Patent 12020257 was granted and assigned to Chime Financial, Inc. on June, 2024 by the United States Patent and Trademark Office.
This disclosure describes an intelligent fraud detections system that, as part of an inter-network facilitation system, can intelligently generate fraud predictions for digital claims to improve accuracy and efficiency of network-transaction security systems. For example, the disclosed systems can utilize a fraud detection machine-learning model to generate a fraud prediction for a digital claim disputing a digital transaction. Indeed, the disclosed systems can identify features of a digital claim and, based on those features, utilize a fraud detection machine-learning model to generate a fraud prediction for the digital claim. Additionally, based on the fraud prediction, the disclosed systems can perform authorizing, remedial, or other actions with regard to the digital claim.