Patent Document ID: 9031877
Application ID: 13906870
Patent Status: 1

Claim One:
1. A payment product fraud prevention method involving a mobile device running an app, the app scraping URLs from websites browsed by a user using the mobile device, the method comprising: periodically receiving, by at least one computing device platform server, data from the app on the mobile device, the data comprising at least one of the scraped URLs; associating, by the at least one computing device platform server, the at least one scraped URL and a time stamp with registration information of a user account of the mobile device; receiving, by the at least one computing device platform server, authorization data of a transaction comprising at least a merchant identifier from a payment server; associating, by the at least one computing device platform server, the merchant identifier with the user account registration information; retrieving, by the at least one computing device platform server, via a database, a correlation between the merchant identifier and URLs of the merchant; retrieving, by the at least one computing device platform server, the at least one scraped URL received within a preselected time period prior to the transaction; comparing, by the at least one computing device platform server, (i) at least one of the merchant identifier and the URLs of the merchant against (ii) the retrieved at least one scraped URL; by the at least one computing device platform server, calculating at least one score that the transaction is fraudulent based on a degree of similarity between (a) the merchant identifier and the URLs of the merchant and (b) the retrieved at least one scraped URL, and determining a threat level using the at least one score; and transmitting to the app on the mobile device a notification comprising the determined threat level and an additional message from the at least one computing device platform server.