US11308496B2
patent
( 57 ) Related U.S. Application Data A user conducts activities , such as researching a product online or visiting a store that sells the product. A user then utilizes a risk analysis system to receive and store user activity data for the user's activities . When a purchase attempt is made with the user's financial account, a merchant sends a transaction request to the risk analysis system . The risk analysis system locates a record for the user and determines whether the product is identified in the user activity data. If the product is identified , the risk analysis system provides a risk score to the merchant indicating that the transaction is unlikely fraudulent. Alternatively, identi fication of the product provides a positive factor among multiple factors considered in a transaction risk analysis. An absence of the product in the activity can be used as a neutral or negative factor among multiple factors considered in a risk analysis of the transaction. 20 Claims , 4 Drawing Sheets
18 claims. 121,573 characters of text.