Patent Document ID: 10102530
Application ID: 15950859
Patent Flag: 1

Claim One:
1. A computer-implemented method comprising: receiving, from a first computing device controlling one or more financial services and over one or more financial channels, data associated with a transaction involving a financial transaction device, the transaction occurring at an Internet website of a merchant, the merchant having a merchant profile, the merchant profile associated with a set of variables; retrieving, from a merchant profile store, the merchant profile for the merchant; retrieving, from a card profile store, a financial transaction device profile for the financial transaction device; determining whether the transaction is a test event by: calculating a score using the received data and the set of variables; and comparing the score to a threshold value; attaching, in response to the determining, a merchant probe flag to the merchant profile, the merchant probe flag indicating a likelihood that the test event has occurred at the Internet website of the merchant; attaching, to the financial transaction profile and in response to the merchant probe flag being attached to the merchant profile, a probe flag associated with the financial transaction device to indicate whether the financial transaction device is in a probed state; receiving, from a second computing device controlling one or more financial services and over one or more financial channels, data associated with a second transaction involving the financial transaction device having the probe flag; subjecting, in response to the financial transaction device having the probe flag, the second transaction and the financial transaction device to a specialized fraud scoring model, the specialized fraud scoring model separate from the fraud model applied to financial transactions associated with financial transaction devices that do not have the probe flag; and blocking the second transaction from completing based on a fraud score using the specialized fraud scoring model satisfying a threshold value, and wherein the receiving, the retrieving, the calculating, the determining, the attaching, the subjecting, and the blocking are performed by at least one processor.