System and method for visualizing checking account information

• US 10,332,199 B2
• Filed: 10/20/2010
• Issued: 06/25/2019
• Est. Priority Date: 10/20/2010
• Status: Active Grant

• Current Assignee: Fis Financial Compliance Solutions LLC (Fidelity National Information Services Incorporated)
• Original Assignee: Fis Financial Compliance Solutions LLC (Fidelity National Information Services Incorporated)
• Inventors: Leibon, Gregory David, Harris, Katherine Beck
• Primary Examiner(s): Subramanian, Narayanswamy
• Application Number:
  US12/908,677
• Publication Number:
  US 20120101925A1
• Time in Patent Office: 3,170 Days
• Field of Search: 705 35- 45
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

Systems and methods for presenting fraud detection information are presented. In one example, a computer system analyzes empirical data to detect potentially fraudulent activity and alerts users of the potentially fraudulent activity via a fraud detection user interface. The fraud detection user interface determines a set of user interface components to suitable to present the potentially fraudulent activity and presents facts associated with the potentially fraudulent activity to a user for further analysis and investigation.

Claims

1. A computer system, comprising:

a memory storing data describing a check book associated with a plurality of checks, the plurality of checks including a suspect check and a plurality of authentic checks, each check in the plurality of checks including a plurality of attributes, each attribute in each of the plurality of attributes having an actual value;

an interface configured to display a graphical user interface, the graphical user interface configured to display representations of the plurality of checks by receiving the data from the memory, based on one or more of the attributes associated with each of the represented checks, the interface further configured to present the graphical user interface to display one or more graphical user interface components, at least in part, based on one or more reason codes associated with a fraud alert, wherein the one or more reason codes indicate at least one of a potential deposit fraud, a potential takeover of an account by a third party, or a check fraud; and

a hardware processor coupled to the memory to;

receive an indication of the suspect check, the indication comprising the fraud alert having at least one reason code;

generate a zone related to the plurality of checks, the zone including a plurality of reference values for at least one of the plurality of attributes of the suspect check;

present the zone on the graphical user interface based on the at least one reason code in the fraud alert;

present on the zone at least one representation of the plurality of checks, the position of each representation on the zone being based on the values of each attribute associated with each of the plurality of checks, the at least one representation comprising;

a representation of the suspect check, and

at least one representation of at least one authentic check; and

wherein presenting the at least one representation comprises;

 

drawing, on the zone, a first curve representing expected serial numbers for checks associated with the check book;

 

determining an upper bound of reference values for the expected serial numbers for the checks, the upper bound comprising one or more upper reference values;

 

calculating at least one first difference between at least one of the upper reference values and at least one of the expected serial numbers;

 

determining a lower bound of reference values for the expected serial numbers for the checks, the lower bound comprising one or more lower reference values;

 

calculating at least one second difference between at least one of the lower reference values and at least one of the expected serial numbers;

 

drawing, on the zone, a second curve based on calculating the at least one first difference, the second curve indicating the upper bound of reference values and disposed at a first distance based on the at least one first difference; and

 

drawing, on the zone, a third curve based on calculating the at least one second difference, the third curve indicating the lower bound of reference values and disposed at a second distance based on the at least one second difference; and

a bus connected to each of the memory, the hardware processor, and the interface.

2. The system according to claim 1, the at least one of the plurality of attributes including a serial number.

3. The system according to claim 1, wherein a subset of the actual values of the plurality of authentic checks have a standard deviation;

and

the values represented by points on either the second curve or the third curve differ from values represented by points on the first curve by a multiple of the standard deviation.

4. The system according to claim 1, the hardware processor further capable of presenting on the graphical user interface a plurality of axes, each axis of the plurality of axes indicating a set of potential values of an attribute of the suspect check.

5. The system according to claim 1, the zone including a three dimensional shape that represents the plurality of reference values.

6. The system according to claim 1, wherein the hardware processor is further configured to determine whether an account associated with the suspect check is associated with another account, wherein associated accounts include two or more accounts that are associated with one another.

7. The system according to claim 1, wherein the hardware processor is further configured to:

store empirical data and transaction data; and

model the empirical and transaction data using foreign key relationships and indexes.

