Online application origination (OAO) service for fraud prevention systems
US12354118B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Feb 28, 2020 |
| Grant date | Jul 8, 2025 |
| Priority date | — |
| Expiry date | Jul 7, 2040 |
Classification
- Technology area (CPC H)Electricity
- CPC primaryH04L67/535
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
A fraud prevention system that includes a client server and a fraud prevention server. The fraud prevention server includes 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 a fraud score of an online application based on 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 the client server to approve, hold, or deny the online application based on the fraud score that is determined.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.