Systems and methods for accessing records via derivative locators

A system for providing a fraud indication, the system comprising:

• a fraud detection server configured to establish a connection with a plurality of network servers over a network, the plurality of network servers comprising a transaction processing computing server and a remote financial server;
• 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:
• receive, by a computer processor associated with a fraud detection server, first transaction information associated with a first transaction;
• determine, by the computer processor, a first derivative locator based at least in part on the first transaction information, wherein the first derivative locator encodes at least a portion of the first transaction information;
• link, by the computer processor, a first transaction record with the first derivative locator;
• access, from one or more databases associated with the fraud detection server, transaction records, wherein each transaction record is linked to at least one derivative locator of a plurality of derivative locators;
• based at least on a comparison of the first derivative locator with the plurality of derivative locators, determine, by the computer processor, that the plurality of derivative locators includes the first derivative locator;
• in response to the determination that the plurality of derivative locators includes the first derivative locator, accessing, from the one or more databases, electronic records corresponding to the first derivative locator, wherein the electronic records comprise a reputation score that is generated using aggregated device information or aggregated user information, and wherein the reputation score indicates a likelihood that the first derivative locator is associated with a fraudulent transaction;
• and
• transmit, by the computer processor and to a remote financial server, the first transaction record and the reputation score.

A non-transitory computer storage having stored thereon a computer program, the computer program comprising executable instructions that instruct a computer processor of a fraud detection server to at least:

• receive, by a computer processor associated with a fraud detection server, first transaction information associated with a first transaction;
• determine, by the computer processor, a first derivative locator based at least in part on the first transaction information, wherein the first derivative locator encodes at least a portion of the first transaction information;
• link, by the computer processor, a first transaction record with the first derivative locator;
• access, from one or more databases associated with the fraud detection server, transaction records, wherein each transaction record is linked to at least one derivative locator of a plurality of derivative locators;
• based at least on a comparison of the first derivative locator with the plurality of derivative locators, determine, by the computer processor, that the plurality of derivative locators includes the first derivative locator;
• in response to the determination that the plurality of derivative locators includes the first derivative locator, accessing, from the one or more databases, electronic records corresponding to the first derivative locator, wherein the electronic records comprise a reputation score that is generated using aggregated device information or aggregated user information, and wherein the reputation score indicates a likelihood that the first derivative locator is associated with a fraudulent transaction;
• and
• transmit, by the computer processor and to a remote financial server, the first transaction record and the reputation score.