8. A computer implemented method, comprising:

storing, in a memory, data describing a check book associated with plurality of checks, the plurality of checks including a suspect check and a plurality of authentic checks, each check in the plurality of checks including a plurality of attributes, each attribute in each of the plurality of attributes having an actual value;

displaying a graphical user interface, the graphical user interface configured to display representations of the plurality of checks by receiving the data from the memory, based on one or more of the attributes associated with each of the represented checks;

presenting the graphical user interface including one or more graphical user interface components based in part on one or more reason codes associated with a fraud alert, the one or more reason codes indicating at least one of a potential deposit fraud, a potential takeover of an account by a third party, or a check fraud; and

performing by a hardware processor, steps comprising;

receiving an indication of the suspect check, the indication comprising a fraud alert having at least one reason code;

generating a zone related to the plurality of checks, the zone including a plurality of reference values for at least one of the plurality of attributes of the suspect check;

presenting the zone on the graphical user interface based on the at least one reason code in the fraud alert; and

presenting on the zone at least one representation of the plurality of checks, the position of each representation on the zone being based on the values of each attribute associated with each of the plurality of checks, the at least one representation comprising;

a representation of the suspect check, and

at least one representation of at least one authentic check; and

wherein presenting the at least one representation comprises;

drawing, on the zone, a first curve representing expected serial numbers for checks associated with the check book;

determining an upper bound of reference values for the expected serial numbers for the checks, the upper bound comprising one or more upper reference values;

calculating at least one first difference between at least one of the upper reference values and at least one of the expected serial numbers;

determining a lower bound of reference values for the expected serial numbers for the checks, the lower bound comprising one or more lower reference values;

calculating at least one second difference between at least one of the lower reference values and at least one of the expected serial numbers;

drawing, on the zone, a second curve based on calculating the at least one first difference, the second curve indicating the upper bound of reference values and disposed at a first distance based on the at least one first difference; and

drawing, on the zone, a third curve based on calculating the at least one second difference, the third curve indicating the lower bound of reference values and disposed at a second distance based on the at least one second difference.

9. The method according to claim 8, wherein

a subset of the actual values of the plurality of authentic checks have a standard deviation;

and

values represented by points on either the second curve or the third curve differ from values represented by points on the first curve by a multiple of the standard deviation.

10. The method according to claim 8, further comprising presenting a plurality of axes, each axis of the plurality of axes indicating set of potential values of an attribute of the suspect check.

11. The method according to claim 8, the step of presenting the at least one representation further including presenting a three dimensional shape that represents the plurality of reference values.

12. The method according to claim 8, further comprising determining whether an account associated with the suspect check is associated with another account, wherein associated accounts include two or more accounts that are associated with one another.

13. The method according to claim 8, further comprising:

storing empirical data and transaction data; and

modeling the empirical and transaction data using foreign key relationships and indexes.

14. A non-transitory computer readable medium having instructions stored thereon that, when executed by at least one hardware processor, causes the at least one hardware processor to perform operations comprising:

storing data describing a check book associated with plurality of checks, the plurality of checks including a suspect check and a plurality of authentic checks, each check in the plurality of checks including a plurality of attributes, each attribute in each of the plurality of attributes having an actual value;

displaying a graphical user interface, the graphical user interface configured to display representations of the plurality of checks by receiving the data from the memory, based on one or more of the attributes associated with each of the represented checks;

presenting the graphical user including one or more graphical user interface components based in part on one or more reason codes associated with a fraud alert, the one or more reason codes indicating at least one of a potential deposit fraud, a potential takeover of an account by a third party, or a check fraud;

receiving an indication of the suspect check, the indication comprising a fraud alert having at least one reason code;

generating a representation of a zone related to the plurality of checks, the representation of the zone including a plurality of reference values for at least one of the plurality of attributes of the suspect check;

presenting the representation of the zone on a graphical user interface based on the at least one reason code in the fraud alert; and

presenting on the representation of the zone at least one representation of the plurality of checks, the position of each representation on the zone being based on the values of each attribute associated with each of the plurality of checks, the at least one representation comprising;

a representation of the suspect check, and

at least one representation of at least one authentic check; and

wherein presenting the at least one representation comprises;

drawing, on the zone, a first curve representing expected serial numbers for checks associated with the check book;

determining an upper bound of reference values for the expected serial numbers for the checks, the upper bound comprising one or more upper reference values;

calculating at least one first difference between at least one of the upper reference values and at least one of the expected serial numbers;

determining a lower bound of reference values for the expected serial numbers for the checks, the lower bound comprising one or more lower reference values;

calculating at least one second difference between at least one of the lower reference values and at least one of the expected serial numbers;

drawing, on the zone, a second curve based on calculating the at least one first difference, the second curve indicating the upper bound of reference values and disposed at a first distance based on the at least one first difference; and

drawing, on the zone, a third curve based on calculating the at least one second difference, the third curve indicating the lower bound of reference values and disposed at a second distance based on the at least one second difference.