Mobile fraud prevention system and method
First Claim
1. A fraud prevention system for prevention fraudulent activity on user accounts, the fraud prevention system interacting with a transaction tracking system for allowing association of transactions with user-defined categories, the fraud prevention system comprising:
- a computer memory including at least one database storing,a user-created profile; and
system settings specifying account-related events that require fraud prevention action; and
user-defined settings specifying account-related events that require fraud prevention action, wherein at least one of the user-defined settings pertains to events falling in one of the user-defined categories; and
at least one computer processor programmed for,processing user input of a user-defined signature gesture for authentication of the user and storing the signature gesture in the computer memory, wherein a security level for an account-related event is assigned to the user-defined signature gesture;
determining whether authentication is required for a user action, wherein tagging of a purchase into one of the user-defined categories does not require authentication;
detecting occurrence of the account-related event;
accessing the system settings and user settings in the computer memory to determine if a fraud prevention action is required in response to the detected account-related event;
activating for the user, a fraud prevention user interface indicating the assigned security level for the account-related event when fraud prevention action is required; and
receiving user instructions through the fraud prevention interface and processing the user instructions,wherein the at least one computer processor is further programmed to authenticate a system user attempting to perform the detected account-related event, wherein the authentication includes detecting the signature gesture corresponding to the assigned security level, and verifying the signature gesture, and wherein the at least one computer processor is further programmed to generate an enriched alert upon detection of specific account-related events, the enriched alert allowing the user to view additional details in real time.
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Abstract
A fraud prevention system is disclosed for preventing fraudulent activity on user accounts, the fraud prevention system interacting with a transaction tracking system for allowing association of transactions with user-defined categories. The fraud prevention system may include a computer memory including at least one database storing system settings specifying account-related events that require fraud prevention action and user-defined settings specifying account-related events that require fraud prevention action, wherein at least one of the user-defined settings pertains to events falling in one of the user-defined categories. The fraud prevention system may also include at least one computer processor programmed for detecting occurrence of the account-related events, accessing the system settings and user settings in the computer memory to determine if a fraud prevention action is required in response to the detected account-related event, activating a fraud prevention user interface for the user when fraud prevention action is required, and receiving user instructions through the fraud prevention interface and processing the user instructions.
76 Citations
23 Claims
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1. A fraud prevention system for prevention fraudulent activity on user accounts, the fraud prevention system interacting with a transaction tracking system for allowing association of transactions with user-defined categories, the fraud prevention system comprising:
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a computer memory including at least one database storing, a user-created profile; and system settings specifying account-related events that require fraud prevention action; and user-defined settings specifying account-related events that require fraud prevention action, wherein at least one of the user-defined settings pertains to events falling in one of the user-defined categories; and at least one computer processor programmed for, processing user input of a user-defined signature gesture for authentication of the user and storing the signature gesture in the computer memory, wherein a security level for an account-related event is assigned to the user-defined signature gesture; determining whether authentication is required for a user action, wherein tagging of a purchase into one of the user-defined categories does not require authentication; detecting occurrence of the account-related event; accessing the system settings and user settings in the computer memory to determine if a fraud prevention action is required in response to the detected account-related event; activating for the user, a fraud prevention user interface indicating the assigned security level for the account-related event when fraud prevention action is required; and receiving user instructions through the fraud prevention interface and processing the user instructions, wherein the at least one computer processor is further programmed to authenticate a system user attempting to perform the detected account-related event, wherein the authentication includes detecting the signature gesture corresponding to the assigned security level, and verifying the signature gesture, and wherein the at least one computer processor is further programmed to generate an enriched alert upon detection of specific account-related events, the enriched alert allowing the user to view additional details in real time. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 20, 22)
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9. A fraud prevention method for preventing fraudulent activity on user accounts, the fraud prevention method for interaction with a transaction tracking system for allowing association of transactions with user-defined categories, the fraud prevention method comprising:
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storing, in a computer memory, information including at least, a user-created profile, system settings specifying account-related events that require fraud prevention action and user-defined settings specifying account-related events that require fraud prevention action, wherein at least one of the user-defined settings pertains to events falling on one of the user-defined categories; implementing at least one computer processor for performing steps including processing user input of a user-defined signature gesture for authentication of the user and storing the signature gesture in the computer memory, wherein a security level for an account-related event is assigned to the user-defined signature gesture; determining whether authentication is required for a user action, wherein tagging of a purchase into one of the user-defined categories does not require authentication; detecting occurrence of the account-related event; accessing the system settings and user settings stored in the computer memory to determine if a fraud prevention action is required in response to the detected account-related event; activating a fraud prevention user interface for the user when fraud prevention action is required, the user interface operable to indicate the assigned security level for the account-related event; receiving and processing instructions entered by the user through the fraud prevention user interface; authenticating a system user attempting to perform the detected account-related event, wherein the authentication includes detecting the signature gesture corresponding to the assigned security level, and verifying the signature gesture and generating an enriched alert upon detection of specific account-related events, wherein the enriched alert allows the user to view additional details in real time. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 21, 23)
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Specification