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

Claim 28:
29. A system comprising:
an application server for hosting a mobile application service, wherein the application server comprises a first processor and a first memory;
a mobile device comprising a second processor and s second memory, wherein the memory is configured to store a mobile application for the mobile application service installed thereon, wherein the processor is configured to execute the mobile application; and
a third party server comprising a third processor and a third memory,
wherein the first memory of the application server stores instructions executable on the first processor of the application server, wherein the instructions are configured to cause the application server to:
receive a log-in request for the mobile application service from the mobile device, wherein the log-in request includes device identifying information for the mobile device;
transmit, to the 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;
receive from the third party server, the status setting for the mobile application; and
determine 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.