CONTROLLING ACCESS TO RESOURCE SYSTEMS BASED ON USER PROFILE MODIFICATIONS
A system can be provided for controlling data transactions based on user profile modifications. For example, the system may detect a modification to contact data of a user profile. The user profile can be associated with a first user account. The system can also receive a transaction request, which can be a request for a transfer of data from the first user account to a second user account. The system can further determine that there has not been a previous transfer of data from the first user account to the second user account. Then, the system can determine a first time for the modification to the contact data and a second time for the transaction request. The system can compare a difference between the second time and the first time to a threshold. If the difference is less than the threshold, the system can deny the transaction request.
1 . A system comprising:
a processing device; and
a memory device that includes instructions executable by the processing device for causing the processing device to perform operations comprising:
detecting a modification to a first piece of contact data of a user profile, the user profile being associated with a first user account;
receiving a resource request comprising a request to transfer data from the first user account to a second user account via a resource system;
determining, based on historical data associated with the first user account, that there has not been a previous transfer of data between the first user account and the second user account;
in response to determining that there has not been a previous transfer of data between the first user account and the second user account:
determining a first time associated with the modification to the first piece of contact data and determining a second time associated with the resource request;
comparing a difference between the second time and the first time to a fraud prevention threshold, the fraud prevention threshold being a duration of time; and
in response to the difference between the second time and the first time being less than the fraud prevention threshold, generating an alert comprising an indication of the modification to the first piece of contact data, and transmitting the alert to a user device associated with the first user account to prevent execution of the transfer of data at the resource system, wherein the alert is transmitted using a second piece of contact data that was in the user profile before the modification to the first piece of contact data.
2 . The system of claim 1 , wherein the operations further comprise:
determining the fraud prevention threshold using a machine learning model configured to output the fraud prevention threshold based on the modification to the first piece of contact data and the resource request.
3 . The system of claim 1 , wherein the operations further comprise, prior to receiving the resource request:
receiving an enrollment request from a user device, the enrollment request being a request to enroll the first user account in the resource system;
in response to receiving the enrollment request, requesting a mobile communication from the second piece of contact data; and
upon receiving the mobile communication, verifying a user of the first user account and automatically enrolling the first user account in the resource system.
4 . The system of claim 1 , wherein the alert is a first alert, and wherein the operations further comprise:
detecting a closure of the first user account; and
in response detecting the closure of the first user account, automatically unenrolling the first user account from the resource system and transmitting a second alert including an indication of the unenrollment from the resource system to the user device.
5 . The system of claim 1 , wherein the resource request is a first resource request, the alert is a first alert, and wherein the operations further comprise, subsequent to detecting the modification to first the piece of contact data:
receiving a second resource request, the second resource request being a request for a transfer of data from the first user account to a third user account;
determining, based on the historical data associated with the first user account, that there has not been a previous transfer of data between the first user account and the third user account; and
in response to determining that there has not been a previous transfer of data between the first user account and the third user account:
determining a third time associated with the second resource request;
comparing a difference between the third time and the first time to the fraud prevention threshold; and
in response to the difference between the third time and the first time being greater than the fraud prevention threshold, generating a second alert including an indication of approval of the second resource request and transmitting the second alert to the user device associated with the first user account, wherein second alert causes execution of the transfer of data at the resource system.
6 . The system of claim 1 , wherein the resource request is a first resource request, the alert is a first alert, and wherein the operations further comprise, subsequent to detecting the modification to the first piece of contact data:
receiving a second resource request, the second resource request being a request for a transfer of data from the first user account to a third user account;
determining, based on the historical data associated with the first user account, that there has been a previous transfer of data between the first user account and the third user account; and
in response to determining that there has been a previous transfer of data between the first user account and the third user account, approving the resource request and transmitting a second alert including an indication of the approval of the resource request to the user device associated with the first user account, wherein second alert causes execution of the transfer of data at the resource system.
7 . The system of claim 1 , wherein the transmission of the alert further prevents an addition of a recipient to a resource system.
8 . A computer-implemented method comprising:
detecting a modification to a first piece of contact data of a user profile, the user profile being associated with a first user account;
receiving a resource request comprising a request to transfer data from the first user account to a second user account via a resource system;
determining, based on historical data associated with the first user account, that there has not been a previous transfer of data between the first user account and the second user account;
in response to determining that there has not been a previous transfer of data between the first user account and the second user account:
determining a first time associated with the modification to the first piece of contact data and determining a second time associated with the resource request;
comparing a difference between the second time and the first time to a fraud prevention threshold, the fraud prevention threshold being a duration of time; and
in response to the difference between the second time and the first time being less than the fraud prevention threshold, generating an alert comprising an indication of the modification to the first piece of contact data, and transmitting the alert to a user device associated with the first user account to prevent execution of the transfer of data at the resource system, wherein the alert is transmitted using a second piece of contact data that was in the user profile before the modification to the first piece of contact data.
9 . The computer-implemented method of claim 8 , further comprising determining the fraud prevention threshold using a machine learning model configured to output the fraud prevention threshold based on the modification to the first piece of contact data and the resource request.
10 . The computer-implemented method of claim 8 , wherein the method further comprises, prior to receiving the resource request:
receiving an enrollment request from a user device, the enrollment request being a request to enroll the first user account in the resource system;
in response to receiving the enrollment request, requesting a mobile communication from the second piece of contact data; and
upon receiving the mobile communication, verifying a user of the first user account and automatically enrolling the first user account in the resource system.
