Patent ID: 11875356
Assignee: MASTERCARD INTERNATIONAL INCORPORATED
Field: Digital communication (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 0:
1. A method for fraud modeling based on shared computing device usage, comprising:
storing, in a transaction database of a processing server, a plurality of transaction data entries, wherein each transaction data entry includes a transaction date and/or time, an account identifier, and a device identifier associated with a computing device;
receiving, by a receiving device of the processing server, a transaction message for a payment transaction, wherein the transaction message a specific device identifier and;
executing, by a querying module of the processing server, a query on the transaction database to identify one or more transaction data entries where the device identifier included therein corresponds to the specific device identifier included in the received transaction message;
determining, by a determination module of the processing server, a fraud risk rating based on at least a plural number of unique account identifiers included in the identified one or more transaction data entries where the included device identifier corresponds to the specific device identifier over a predetermined period of time and the primary account number stored in the received transaction message; and
electronically transmitting, by a transmitting device of the processing server, the received transaction message and the determined fraud risk rating to a financial institution associated with the primary account number included in the received transaction message.