| 摘要 |
A method for identifying fraud factors includes: storing data points; storing financial transactions; storing a plurality of consumer data entries, each data entry associated with a consumer and including a mobile device identifier and account identifier; identifying a home market for a data entry based on usage patterns of an associated financial account; identifying, at a predetermined time, a geographic location of a mobile device associated with the data entry; storing a location data point for the geographic location if the geographic location is outside of a predetermined distance from the home market, wherein the location data point includes the identified geographic location, the consumer associated with the data entry, and a time and/or date at which the geographic location was identified; and identifying a fraud factor for detecting fraud in a transaction, the fraud factor based on the financial transactions, the data points, and the location data point. |
| 主权项 |
1. A method for identifying fraud factors, comprising:
storing, in a fraud database, a plurality of data points; storing, in a transaction database, a plurality of financial transactions; storing, in a consumer database, a plurality of consumer data entries, wherein each consumer data entry is associated with a consumer and includes at least a mobile device identifier and an account identifier; identifying, by a processing device, at least one home market for each consumer data entry in the plurality of consumer data entries based on usage patterns of a financial account associated with the account identifier; associating, in the consumer database, the identified at least one home market with the corresponding consumer data entry; identifying, at a predetermined time, a geographic location of a mobile device 108 associated with the mobile device identifier for each consumer data entry; storing, in the fraud database, a location data point for each identified geographic location if the identified geographic location is outside of a predetermined distance from the at least one home market associated with the corresponding consumer data entry, wherein the location data point includes at least the identified geographic location, the consumer associated with the corresponding consumer data entry, and a time and/or date at which the geographic location was identified; and identifying, by the processing device, at least one fraud factor for detecting fraud in a financial transaction, wherein the at least one fraud factor is based on at least the plurality of financial transactions, the plurality of data points, and each location data point. |
