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Systems and methods of sharing information through a tag-based consortium

  • US 10,616,201 B2
  • Filed: 03/06/2018
  • Issued: 04/07/2020
  • Est. Priority Date: 03/25/2009
  • Status: Active Grant
First Claim
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1. A system comprising:

  • a network interface configured to communicate with a plurality of network service devices comprising a first network service device associated with a first institution;

    a data store configured to store computer-executable instructions; and

    a processor in communication with the data store, the processor, when executing the computer-executable instructions, configured to, during an online transaction;

    access a first plurality of transaction tags associated with a plurality of customer computing devices, the first plurality of transaction tags generated by a first server computing device;

    determine, for each of the first plurality of transaction tags, a corresponding tag-generation timestamp indicative of a time of creation of the each of the first plurality of transaction tags;

    automatically analyze the tag-generation timestamps of each of the first plurality of transaction tags by initiating a fraud detection protocol to determine a subset of transaction tags within the first plurality of transaction tags that have corresponding tag-generation timestamps that fall within a predetermined time interval of the initiation of the fraud detection protocol, wherein the fraud detection protocol provides an indication of an increased risk of fraud associated with a threshold predetermined number of transaction tags with corresponding tag-generation timestamps that fall within the predetermined time interval of the initiation of the fraud detection protocol;

    determine that a number of transaction tags in the subset of transaction tags is greater than the threshold predetermined number;

    associate an increased risk of fraud with the subset of transaction tags, based at least in part on the determination that the number of transaction tags within the first plurality of transaction tags is greater than the threshold predetermined number;

    generate a risk data packet configured for transmission to at least the first network service, the risk data packet comprising encrypted identifying information associated with the subset of the first plurality of transaction tags with corresponding tag-generation timestamps that fall within the predetermined time interval of the initiation of the fraud detection protocol and an electronic indication of the increased risk of fraud associated with the subset of transaction tags and the first server computing device; and

    share the risk data packet with other network service devices.

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