Visa International Service Association

Andrew Naumann Zu Koenigsbrueck

B Scott Boding

Embodiments of the invention broadly described, introduce systems and methods for detecting the likelihood that a transaction is fraudulent using user access pattern data and device fingerprint data. One embodiment of the invention discloses a method for determining the likelihood that a payment transaction is fraudulent. The method comprises receiving user access pattern data generated by a user client computer, receiving a device fingerprint associated with the user client computer conducting a payment transaction, determining, using the user access pattern data and the device fingerprint, a likelihood that the payment transaction is fraudulent.

Method and system for data security utilizing user behavior and device identification

Systems and methods are provided for detecting the likelihood that a transaction is fraudulent using user access pattern data and device fingerprint data. One embodiment of the invention discloses a method for determining the likelihood that a payment transaction is fraudulent. For example, a transaction analysis system can receive user access pattern data generated by a user client computer, receive a device fingerprint associated with the user client computer conducting a payment transaction, and determine, using the user access pattern data and the device fingerprint, a likelihood that the payment transaction is fraudulent.

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Princeton, NJ, United States of America

Andrew Naumann Zu Koenigsbrueck