TRANSACTION FRAUD PREVENTION TOOL

• US 20200236217A1
• Filed: 01/23/2019
• Published: 07/23/2020
• Est. Priority Date: 01/23/2019
• Status: Active Grant

• Current Assignee: Wells Fargo Bank NA (Wells Fargo & Company)
• Original Assignee: Wells Fargo Bank NA (Wells Fargo & Company)
• Inventors: Jackson, John Talbert, Baker, JR., Gene C., Graff, Jon T., Breunig, Chad Otto, Bell, Kevin W., Suen, Darrell Lee
• Granted Patent: US 10,880,436 B2
• Time in Patent Office: Days
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/4016 involving fraud or risk level assessment in transaction processing
• CPC Class Codes: H04M 2203/6027 Fraud preventions
• CPC Class Codes: H04M 2242/30 Determination of the location of a subscriber
• CPC Class Codes: H04M 3/5183 Call or contact centers with computer-telephony arrangements
• CPC Class Codes: H04W 4/023 using mutual or relative location information between multiple location based services [LBS] targets or of distance thresholds
• CPC Class Codes: H04W 4/14 Short messaging services, e.g. short message services [SMS] or unstructured supplementary service data [USSD]

Abstract

Various examples are directed to systems and methods for detecting potentially fraudulent voice calls to a financial services institution. A computing system may receive an indication of a voice call placed by a voice caller to an operator. The computing system may generate a network address indicator describing a network location. The network address indicator may be provided to the voice caller. The computing system may receive an indication of a financial services account indicated by the voice caller. The computing system may also receive an indication of an access to the network location by a remote device. The computing system may determine, using the indication of the access to the network location, a first location associated with the remote device and determine that the first location does not match a second location associated with the financial services account. The computing system may generate an alert indicating that the voice call is potentially fraudulent.

Claims

1. A computer-implemented method of detecting potentially fraudulent voice calls to a financial services institution, the method comprising:

receiving, by a computing system, an indication of a voice call placed by a voice caller to an operator;

generating, by the computing system, a network address indicator describing a network location, wherein the network address indicator is provided to the voice caller;

receiving, by the computing system, an indication of a financial services account indicated by the voice caller;

receiving, by the computing system, an indication of an access to the network location by a remote device;

determining, by the computing system using the indication of the access to the network location, a first geographic location associated with the remote device;

determining, by the computing system, that the first geographic location does not match a second geographic location associated with the financial services account;

generating, by the computing system, unique identifier data;

providing the unique identifier data to the voice caller via the voice call;

receiving, by the computing system, an indication that the unique identifier data was not received from the remote device via the access to the network location; and

responsive to the determining that the first geographic location does not match the second geographic location and to receiving the indication that the unique identifier data was not received from the remote device via the access to the network location, generating an alert indicating that the voice call is potentially fraudulent.

3. The method of claim 1, further comprising generating, by the computing system, an operator user interface (UI) comprising the network address indicator, wherein the network address indicator is provided to the voice caller by the operator via the voice call.

4. The method of claim 3, further comprising providing the unique identifier data to the operator via the operator UI, wherein the unique identifier data is provided to the voice caller by the operator via the voice call.

5. The method of claim 1, further comprising:

generating, by the computing system, a short message service (SMS) message comprising the network address indicator; and

sending the SMS message to a phone number associated with a telephone device of the voice caller.

6. The method of claim 5, wherein the SMS message comprises a selectable link to the network location.

7. The method of claim 5, wherein the SMS message comprises the unique identifier data.

8. The method of claim 1, wherein the unique identifier data is embedded into a network address indicated by the network address indicator, and where receiving the indication that the unique identifier data was received from the remote device comprises receiving an indication of the access to the network location by the remote device using the network address.

2. (canceled)

9. A computer-implemented system for detecting potentially fraudulent voice calls to a financial services institution, the system comprising:

a computing system comprising at least one processor and a data storage device, the computing system programmed to perform operations comprising;

receiving an indication of a voice call placed by a voice caller to an operator;

generating a network address indicator describing a network location, wherein the network address indicator is provided to the voice caller;

receiving an indication of a financial services account indicated by the voice caller;

receiving an indication of an access to the network location by a remote device;

determining, using the indication of the access to the network location, a first geographic location associated with the remote device;

determining that the first geographic location does not match a second geographic location associated with the financial services account;

generating, by the computing system, unique identifier data;

providing the unique identifier data to the voice caller via the voice call;

receiving, by the computing system, an indication that the unique identifier data was not received from the remote device via the access to the network location; and

responsive to the determining that the first geographic location does not match the second geographic location and to receiving the indication that the unique identifier data was not received from the remote device via the access to the network location generating an alert indicating that the voice call is potentially fraudulent.

11. The system of claim 9, the operations further comprising generating an operator user interface (UI) comprising the network address indicator, wherein the network address indicator is provided to the voice caller by the operator via the voice call.

12. The system of claim 11, the operations further comprising providing the unique identifier data to the operator via the operator UI, wherein the unique identifier data is provided to the voice caller by the operator via the voice call.

13. The system of claim 9, the operations further comprising:

generating a short message service (SMS) message comprising the network address indicator; and

sending the SMS message to a phone number associated with a telephone device of the voice caller.

14. The system of claim 13, wherein the SMS message comprises a selectable link to the network location.

15. The system of claim 13, wherein the SMS message comprises the unique identifier data.

16. The system of claim 9, wherein the unique identifier data is embedded into a network address indicated by the network address indicator, and where receiving the indication that the unique identifier data was received from the remote device comprises receiving an indication of the access to the network location by the remote device using the network address.

10. (canceled)

17. A non-transitory machine-readable medium comprising instructions thereon that, when executed by at least one processor, cause the at least one processor to execute operations comprising:

receiving an indication of a voice call placed by a voice caller to an operator;

generating a network address indicator describing a network location, wherein the network address indicator is provided to the voice caller;

receiving an indication of a financial services account indicated by the voice caller;

receiving an indication of an access to the network location by a remote device;

determining, using the indication of the access to the network location, a first geographic location associated with the remote device;

determining that the first geographic location does not match a second geographic location associated with the financial services account;

generating unique identifier data;

receiving an indication that the unique identifier data was not received from the remote device via the access to the network location; and

responsive to the determining that the first geographic location does not match the second geographic location and to receiving the indication that the unique identifier data was not received from the remote device via the access to the network location, generating an alert indicating that the voice call is potentially fraudulent.

19. The machine-readable medium of claim 17, the operations further comprising generating an operator user interface (UI) comprising the network address indicator, wherein the network address indicator is provided to the voice caller by the operator via the voice call.

20. The machine-readable medium of claim 19, the operations further comprising providing the unique identifier data to the operator via the operator UI, wherein the unique identifier data is provided to the voice caller by the operator via the voice call.

18. (canceled)