Patent Document ID: 9754256
Application ID: 15151346
Patent Flag: 1

Claim One:
1. A computerized method for performing variable risk assessment for an online transaction, the computerized method comprising: accessing electronic information associated with an online transaction while the online transaction is in progress; identifying one or more characteristics of the online transaction based at least in part on the electronic information; selecting a set of tests for a real-time risk analysis based at least in part on the one or more characteristics of the online transaction; performing the set of tests while the online transaction is in progress until an event condition is met; determining a subset of tests of the set of tests which is not completed before the event condition is met; continuing to perform the subset of tests as a time-delayed risk analysis, the time-delayed risk analysis is completed after the online transaction ends; selecting a second set of tests for the time-delayed analysis; performing at least a portion of the second set of tests in parallel with the subset of tests; and assessing an overall risk of fraud for the online transaction based at least in part on results of the set of tests including results of the real-time risk analysis before the event condition is met and results of the time-delayed risk analysis.