System, method, and computer program product for detecting and preventing “friendly fraud”

A system, comprising:

• at least one processor of a computing device, wherein the at least one processor is programmed or configured to:
• provide, via a browser plug in of a web browser of the computing device, a message associated with a transaction between a user and a merchant, wherein the message comprises an unfamiliar merchant name associated with the merchant, and wherein the unfamiliar merchant name is a name corresponding to a payment gateway associated with at least one potential familiar merchant name;
• determine, via the browser plug in of the web browser, the at least one potential familiar merchant name based on the unfamiliar merchant name associated with the online transaction between the user and the merchant;
• scan, via the browser plug in of the web browser, a browser history of the web browser for a predetermined payment pattern that includes the at least one potential familiar merchant name in response to determining the at least one potential familiar merchant name, wherein the browser history of the web browser comprises browser data of the user, and wherein, when scanning the browser history of the web browser for the predetermined payment pattern that includes the at least one potential familiar merchant name, the at least one processor is programmed or configured to:
• scan, via the browser plug in, the browser data of the browser history for the predetermined payment pattern that includes the at least one potential familiar merchant name based on the user device granting permission to the browser plug in to scan the browser data;
• identify, via the browser plug in, the predetermined payment pattern in the browser data of the browser history;
• and
• identify, via the browser plug in, a uniform resource location (URL) associated with the payment gateway in the browser data;
• and
• provide, via the browser plug in of the web browser, the at least one potential familiar merchant name in response to determining that the user visited a website associated with the at least one potential familiar merchant name.

A computer program product, the computer program product comprising at least one non-transitory computer-readable medium including one or more instructions that, when executed by at least one processor, cause the at least one processor to:

• provide, via a browser plug in of a web browser of the computing device, a message associated with at least one online transaction between a user and a merchant, wherein the message comprises an unfamiliar merchant name associated with the merchant, and wherein the unfamiliar merchant name is a name corresponding to a payment gateway associated with at least one potential familiar merchant name;
• determine, via the browser plug in of the web browser, at least one potential familiar merchant name based on the unfamiliar merchant name associated with the online transaction between the user and the merchant;
• scan, via the browser plug in of the web browser, a browser history of the web browser for a predetermined payment pattern that includes the at least one potential familiar merchant name in response to determining the at least one potential familiar merchant name, wherein the browser history of the web browser comprises browser data of the user, and wherein, when scanning the browser history of the web browser for the predetermined payment pattern that includes the at least one potential familiar merchant name, the at least one processor is programmed or configured to:
• scan, via the browser plug in, the browser data of the browser history for the predetermined payment pattern that includes the at least one potential familiar merchant name based on the user device granting permission to the browser plug in to scan the browser data;
• identify, via the browser plug in, the predetermined payment pattern in the browser data of the browser history;
• and
• identify, via the browser plug in, a uniform resource location (URL) associated with the payment gateway in the browser data;
• and
• provide the at least one potential familiar merchant name in response to determining that the user visited a website associated with the at least one potential familiar merchant name.