US-12621320-B2 - Systems, methods, and apparatuses for determining resource misappropriation based on distribution frequency in an electronic network

Abstract

Systems, computer program products, and methods are described herein for determining resource misappropriation based on distribution frequency. The present disclosure is configured to receive, from a plurality of resource distribution devices, a user interaction frequency, wherein the user interaction frequency comprises a plurality of user interactions over a predetermined time period, and wherein each of the plurality of user interactions comprises a resource distribution request from an account associated with a user; store the plurality of user interactions; compare the user interaction frequency with a user frequency threshold, wherein the user frequency threshold comprises a predetermined user interaction threshold over the predetermined time period; determine, based on the user frequency threshold, whether the user interaction frequency meets or exceeds the user frequency threshold; and generate, based on the user interaction frequency meeting or exceeding the user frequency threshold, an alert interface component.

Inventors

• Kevin Patrick Thomsen

Assignees

• BANK OF AMERICA CORPORATION

Dates

Publication Date

20260505

Application Date

20221201

Claims (20)

1. 1 . A system for determining resource misappropriation based on distribution frequency, the system comprising: at least one memory device with computer-readable program code stored thereon; at least one communication device; at least one processing device operatively coupled to the at least one memory device and the at least one communication device, wherein executing the computer-readable code is configured to cause the at least one processing device to: receive, based on a receipt of a plurality of user interactions from one or more resource distribution devices of a plurality of resource distribution devices, a user interaction frequency, wherein the user interaction frequency comprises the plurality of user interactions and a total resource value over a current predetermined time period, and wherein each of the plurality of user interactions comprises a resource distribution request comprising a resource value from an account associated with a user from a start to an end of the current predetermined time period; store the plurality of user interactions; compare, in parallel to the receipt of the user interaction frequency during the current predetermined time period, the user interaction frequency with a user frequency threshold, wherein the user frequency threshold comprises a predetermined user interaction threshold over the predetermined time period and a predetermined total resource value threshold, and the predetermined user interaction threshold and the predetermined total resource value threshold are predetermined by an entity associated with the account; determine, based on the user frequency threshold, whether the user interaction frequency meets or exceeds the user frequency threshold; determine, based on the total resource value, the total resource value meets or exceeds the predetermined total resource value threshold; determine, based on the user interaction meeting or exceeding the user frequency threshold, the current user interaction is a misappropriation in real time or near real time to receiving the current user interaction that meets the user frequency threshold; and generate, based on the user interaction frequency meeting or exceeding the user frequency threshold, an alert interface component, wherein the alert interface component comprises data associated with the user interaction frequency, wherein the alert interface component comprises a request for a user input of a user associated with the plurality of user interactions, and wherein the request for the user input comprises a request to modify the resource value in the current user interaction; transmit the alert interface component to a user device associated with the user; receive, from the user device, the user input comprising an update to the current user interaction; update the total resource value in response to the user input; and determine, based on the update to the total resource value, the total resource value is less than the predetermined total resource value threshold.
2. 2 . The system of claim 1 , wherein the predetermined user interaction threshold comprises at least one of one interaction, two interactions, three interactions, four interactions, or five interactions.
3. 3 . The system of claim 1 , wherein data associated with the plurality of user interactions comprises a resource value of each interaction.
4. 4 . The system of claim 3 , wherein the processing device is configured to determine a total resource value of the plurality of user interactions, and wherein the total resource value is based on each of the resource value of each interaction.
5. 5 . The system of claim 4 , wherein the processing device is further configured to: determine, based on a predetermined total resource threshold, whether the total resource value of the plurality of user interactions meets or exceeds the predetermined total resource threshold; generate, based on the determination that the total resource value of the plurality of user interactions meets or exceeds the predetermined total resource threshold, a total resource interface component, the total resource interface component comprising data associated with the total resource value of the plurality of user interactions; and transmit, to a third-party device, the total resource interface component, wherein the total resource interface component configures a graphical user interface of the third-party device, and wherein the third-party device is associated with at least one of the user, a manager, or an agency.
6. 6 . The system of claim 1 , wherein each of the plurality of user interactions comprises a request for a resource distribution.
7. 7 . The system of claim 1 , wherein at least one user interaction of the plurality of user interactions comprises an attempt for a resource distribution.
8. 8 . The system of claim 1 , wherein the account associated with the user comprises a plurality of resource distribution accounts.
9. 9 . The system of claim 8 , wherein each resource distribution of the plurality of the resource distribution accounts is associated with a plurality of resource distribution instruments.
10. 10 . The system of claim 1 , wherein the processing device is further configured to transmit, to a third-party device, the alert interface component, wherein the alert interface component configures a graphical user interface of the third-party device.
11. 11 . The system of claim 10 , wherein the third-party device comprises a plurality of third-party devices.
