Patent ID: 8364588

Claim:
A computerized method comprising: accessing computer-executable instructions from at least one computer-readable storage medium; and executing the computer-executable instructions, thereby causing computer hardware comprising at least one computer processor to perform operations comprising: analyzing data associated with a credit line during an application stage for predictive variables for use in a plurality of models for first party fraud, wherein the analyzing includes analyzing information provided by an entity applying for a credit line for false information; flagging an account during the application stage when at least one or more predictive application stage variables of first party cause a fraud score to exceed a pre-described fraud likelihood threshold; analyzing data associated with one or more previously flagged, existing credit lines after the application stage for elements to be used in a model to predict first party fraud in one or more of the existing credit lines; merging a first party fraud score associated with the application with a second first party fraud score associated with the application; and automatically attempting to contact the entity associated with a flagged account.