Limited Account Access with Full App Navigation Under Fraud Checks
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Solution Overview
Problem
Conventional systems suspend accounts in response to potential suspicious activity, leading to inefficient and inflexible user experiences, as users are unable to perform bona fide transactions and require lengthy communication processes to restore access.
Innovation Solution
A limited access tier system that assigns a restricted usage state to accounts, allowing full navigable access with restriction rules, and provides indications on how to move to a full access state, thereby reducing the need for complete suspension.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If conventional systems suspend accounts in response to potential suspicious activity, then legal risk is reduced and fraudulent activity is prevented, but user experience deteriorates and computational efficiency decreases
Solution Approach 1:
The patent segments the account access state into multiple levels: full access state, limited access state, and suspended state. Instead of immediately suspending accounts with suspicious activity, the system transitions them to a limited access state where certain transactions are restricted but the account remains accessible for navigation and other operations. This segmentation allows the system to maintain fraud prevention while preserving user experience.
Solution Approach 2:
The system dynamically adjusts account access states based on suspicious activity detection. Accounts can transition between full access, limited access, and suspended states depending on the level of suspicious activity detected. This dynamic approach allows the system to respond proportionally to threats rather than applying a static suspension rule, thereby maintaining both security and user experience.
2Reliability
If conventional systems suspend accounts for suspicious activity, then fraudulent transactions are blocked, but transaction efficiency deteriorates due to lengthy verification processes
Solution Approach 1:
The system performs preliminary verification actions before complete suspension. When suspicious activity is detected, the system implements restriction rules that limit certain high-risk transactions while allowing lower-risk transactions to proceed. This preliminary action maintains transaction efficiency for legitimate activities while still preventing fraudulent transactions, avoiding the need for complete suspension and lengthy verification processes.
Solution Approach 2:
The system changes transaction parameters dynamically based on account state. In limited access state, restriction rules modify transaction parameters such as daily limits, allowed transaction types, and required verification levels. This parameter adjustment allows legitimate transactions to continue with minimal disruption while blocking potentially fraudulent ones, thereby maintaining transaction efficiency and security.
3Reliability
If conventional systems completely suspend accounts, then suspicious activity is fully prevented, but flexibility deteriorates as users lose all account access
Solution Approach 1:
The system applies restriction rules with local quality, meaning different transaction types are treated differently based on their risk profile. High-risk transactions are restricted or blocked, while low-risk transactions continue normally. This localized application of restrictions maintains account access flexibility for legitimate activities while still preventing suspicious activity, avoiding the need for complete account suspension.
Solution Approach 2:
The system applies partial action by implementing restriction rules that block only certain transactions rather than all transactions. In limited access state, the system restricts specific high-risk transaction types while allowing other transactions to proceed. This partial action maintains account flexibility and usability while still preventing suspicious activity, representing a middle ground between full access and complete suspension.
Data Source
AI summary
The present disclosure relates to systems, non-transitory computer-readable media, and methods for assigning a limited access state to an account based on a triggering event and causing a client device to provide full navigable access to a client application. For example, in one or more embodiments, the disclosed system detects a triggering event corresponding with activity of an account. In particular, based on the detected triggering event, the disclosed system assigns the limited access state to the account and provides a notification to the account in the limited access state. Furthermore, while in the limited access state the client device associated with the account in the limited access state provides full navigable access to the client application, detects restricted activity based on restriction rules, and provides graphical elements to restore the account from the limited access state to a full access state.