Fingerprinting account activity habits in order to discover fraudulent usage
US12423705B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | May 5, 2023 |
| Grant date | Sep 23, 2025 |
| Priority date | — |
| Expiry date | Sep 7, 2043 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q40/02
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
Methods, systems, apparatuses, and computer program products for discovering fraudulent account usage are disclosed. In an example, a database is queried to identify a list of accounts and transaction categories. A first table is generated based on the transaction categories. A second table is generated by populating the first table based on a response to querying the database for a first set of historical transactions over a first period of time. A third table is generated by populating the first table based on a response to querying the database for a second set of historical transactions over a second period of time. A measure of similarity for each of the accounts is generated based on the second table and the third table. For each account with a corresponding measure of similarity below a threshold, the account is identified as a fraudulent account candidate.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.