CPC G06Q 20/405 (2013.01) [G06Q 10/0635 (2013.01); G06Q 20/4014 (2013.01); G06Q 20/4016 (2013.01)] | 18 Claims |
1. A system comprising:
one or more processors; and
a non-transitory computer-readable storage medium storing computer-executable instructions that cause the one or more processors to:
receive device information associated with a computing device gathered through device information gathering code executed by the computing device, wherein the device information is received in response to a request for a service of a service provider, wherein the request is made from an individual alleging to be a particular consumer, wherein the device information includes at least one or more of:
a device identifier for the computing device,
geolocation of the computing device,
a characteristic of a browser operating on the computing device, or
information pertaining to a proxy service;
determine a fraud risk for the computing device or the request, wherein the fraud risk is determined at least in part by comparing the device information with information previously associated with the particular consumer, wherein an identity of the particular consumer is unknown to the service provider, wherein the fraud risk is based on one or more potential fraud behaviors derived from at least the device information;
determine that the fraud risk meets a predetermined risk threshold;
transmit to the service provider an indication of high risk associated with the computing device or the request; and
lock new account opening opportunities with respect to the particular consumer such that the system, while the lock remains in effect, prevents any new accounts with a plurality of service providers from being opened using identity information of the particular consumer.
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