A fraud prevention system comprising: a fraud prevention server including an electronic processor and a memory , the memory including an online application origination (OAO) service, wherein, when executing the OAO service, the electronic processor is configured to determine whether the OAO service is enabled, determine whether a website configuration includes a list of multi-page placements for an online application, determine that input data needs to be stored in the memory and combined into multi-page input data in response to determining that the OAO service is enabled and that the website configuration includes the list of multi-page placements for the online application, determine a fraud risk score of the online application based on the multi-page input data and 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 a client server to approve, hold, or deny the online application based on the fraud risk score that is determined; wherein the electronic processor is further configured to determine whether the website configuration includes an additional specific webpage placement that is configured as multi-page flow, and determine that an additional set of input data needs to be stored in the memory and combined into the multipage input data in response to determining that the website configuration includes the additional specific webpage placement that is configured as the multi-page flow. a fraud prevention server including an electronic processor and a memory , the memory including an online application origination (OAO) service, wherein, when executing the OAO service, the electronic processor is configured to determine whether the OAO service is enabled, determine whether a website configuration includes a list of multi-page placements for an online application, determine that input data needs to be stored in the memory and combined into multi-page input data in response to determining that the OAO service is enabled and that the website configuration includes the list of multi-page placements for the online application, determine a fraud risk score of the online application based on the multi-page input data and 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 a client server to approve, hold, or deny the online application based on the fraud risk score that is determined; wherein the electronic processor is further configured to determine whether the OAO service is enabled, determine whether a website configuration includes a list of multi-page placements for an online application, determine that input data needs to be stored in the memory and combined into multi-page input data in response to determining that the OAO service is enabled and that the website configuration includes the list of multi-page placements for the online application, determine a fraud risk score of the online application based on the multi-page input data and 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 a client server to approve, hold, or deny the online application based on the fraud risk score that is determined; determine whether the website configuration includes an additional specific webpage placement that is configured as multi-page flow, and determine that an additional set of input data needs to be stored in the memory and combined into the multipage input data in response to determining that the website configuration includes the additional specific webpage placement that is configured as the multi-page flow. <EOS>