US 12,355,800 B2
Trust scoring service for fraud prevention systems
John Hearty, Vancouver (CA); Parin Prashant Shah, Burnaby (CA); Jake Madison, Vancouver (CA); Sik Suen Chan, Richmond (CA); and Bingjing Yu, Richmond (CA)
Assigned to MASTERCARD TECHNOLOGIES CANADA ULC, Vancouver (CA)
Filed by MASTERCARD TECHNOLOGIES CANADA ULC, Vancouver (CA)
Filed on Jul. 29, 2022, as Appl. No. 17/877,160.
Claims priority of provisional application 63/227,648, filed on Jul. 30, 2021.
Prior Publication US 2023/0030124 A1, Feb. 2, 2023
Int. Cl. H04L 9/40 (2022.01)
CPC H04L 63/1433 (2013.01) [H04L 63/105 (2013.01); H04L 63/1425 (2013.01)] 17 Claims
OG exemplary drawing
 
1. A fraud prevention system comprising:
a client server; and
a fraud prevention server including an electronic processor and a memory, the memory including a trust scoring service,
wherein, when executing the trust scoring service, the electronic processor is configured to
receive a trust score request of a device from the client server,
generate, with a trust model, a trust score of the device, and
responsive to generating the trust score, output the trust score to the client server in satisfaction of the trust score request,
wherein the trust score is distinct from a risk factor, the trust score representing a predicted trust level of the device, and the risk factor representing a fraud risk level associated with the device based on one or more device behaviors,
wherein the trust score request includes information indicating device attributes associated with the device, and
wherein, when executing the trust scoring service, the electronic processor is further configured to
determine whether the device attributes are sufficient for generating the trust score of the device,
responsive to determining that the device attributes are not sufficient for generating the trust score of the device, output a null trust score to the client server in satisfaction of the trust score request, and
responsive to determining that the device attributes are sufficient for generating the trust score of the device, output the trust score to the client server in satisfaction of the trust score request.