Granted Patent B2

US 12,665,892 · App. 18/886,286 · Granted Jun 23, 2026

Inventor: Ori Eisen (Scottsdale, AZ)

Assignee: The 41st Parameter, Inc.

H04L63/08H04L63/0807H04L63/10H04L63/1408H04L63/1483

Abstract

Claims (41)

1 . A system comprising:

a network interface configured to communicate with a plurality of network service devices comprising a first network service device;

a data store configured to store computer-executable instructions; and

a processor in communication with the data store, the processor, when executing the computer-executable instructions, configured to, during an online transaction:

automatically analyze a tag-generation timestamp corresponding to each of a first plurality of transaction tags by initiating a fraud detection protocol to determine a subset of transaction tags within the first plurality of transaction tags, wherein each of the subset of transaction tags has a corresponding tag-generation timestamp that falls within a predetermined time interval of the initiating of the fraud detection protocol;

generate a risk data packet configured for transmission to at least the first network service device, the risk data packet comprising an electronic indication of an increased risk of fraud associated with the subset of transaction tags; and

share the risk data packet with other network service devices.

2 . The system of claim 1 , wherein the computer-executable instructions further cause the processor to:

determine, for each of the first plurality of transaction tags, the tag-generation timestamp,

wherein the first plurality of transaction tags are associated with a plurality of customer computing devices and generated by a first server computing device, and wherein the tag-generation timestamp is indicative of a time of creation for each of the first plurality of transaction tags.

3 . The system of claim 2 , wherein the tag-generation timestamp is associated with a clock of the first server computing device.

4 . The system of claim 1 , wherein the first plurality of transaction tags are generated during the online transaction.

5 . The system of claim 1 , wherein the first plurality of transaction tags comprise a first transaction tag and a second transaction tag, and wherein the first transaction tag and the second transaction tag are generated at various points during the online transaction.

6 . The system of claim 1 , wherein the computer-executable instructions further cause the processor to:

determine that a number of transaction tags in the subset of transaction tags is greater than a threshold predetermined number.

7 . The system of claim 1 , wherein one of the first plurality of transaction tags comprises at least one of following customer personal information: name, address, billing/shipping information, phone number, driver license number, email address, or credit card number.

8 . The system of claim 1 , wherein one of the first plurality of transaction tags comprises at least one of following non-personal information: IP address or browser ID, device settings, delta-of-time parameter, or timestamp format.

9 . The system of claim 1 , wherein the computer-executable instructions further cause the processor to:

associate the increased risk of fraud with the subset of transaction tags.

10 . The system of claim 9 , wherein the risk data packet comprises encrypted identifying information associated with the subset of transaction tags within the first plurality of transaction tags.

11 . A computer-implemented method implemented at a system, the system comprising a processor and a network interface that is configured to communicate at least with a first network service device, wherein the computer-implemented method comprises, by the processor during an online transaction:

automatically analyzing a tag-generation timestamp of each of a first plurality of transaction tags by initiating a fraud detection protocol to determine a subset of transaction tags within the first plurality of transaction tags, wherein each of the subset of transaction tags has a corresponding tag-generation timestamp that falls within a predetermined time interval of the initiating of the fraud detection protocol;

generating a risk data packet configured for transmission to at least the first network service device, the risk data packet comprising an electronic indication of an increased risk of fraud associated with the subset of transaction tags; and

sharing the risk data packet with other network service devices.

12 . The computer-implemented method of claim 11 , further comprising:

determining, for each of the first plurality of transaction tags, the tag-generation timestamp,

wherein the first plurality of transaction tags are associated with a plurality of customer computing devices and generated by a first server computing device, and wherein the tag-generation timestamp is indicative of a time of creation for each of the first plurality of transaction tags.

13 . The computer-implemented method of claim 12 , wherein the tag-generation timestamp is associated with a clock of the first server computing device.

14 . The computer-implemented method of claim 11 , wherein the first plurality of transaction tags are generated during the online transaction.

15 . The computer-implemented method of claim 11 , wherein the first plurality of transaction tags comprise a first transaction tag and a second transaction tag, and wherein the first transaction tag and the second transaction tag are generated at various points during the online transaction.

16 . The computer-implemented method of claim 11 , wherein one of the first plurality of transaction tags comprises at least one of following customer personal information: name, address, billing/shipping information, phone number, driver license number, email address, or credit card number.

17 . The computer-implemented method of claim 11 , wherein one of the first plurality of transaction tags comprises at least one of following non-personal information: IP address or browser ID, device settings, delta-of-time parameter, or timestamp format.

18 . The computer-implemented method of claim 11 , further comprising:

determining that a number of transaction tags in the subset of transaction tags is greater than a threshold predetermined number.

19 . The computer-implemented method of claim 18 , further comprising:

associating the increased risk of fraud with the subset of transaction tags based at least in part on determining that the number of transaction tags in the subset of transaction tags is greater than the threshold predetermined number,

wherein the risk data packet comprises encrypted identifying information associated with the subset of transaction tags within the first plurality of transaction tags.

20 . A non-transitory computer storage medium storing computer-executable instructions that, when executed by a processor, cause the processor to perform following steps:

automatically analyzing a tag-generation timestamp of each of a first plurality of transaction tags by initiating a fraud detection protocol to determine a subset of transaction tags within the first plurality of transaction tags, wherein each of the subset of transaction tags has a corresponding tag-generation timestamp that falls within a predetermined time interval of the initiating of the fraud detection protocol;

generating a risk data packet configured for transmission to at least a first network service device, the risk data packet comprising an electronic indication of an increased risk of fraud associated with the subset of transaction tags; and

sharing the risk data packet with other network service devices.

Assignments (1)

Continuity (7)

References Cited (400)