12. 12 . A computer program product for determining resource misappropriation based on distribution frequency, wherein the computer program product comprises at least one non-transitory computer-readable medium having computer-readable program code portions embodied therein, the computer-readable program code portions which when executed by a processing device are configured to cause the processor to: receive, based on a receipt of a plurality of user interactions from one or more resource distribution devices of a plurality of resource distribution devices, a user interaction frequency, wherein the user interaction frequency comprises the plurality of user interactions and a total resource value over a current predetermined time period, and wherein each of the plurality of user interactions comprises a resource distribution request comprising a resource value from an account associated with a user from a start to an end of the current predetermined time period; store the plurality of user interactions; compare, in parallel to the receipt of the user interaction frequency during the current predetermined time period, the user interaction frequency with a user frequency threshold, wherein the user frequency threshold comprises a predetermined user interaction threshold over the predetermined time period and a predetermined total resource value threshold, and the predetermined user interaction threshold and the predetermined total resource value threshold are predetermined by an entity associated with the account; determine, based on the user frequency threshold, whether the user interaction frequency meets or exceeds the user frequency threshold; determine, based on the total resource value, the total resource value meets or exceeds the predetermined total resource value threshold; determine, based on the user interaction meeting or exceeding the user frequency threshold, the current user interaction is a misappropriation in real time or near real time receiving the current user interaction that meets the user frequency threshold; and generate, based on the user interaction frequency meeting or exceeding the user frequency threshold, an alert interface component, wherein the alert interface component comprises data associated with the user interaction frequency, wherein the alert interface component comprises a request for a user input of a user associated with the plurality of user interactions, and wherein the request for the user input comprises a request to modify the resource value in the current user interaction; transmit the alert interface component to a user device associated with the user; receive, from the user device, the user input comprising an update to the current user interaction; update the total resource value in response to the user input; and determine, based on the update to the total resource value, the total resource value is less than the predetermined total resource value threshold.
13. 13 . The computer program product of claim 12 , wherein the predetermined user interaction threshold comprises at least one of one interaction, two interactions, three interactions, four interactions, or five interactions.
14. 14 . The computer program product of claim 12 , wherein the processing device is further configured to transmit, to a third-party device, the alert interface component, wherein the alert interface component configures a graphical user interface of the third-party device.
15. 15 . The computer program product of claim 14 , wherein the third-party device comprises a plurality of third-party devices, and wherein at least one of the third-party devices is associated with at least one of the user, a manager, or an agency.
16. 16 . The computer program product of claim 12 , wherein the account associated with the user comprises a plurality of resource distribution accounts.
17. 17 . A computer-implemented method for determining resource misappropriation based on distribution frequency, the computer-implemented method comprising: receiving, based on a receipt of a plurality of user interactions from one or more resource distribution devices of a plurality of resource distribution devices, a user interaction frequency, wherein the user interaction frequency comprises the plurality of user interactions and a total resource value over a current predetermined time period, and wherein each of the plurality of user interactions comprises a resource distribution request comprising a resource value from an account associated with a user from a start to an end of the current predetermined time period; storing the plurality of user interactions; comparing, in parallel to the receipt of the user interaction frequency during the current predetermined time period, the user interaction frequency with a user frequency threshold, wherein the user frequency threshold comprises a predetermined user interaction threshold over the predetermined time period and a predetermined total resource value threshold, and the predetermined user interaction threshold and the predetermined total resource value threshold are predetermined by an entity associated with the account; determining, based on the user frequency threshold, whether the user interaction frequency meets or exceeds the user frequency threshold; determining, based on the total resource value, the total resource value meets or exceeds the predetermined total resource value threshold; determining, based on the user interaction meeting or exceeding the user frequency threshold, the current user interaction is a misappropriation in real time or near real time to receiving the current user interaction that meets the user frequency threshold; and generating, based on the user interaction frequency meeting or exceeding the user frequency threshold, an alert interface component, wherein the alert interface component comprises data associated with the user interaction frequency, wherein the alert interface component comprises a request for a user input of a user associated with the plurality of user interactions, and wherein the request for the user input comprises a request to modify the resource value in the current user interaction; transmit the alert interface component to a user device associated with the user; receive, from the user device, the user input comprising an update to the current user interaction; update the total resource value in response to the user input; and determine, based on the update to the total resource value, the total resource value is less than the predetermined total resource value threshold.
18. 18 . The computer-implemented method of claim 17 , wherein the predetermined user interaction threshold comprises at least one of one interaction, two interactions, three interactions, four interactions, or five interactions.
19. 19 . The computer-implemented method of claim 17 , the computer-implemented method further comprising transmitting, to a third-party device, the alert interface component, wherein the alert interface component configures a graphical user interface of the third-party device.
20. 20 . The computer-implemented method of claim 19 , wherein the third-party device comprises a plurality of third-party devices, and wherein at least one of the third-party devices is associated with at least one of the user, a manager, or an agency.

