Method and system for identifying users and detecting fraud by use of the internet

摘要

A method and system for detecting and preventing Internet fraud in online transactions by utilizing and analyzing a number of parameters to uniquely identify a computer user and potential fraudulent transaction through predictive modeling. The method and system uses a delta of time between the clock of the computer used by the actual fraudulent use and the potentially fraudulent user and the clock of the server computer in conjunction with personal information and/or non-personal information, preferably the Browser ID.

主权项

1. A fingerprinting method to identify a user computer from other computers for an online transaction with an electronic commerce business comprising the steps of:
creating, with aid of a processor, a first computer identifier in the course of a first online transaction with the electronic commerce business, and a second computer identifier in the course of a second online transaction with the electronic commerce business, wherein the first computer identifier identifies the user computer, wherein each computer identifier includes a delta of time parameter defined during the course of the online transaction by a time difference measured between a first clock measurement equal to a user computer local time and a second clock measurement equal to an electronic commerce business local time over a selected time interval; flagging the first computer identifier in response to determining the first online transaction may be a fraudulent transaction; comparing, with aid of the processor, the first computer identifier and the second computer identifier; determining, with aid of the processor, that a measured difference between the delta of time parameter of the first computer identifier and the delta of time parameter of the second computer identifier falls within a selected range; and indicating, to the electronic commerce business, that the user computer was used in the first online transaction and the second online transaction, based at least on the determination that the measured difference falls within the selected range.