that is determined.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.