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

Claim 10:
11. A system for fraud modeling based on shared computing device usage, comprising:
a transaction database of a processing server configured to store 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;
a receiving device of the processing server configured to receive a transaction message for a payment transaction, wherein the transaction message includes a specific device identifier and a primary account number;
a querying module of the processing server configured to execute 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;
a determination module of the processing server configured to determine 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 included in the received transaction message; and
a transmitting device of the processing server configured to electronically transmit 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.