US 12,223,516 B2
Multi-page online application origination (OAO) service for fraud prevention systems
John Hearty, Vancouver (CA); Anton Laptiev, Vancouver (CA); Hanhan Wu, Surrey (CA); Carrie Ka Lai Cheung, Burnaby (CA); Igor Opushnyev, New Westminster (CA); Sik Suen Chan, Richmond (CA); and Parin Prashant Shah, Vancouver (CA)
Assigned to Mastercard Technologies Canada ULC, Vancouver (CA)
Filed by Mastercard Technologies Canada ULC, Vancouver (CA)
Filed on Feb. 28, 2020, as Appl. No. 16/804,725.
Claims priority of provisional application 62/812,749, filed on Mar. 1, 2019.
Claims priority of provisional application 62/976,026, filed on Feb. 13, 2020.
Prior Publication US 2020/0279266 A1, Sep. 3, 2020
Int. Cl. G06Q 30/018 (2023.01); G06F 11/30 (2006.01); G06F 11/34 (2006.01); G06F 21/31 (2013.01); G06F 21/55 (2013.01); G06Q 10/10 (2023.01); G06Q 20/02 (2012.01); G06Q 20/40 (2012.01); G06Q 40/03 (2023.01); G06Q 50/26 (2024.01); H04L 9/40 (2022.01); H04L 67/50 (2022.01)
CPC G06Q 30/0185 (2013.01) [G06F 11/302 (2013.01); G06F 11/3438 (2013.01); G06F 21/316 (2013.01); G06F 21/554 (2013.01); G06Q 10/10 (2013.01); G06Q 20/027 (2013.01); G06Q 20/40145 (2013.01); G06Q 20/4016 (2013.01); G06Q 20/4093 (2013.01); G06Q 20/4097 (2013.01); G06Q 40/03 (2023.01); G06Q 50/265 (2013.01); H04L 63/1425 (2013.01); H04L 63/1433 (2013.01); H04L 67/535 (2022.05)] 17 Claims
OG exemplary drawing
 
1. A fraud prevention system for determining a fraudulent actor, the system comprising:
a fraud prevention server including an electronic processor and a memory, the memory including an online application origination (OAO) service,
wherein the OAO service is instructions that, when executed by the electronic processor, causes the electronic processor to perform a set of operations including
determining whether a first website configuration of a first online application has a multi-webpage flow;
responsive to determining that the first website configuration of the first online application does not have the multi-webpage flow, the set of operations further includes
calculating first input data on a single webpage of the first online application;
storing the first input data in the memory;
determining a first fraud risk score of the first online application based on the first input data and a first online application origination (OAO) model differentiating between a behavior of a first normal user and a behavior of a first actor during a submission of the first online application on a first device;
determining whether a second website configuration of a second online application has the multi-webpage flow;
responsive to determining that the second website configuration of the second online application has the multi-webpage flow, the set of operations further includes
calculating second input data on each webpage of a plurality of webpages of the second online application;
storing the second input data in the memory;
combining all of the second input data associated with a single session of the multi-webpage flow into multi-webpage input data;
storing the multi-webpage input data in the memory;
determining a second fraud risk score of the second online application based on the multi-webpage input data and a second online application origination (OAO) model differentiating between a behavior of a second normal user and a behavior of a second actor during a submission of the second online application on a second device; and
generating an approval signal, a hold signal, or a denial signal for the first online application or the second online application, based on the first fraud risk score or the second fraud risk score, respectively; and
transmitting the approval signal, the hold signal, or the denial signal for the first online application or the second online application to a client server.