Method, medium, and system for reducing fraud
Techniques for reducing fraud are disclosed. A transaction request is received from a user to perform a transaction using an account. In one approach, a source icon is displayed prior to executing the request. The source icon includes a graphical representation of an owner of the account. In another approach, at least one of a photograph and a voice of the user is recorded prior to executing the request. In a third approach, the user is informed that at least one of a photograph, a voice print, and location data will be taken prior to executing the transaction request.
1. A system, comprising:
one or more processors configured to:
render, in one or more interfaces, a virtual likeness of a face associated with an account holder, wherein the virtual likeness of the face was selected by the account holder as part of an enrollment;
subsequent to an interaction by a user with an icon rendered in the one or more interfaces:
capture contextual information comprising location data usable to determine a physical location associated with the user; and
capture a set of biometric information, wherein capturing the set of biometric information comprises capturing, using a camera, a set of images; and
facilitate a fraud detection analysis to determine whether to allow an electronic transaction associated with the account holder to proceed based at least in part on:
the physical location associated with the user determined using the captured location data; and
an analysis of the set of captured biometric information comprising a determination of whether the user is alive based at least in part on an analysis of the set of images captured using the camera; and
a memory coupled to the one or more processors and configured to provide the processor with instructions.
2. The system recited in claim 1 , wherein the account holder comprises a recipient of the electronic transaction, and wherein the electronic transaction comprises a payment from the user to the account holder.
3. The system recited in claim 1 , wherein the icon represents a form of payment.
4. The system recited in claim 1 , wherein the image comprises at least one of a photograph or an avatar.
5. The system recited in claim 1 , wherein the one or more interfaces are associated with at least one of a phone, a tablet device, or a laptop.
6. A method, comprising:
rendering, in one or more interfaces, a virtual likeness of a face associated with an account holder, wherein the virtual likeness of the face was selected by the account holder as part of an enrollment;
subsequent to an interaction by a user with an icon rendered in the one or more interfaces:
capturing contextual information comprising location data usable to determine a physical location associated with the user; and
capturing a set of biometric information, wherein capturing the set of biometric information comprises capturing, using a camera, a set of images; and
facilitating a fraud detection analysis to determine whether to allow an electronic transaction associated with the account holder to proceed based at least in part on:
the physical location associated with the user determined using the captured location data; and
an analysis of the set of captured biometric information comprising a determination of whether the user is alive based at least in part on an analysis of the set of images captured using the camera.
7. The method of claim 6 , wherein the account holder comprises a recipient of the electronic transaction, and wherein the electronic transaction comprises a payment from the user to the account holder.
8. The method of claim 6 , wherein the icon represents a form of payment.
9. The method of claim 6 , wherein the image comprises at least one of a photograph or an avatar.
10. The method of claim 6 , wherein the one or more interfaces are associated with at least one of a phone, a tablet device, or a laptop.
11. A computer program product embodied in a non-transitory computer readable storage medium and comprising computer instructions for:
rendering, in one or more interfaces, a virtual likeness of a face associated with an account holder, wherein the virtual likeness of the face was selected by the account holder as part of an enrollment;
subsequent to an interaction by a user with an icon rendered in the one or more interfaces:
capturing contextual information comprising location data usable to determine a physical location associated with the user; and
capturing a set of biometric information, wherein capturing the set of biometric information comprises capturing, using a camera, a set of images; and
facilitating a fraud detection analysis to determine whether to allow an electronic transaction associated with the account holder to proceed based at least in part on:
the physical location associated with the user determined using the captured location data; and
an analysis of the set of captured biometric information comprising a determination of whether the user is alive based at least in part on an analysis of the set of images captured using the camera.
12. The system recited in claim 1 , wherein the analysis of the set of images captured using the camera further comprises determining whether a face is detected in the captured set of images.
13. The system recited in claim 1 , wherein the analysis of the set of images captured using the camera further comprises determining whether a threshold amount of flesh tone is present in the captured set of images.
14. The system recited in claim 1 , wherein the set of images comprises a plurality of images successively captured using the camera.
15. The system recited in claim 1 , wherein the set of captured biometric information further comprises an audio sample.
16. The system recited in claim 15 , wherein facilitating the fraud detection analysis to determine whether the electronic transaction associated with the account holder is allowed to proceed is further based at least in part on a determination of whether the audio sample matches a previously recorded voice sample.
17. The system recited in claim 16 , wherein the determination of whether the audio sample matches the previously recorded voice sample is based at least in part on performing a Fast Fourier Transform.
18. The method of claim 6 , wherein the analysis of the set of images captured using the camera further comprises determining whether a face is detected in the captured set of images.
19. The method of claim 6 , wherein the analysis of the set of images captured using the camera further comprises determining whether a threshold amount of flesh tone is present in the captured set of images.
20. The method of claim 6 , wherein the set of images comprises a plurality of images successively captured using the camera.
21. The method of claim 6 , wherein the set of captured biometric information further comprises an audio sample.
22. The method of claim 21 , wherein facilitating the fraud detection analysis to determine whether the electronic transaction associated with the account holder is allowed to proceed is further based at least in part on a determination of whether the audio sample matches a previously recorded voice sample.
23. The method of claim 22 , wherein the determination of whether the audio sample matches the previously recorded voice sample is based at least in part on performing a Fast Fourier Transform.