Patent ID: 11937090
Assignee: MORGAN STANLEY SERVICES GROUP INC.
Field: Digital communication (Electrical engineering)
Classification: CPC H | IPC H

Claim 29:
30. A method comprising:
receiving, by an application server that hosts a mobile application service, a log-in request from a mobile device that has a mobile application for the mobile application service thereon, wherein the log-in request includes device identifying information for the mobile device;
transmitting, by the application server, to a third party server, a request for a status setting for the mobile application, wherein the request comprises the device identifying information for the mobile device, and wherein the status setting comprises a plurality of bits, and wherein the third party server retrieves the status setting from a database based on the device identifying information for the mobile device;
receiving, by the application server, from the third party server, the status setting for the mobile application; and
determining, by the application server, a risk rating for the log-in request based in part on the status setting for the mobile application; and
wherein the status setting comprises a first bit and a second bit corresponding to five states defined as:
the mobile device has never been used before when no bits are returned;
the mobile device has been seen by the mobile application but it has never logged in when both bits are zero;
the mobile device has logged in when the first bit is zero and the second bit is one;
the mobile device is no longer being used by a client when the first bit is one and the second bit is zero; and
the mobile device has been used for fraud when both bits are one.