Don't they already have software like this? The old scam where they say 'we have detected suspicious activity in your account' has to be based on something, right?
But yeah, it's pretty obvious that if anyone says you can 'get rich quick', then it's a con or something dodgy is involved in it.
In credit cards any transaction outside your regular pattern of transactions are immediately detected. So the detections may have been first reported by the banks.