11 . The computer-implemented method of claim 8 , wherein the alert is a first alert, and wherein the method further comprises:
detecting a closure of the first user account; and
in response detecting the closure of the first user account, automatically unenrolling the first user account from the resource system and transmitting a second alert including an indication of the unenrollment from the resource system to the user device.
12 . The computer-implemented method of claim 8 , wherein the resource request is a first resource request, the alert is a first alert, and wherein the method further comprises, subsequent to detecting the modification to first the piece of contact data:
receiving a second resource request, the second resource request being a request for a transfer of data from the first user account to a third user account;
determining, based on the historical data associated with the first user account, that there has not been a previous transfer of data between the first user account and the third user account; and
in response to determining that there has not been a previous transfer of data between the first user account and the third user account:
determining a third time associated with the second resource request;
comparing a difference between the third time and the first time to the fraud prevention threshold; and
in response to the difference between the third time and the first time being greater than the fraud prevention threshold, generating a second alert including an indication of approval of the second resource request and transmitting the second alert to the user device associated with the first user account, wherein second alert causes execution of the transfer of data at the resource system.
13 . The computer-implemented method of claim 8 , wherein the resource request is a first resource request, the alert is a first alert, and wherein the method further comprises, subsequent to detecting the modification to the first piece of contact data:
receiving a second resource request, the second resource request being a request for a transfer of data from the first user account to a third user account;
determining, based on the historical data associated with the first user account, that there has been a previous transfer of data between the first user account and the third user account; and
in response to determining that there has been a previous transfer of data between the first user account and the third user account, approving the resource request and transmitting a second alert including an indication of the approval of the resource request to the user device associated with the first user account, wherein second alert causes execution of the transfer of data at the resource system.
14 . The computer-implemented method of claim 8 , wherein the transmission of the alert further prevents an addition of a recipient to a resource system.
15 . A non-transitory computer-readable medium comprising instructions that are executable by a processing device for causing the processing device to perform operations comprising:
detecting a modification to a first piece of contact data of a user profile, the user profile being associated with a first user account;
receiving a resource request to transfer data from the first user account to a second user account via a resource system;
determining, based on historical data associated with the first user account, that there has not been a previous transfer of data between the first user account and the second user account;
in response to determining that there has not been a previous transfer of data between the first user account and the second user account:
determining a first time associated with the modification to the first piece of contact data and determining a second time associated with the resource request;
comparing a difference between the second time and the first time to a fraud prevention threshold, the fraud prevention threshold being a duration of time; and
in response to the difference between the second time and the first time being less than the fraud prevention threshold, generating an alert comprising an indication of the modification to the first piece of contact data, and
transmitting the alert to a user device associated with the first user account to prevent execution of the transfer of data at the resource system, wherein the alert is transmitted using a second piece of contact data that was in the user profile before the modification to the first piece of contact data.
16 . The non-transitory computer-readable medium of claim 15 , wherein the operations further comprise:
determining the fraud prevention threshold using a machine learning model configured to output the fraud prevention threshold based on the modification to the first piece of contact data and the resource request.
17 . The non-transitory computer-readable medium of claim 15 , wherein the operations further comprise, prior to receiving the resource request:
receiving an enrollment request from a user device, the enrollment request being a request to enroll the first user account in the resource system;
in response to receiving the enrollment request, requesting a mobile communication from the second piece of contact data; and
upon receiving the mobile communication, verifying a user of the first user account and automatically enrolling the first user account in the resource system.
18 . The non-transitory computer-readable medium of claim 15 , wherein the alert is a first alert, and wherein the operations further comprise:
detecting a closure of the first user account; and
in response detecting the closure of the first user account, automatically unenrolling the first user account from the resource system and transmitting a second alert including an indication of the unenrollment from the resource system to the user device.
19 . The non-transitory computer-readable medium of claim 15 , wherein the resource request is a first resource request, the alert is a first alert, and wherein the operations further comprise, subsequent to detecting the modification to first the piece of contact data:
receiving a second resource request, the second resource request being a request for a transfer of data from the first user account to a third user account;
determining, based on the historical data associated with the first user account, that there has not been a previous transfer of data between the first user account and the third user account; and
in response to determining that there has not been a previous transfer of data between the first user account and the third user account:
determining a third time associated with the second resource request;
comparing a difference between the third time and the first time to the fraud prevention threshold; and
in response to the difference between the third time and the first time being greater than the fraud prevention threshold, generating a second alert including an indication of approval of the second resource request and transmitting the second alert to the user device associated with the first user account, wherein second alert causes execution of the transfer of data at the resource system.
20 . The non-transitory computer-readable medium of claim 15 , wherein the resource request is a first resource request, the alert is a first alert, and wherein the operations further comprise, subsequent to detecting the modification to the first piece of contact data:
receiving a second resource request, the second resource request being a request for a transfer of data from the first user account to a third user account;
determining, based on the historical data associated with the first user account, that there has been a previous transfer of data between the first user account and the third user account; and
in response to determining that there has been a previous transfer of data between the first user account and the third user account, approving the resource request and transmitting a second alert including an indication of the approval of the resource request to the user device associated with the first user account, wherein second alert causes execution of the transfer of data at the resource system.