Description

TECHNOLOGICAL FIELD Example embodiments of the present disclosure relate to determining resource misappropriation based on distribution frequency in an electronic network. BACKGROUND Determining resource misappropriation is the process of receiving, storing, and comparing data received from user resource distribution requests. Determining resource misappropriation is crucial for providing a way to receive resource distribution requests securely and effectively, and for ensuring security and accuracy in users' interactions. Managers of entities providing resource distributions have a harder time than ever providing secure, effective, and accurate resource distributions to users because managers of the entities cannot confirm whether certain resource distribution requests are indeed intended by the user associated with the user account. A challenge arises in determining whether a resource distribution request by a user was of the user's own free will or at the command of another. Applicant has identified a number of deficiencies and problems associated with resource misappropriation within the scope of distribution frequency in an electronic network. Through applied effort, ingenuity, and innovation, many of these identified problems have been solved by developing solutions that are included in embodiments of the present disclosure, many examples of which are described in detail herein BRIEF SUMMARY Systems, methods, and computer program products are provided for determining resource misappropriation based on distribution frequency in an electronic network. In one aspect, a system for determining resource misappropriation based on distribution frequency in an electronic network is provided. The system comprising: at least one memory device with computer-readable program code stored thereon; at least one communication device; at least one processing device operatively coupled to the at least one memory device and the at least one communication device, wherein executing the computer-readable code is configured to cause the at least one processing device to: receive, from a plurality of resource distribution devices, a user interaction frequency, where in the user interaction frequency comprises a plurality of user interactions over a predetermined time period, wherein each of the plurality of user interactions comprises a resource distribution request from an account associated with a user; store the plurality of user interactions; compare the user interaction frequency with a user frequency threshold, wherein the user frequency threshold comprises a predetermined user interaction threshold over the predetermined time period; determine, based on the user frequency threshold, whether the user interaction frequency meets or exceeds the user frequency threshold; and generate, based on the user interaction frequency meeting or exceeding the user frequency threshold, an alert interface component, wherein the alert interface component comprises data associated with the user interaction frequency. In some embodiments, wherein the predetermined user interaction threshold comprises at least one of one interaction, two interactions, three interactions, four interactions, or five interactions. In some embodiments, wherein data associated with the plurality of user interactions comprises a resource value of each interaction. In some embodiments, wherein the processing device is configured to determine a total resource value of the plurality of user interactions, and wherein the total resource value is based on each of the resource value of each interaction. In some embodiments, wherein the processing device is further configured to: determine, based on a predetermined total resource threshold, whether the total resource value of the plurality of user interactions meets or exceeds the predetermined total resource threshold; generate, based on the determination that the total resource value of the plurality of user interactions meets or exceeds the predetermined total resource threshold, a total resource interface component, the total resource interface component comprising data associated with the total resource value of the plurality of user interactions; and transmit, to a third-party device, the total resource interface component, wherein the total resource interface component configures a graphical user interface of the third-party device, and wherein the third-party device is associated with at least one of the user, a manager, or an agency. In some embodiments, wherein each of the plurality of user interactions comprises a request for a resource distribution. In some embodiments, wherein at least one user interaction of the plurality of user interactions comprises an attempt for a resource distribution. In some embodiments, wherein the account associated with the user comprises a plurality of resource distribution accounts. In some embodiments, wherein each resource distribution of the plurality of the resource distri