Patent ID: 8290838

Claim:
A computer-implemented method, comprising: detecting a first pending request, from a first account, for a first online financial transaction at a first point in time; detecting a second pending request, from a second account lacking an association with the first account, for a second online financial transaction at a second point in time; responsive to detecting the first pending request and the second pending request, determining that the first point in time and the second point in time are within a threshold period of time and whether one or more relationships exist between the first account and the second account by matching records that are common between the first account and the second account; and if one or more relationships exist, computing, using one or more processors, a fraud value based at least in part on predetermined point values of account attributes for each of the first account involved in the first pending request and the second account involved in the second pending request; and providing an indication if the fraud value exceeds a predetermined threshold value, the indication to initiate a denial of at least one of the first pending request for the first online financial transaction or the second pending request for the second online financial transaction or to initiate human inspection of details of the first account and the second account.