Browser Extension False-Positive Fraud Detection

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Solution Overview

Problem

Existing online transaction systems face challenges in accurately distinguishing between legitimate and fraudulent transactions, often resulting in false-positive fraud detection incidents, which can lead to unnecessary user intervention and resource wastage.

Innovation Solution

A browser extension application that detects unusual transactions by obtaining UI image data and evaluating historical transaction patterns to execute a false-positive detection routine, issuing a push notification with a screenshot and confirmation prompt to validate the transaction's validity.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If traditional fraud detection systems flag unusual transactions, then fraudulent transactions can be identified, but false-positive incidents increase causing unnecessary user intervention

Engineering Contradiction:

Improvefraud detection accuracyVSAvoiduser intervention time

Core Design Contradiction:

ReliabilityVSLoss of time

Solution Approach 1:

The system performs preliminary actions by capturing UI image data and transaction details before the user is prompted. The browser extension proactively gathers evidence (screenshots, transaction information) during the transaction flow, so that when fraud detection is triggered, the verification process can proceed quickly with pre-collected data, reducing the time users need to spend providing information.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The system implements feedback by analyzing historical transaction patterns and user behavior to continuously improve fraud detection accuracy. The push notification system provides feedback to users about detected anomalies, and their responses (confirming or denying fraud) feed back into the system to refine future detection algorithms, reducing false positives over time while maintaining high reliability.

Inventive Principle:

Principle #23Feedback

2Reliability

If fraud detection systems implement strict verification, then fraudulent transactions are reduced, but transaction processing efficiency decreases

Engineering Contradiction:

Improvefraud prevention effectivenessVSAvoidtransaction processing speed

Core Design Contradiction:

ReliabilityVSProductivity

Solution Approach 1:

The system applies partial verification by using push notifications with pre-captured UI images and transaction details for suspicious transactions. Instead of requiring full manual verification for all unusual transactions, the system provides key information (screenshot, merchant name, amount) in the notification itself, allowing users to quickly verify without navigating to multiple pages or providing extensive information, thus maintaining productivity while ensuring reliability.

Inventive Principle:

Principle #16Partial or excessive action

Solution Approach 2:

The system enables self-service by automatically capturing transaction evidence and presenting it to users through push notifications. Users can verify transaction authenticity by reviewing the pre-captured UI images and details in the notification, eliminating the need for manual data entry or complex verification processes. This self-verification approach maintains fraud prevention effectiveness while preserving transaction processing speed.

Inventive Principle:

Principle #25Self-service

3Measurement precision

If browser extension captures detailed UI image data, then false-positive detection improves, but device processing load increases

Engineering Contradiction:

Improvetransaction verification accuracyVSAvoiddevice processing energy

Core Design Contradiction:

Measurement precisionVSUse of energy by moving object

Solution Approach 1:

The system extracts only the essential elements needed for fraud verification from the UI image data. Instead of processing or storing entire screenshots, the browser extension captures key transaction details (merchant information, amount, timestamp) and selects only critical portions of UI images. This extraction approach maintains measurement precision for fraud detection while significantly reducing the processing energy required compared to handling complete image data.

Inventive Principle:

Principle #2Taking out (Extraction)

Data Source

PatentUS11423407B2Computer-based systems and platforms and computer-implemented methods configured for one or more technological applications involving reduction of false-positive fraud detection incidents

Publication Date: 2022.08.23 CAPITAL ONE SERVICES LLC

AI summary

Systems and methods involving computer-based processing for proactively reducing false-positive fraud detection incidents are disclosed. In one embodiment, an exemplary computer-implemented method may comprise: detecting when a subject online transaction matches criteria indicating it is unusual; operating a browser extension application to obtain UI image data and purchase details of an item purchased by a user during the unusual online transaction; evaluating historical transactions of the user to identify a potentially fraudulent online transaction; and executing a false-positive detection routine to determine if the potentially fraudulent online transaction is valid.