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Method, medium, and system for online fraud prevention

  • US 10,134,041 B2
  • Filed: 08/11/2017
  • Issued: 11/20/2018
  • Est. Priority Date: 07/03/2013
  • Status: Active Grant
First Claim
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1. A computer-implemented method to reduce fraud in online transactions by correlating shopping behaviors of users in physical merchant locations with product identification information associated with products being purchased in the online transactions, comprising:

  • logging, by one or more computing devices, a location history of a user computing device, the location history comprising physical merchant locations visited by the user computing device;

    associating, by the one or more computing devices, user activity data comprising the logged location history of the user computing device with a record for the user;

    receiving, by the one or more computing devices, a request from an online merchant computing system, wherein the request identifies a product for a transaction involving an account of the user and provides information sufficient to identify the record of the user;

    determining, by the one or more computing devices, one or more physical merchant locations at which the product may be purchased;

    comparing, by the one or more computing devices, the one or more physical merchant locations visited by the user in the logged location history of the user with the one or more physical merchant locations at which the product may be purchased;

    determining, by the one or more computing devices, based on the comparison, that one or more particular physical merchant locations logged in the location history of the user is a match of one or more physical merchant locations at which the product may be purchased; and

    determining, by the one or more computing devices, a risk indicator for the transaction based on the match of the one or more particular physical merchant locations logged in the location history of the user to the one or more physical merchant locations at which the product may be purchased, wherein the determined risk indicator is lower based on the presence of one or more matches between the particular physical merchant locations logged in the location history of the user and the one or more physical merchant locations at which the product may be purchased, and wherein a lower risk indicator is associated with a transaction that has a lower risk of fraud and a higher risk indicator is associated with a transaction that has a higher risk of fraud.

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