Mastercard Technologies Canada Ulc

Hanhan Wu

Anton Laptiev

Parin Prashant Shah

John Hearty

Sik Suen Chan

Igor Opushnyev

Carrie Ka Lai Cheung

Christopher Bailey

Randy Lukashuk

Perry McGee

Jake Madison

Nicholas Desmond

Cristian Frentiu

Karen Rose Taylor

Carrie Kai Lai Cheung

A fraud prevention system that includes a fraud prevention server including an electronic processor and a memory. The memory includes an online application origination (OAO) service. When executing the OAO service, the electronic processor is configured to determine whether the OAO service is enabled and whether a website configuration includes a list of multi-page placements for an online application, determine that input data needs to be stored in the memory and combined into multi-page input data, determine a fraud risk score of the online application based on the multi-page input data and an online application origination (OAO) model that differentiates between a behavior of a normal user and a behavior of a nefarious actor during a submission of the online application on a device, and control a client server to approve, hold, or deny the online application based on the fraud risk score that is determined.

Multi-page online application origination (OAO) service for fraud prevention systems

User identification with blended response from dual-layer identification service. In one embodiment, a server comprising an electronic processor configured to detect an access request by a user of a user interface device, retrieve a plurality of input profile records from an input profile record repository, perform an identification of the user with one or more passive biometrics models and the plurality of input profile records that are retrieved, generate an identification response and an additional identification request based on an outcome of the identification of the user, control the communication interface to transmit the additional identification request to the second server via the network, receive a second identification response from the second server, and generate a blended response by modifying one or more characteristics of the identification response with the second identification response, the blended response indicating the identification of the user.

User identification with blended response from dual-layer identification service

A system for determining a fraud risk score associated with a transaction. The system includes a server including an electronic processor. The electronic processor is configured to determine a plurality of rules based on a plurality of transactions over time and extract one or more features of the transaction. The electronic processor is also configured to select, based on the plurality of rules, a plurality of fraud risk features Each non-categorical fraud risk feature selected is associated with a fraud risk feature value and each categorical fraud risk feature selected is associated with a categorical variable value. The electronic processor is configured to determine, for each categorical fraud risk feature, a fraud risk feature value. The electronic processor is also configured to determine the fraud risk score based on the one or more of the transformed fraud risk feature values.

Determining a fraud risk score associated with a transaction

A system, method and computer-readable medium for recommending signals to monitor in a fraud prevention application, including a server including an electronic processor. The electronic processor is configured to calculate a similarity score for one or more clients, and, for one or more signals, determine, for each of the one or more clients, a signal weight associated with the signal. The electronic processor is also configured to multiply the signal weight by the similarity score associated with the client to generate a weighted similarity score and generate a total similarity score and, for each signal, a total weighted similarity score. The electronic processor is configured to, for each signal, generate a recommendation score based on the total weighted similarity score for the signal and the total similarity score for the signal and, based on the recommendation scores, generate one or more recommended signals for a first client.

Recommending signals to monitor in a fraud prevention application

A fraud prevention system that includes a fraud prevention server including an electronic processor and a memory. The memory includes a feature drift hardened online application origination (OAO) service. When executing the feature drift hardened OAO service, the electronic processor is configured to detect, with respect to a first OAO model, feature drift in a dataset of an online application that exceeds a predefined threshold, generate one or more feature drift hardened OAO models that mitigate the feature drift, determine a fraud score of the online application based on the one or more feature drift hardened OAO models that differentiates between a behavior of a normal user and a behavior of a nefarious actor during a submission of the online application on a device and mitigates the feature drift, and control a client server to approve, hold, or deny the online application based on the fraud score.

Feature drift hardened online application origination (OAO) service for fraud prevention systems

An account recommendation system that includes a server. The server is operable to identify a user account based on a server-side persistent device identification. The server includes a processor and a memory. The server is configured to receive a request including one or more attributes related to a client device, identify the server-side persistent device identification ('PDI') record for the client device based on the one or more attributes of the client device, identify one or more candidate accounts based on the server-side persistent device identification, determine confidence scores for each of the one or more candidate accounts, generate a recommendation signal for the user account associated with the client device based on the confidence scores, and transmit the recommendation signal to a merchant server.

Account recommendation based on server-side, persistent device identification

A fraud prevention system that includes a server. The server is operable to receive a first attribute of a client device from the client device and associated with a first transaction, receive a second attribute of the client device from the client device and associated with the first transaction, receive a third attribute related to the client device and associated with the first transaction, and generate a persistent device identification ('PDI') record including the first attribute, the second attribute, and the third attribute, store the PDI record in a memory, receive the third attribute related to the client device and associated with a second transaction, and identify the client device using the PDI record based on the third attribute without receiving, in association with the second transaction, the first attribute of the client device and the second attribute of the client device.

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Surrey, Canada

Hanhan Wu