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US11308496B2 Патенты

( 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 sc

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