# US 12,002,053 B2 · Systems and methods for accessing records via derivative locators > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 12,002,053 B2 - Document ID: US12002053B2 - Status: Granted - Kind: B2 - Application number: 17/654,353 - Filed: 2022-03-10 - Published: 2022-08-25 - Granted: 2024-06-04 - Earliest claimed: 2012-08-02 - Assignees: The 41st Parameter, Inc. - Applicants: The 41st Parameter, Inc. - Inventors: Ori Eisen - Web page: https://patentgrep.com/patent/US12002053B2 ## CPC - G06Q 20/4016: {involving fraud or risk level assessment in transaction processing} - G06F 16/2322: {using timestamps} - G06F 16/245: Query processing - G06Q 40/02: Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03) - G06Q 40/10: Tax strategies - G06Q 40/12: Accounting - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR - G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N) ## Abstract Systems and methods are provided for accessing records using derivative locators. An open financial transaction may be initiated by a consumer at a merchant. The merchant may provide information relating to the transaction, which may include information about the consumer's device, to a repository. The merchant may provide transaction information to the acquiring bank, which may provide transaction to the global financial network, which may provide transaction information to an issuing bank. One or more requesting party (e.g., one or more of the acquiring bank, global financial network, or issuing bank) may formulate a derivative locator based on the transaction information received. The derivative locator may function as an index through which records in the repository may be accessed by the requesting party. A time comparison may be made in assisting with accessing the correct record in the repository. The requesting party may determine whether to accept or decline the transaction, optionally with the aid of the information accessed from the repository. ## Claims ### Claim 1 A method of providing a fraud indication, the method comprising: receiving, by a computer processor associated with a fraud detection server, first transaction information associated with a first transaction; determining, 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; linking, by the computer processor, a first transaction record with the first derivative locator; accessing, 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, determining, 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 transmitting, by the computer processor and to a remote financial server, the first transaction record and the reputation score. ### Claim 2 (depends on 1) The method of claim 1, wherein each derivative locator encodes at least a portion of transaction information associated with at least one of the transaction records. ### Claim 3 (depends on 1) The method of claim 1, wherein the reputation score further indicates a likelihood that the first derivative locator is associated with at least one of a fraudulent device or a fraudulent user. ### Claim 4 (depends on 1) The method of claim 1, wherein the first derivative locator is determined based on: a credit card number used in the first transaction, a transaction amount from the first transaction, or both. ### Claim 5 (depends on 1) The method of claim 1, further comprising: based at least in part on a comparison of the reputation score to a threshold score, generating and transmitting, by the computer processor and to a remote financial server, instructions configured to cancel the first transaction. ### Claim 6 (depends on 1) The method of claim 1, further comprising: based at least in part on a comparison of the reputation score to a threshold score, generating and transmitting, by the computer processor and to a remote financial server, instructions configured to perform a verification test. ### Claim 7 (depends on 1) The method of claim 1, wherein the first transaction is an online transaction. ### Claim 8 (depends on 1) The method of claim 1, wherein the aggregated device information or aggregated user information is aggregated from one or more financial institutions. ### Claim 9 (depends on 1) The method of claim 1, further comprising: providing at least some of the first transaction information to a repository; and updating the reputation score based on at least some of the first transaction information. ### Claim 10 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. ### Claim 11 (depends on 10) The system of claim 10, wherein the first derivative locator is determined based on: a credit card number used in the first transaction, a transaction amount from the first transaction, or both. ### Claim 12 (depends on 10) The system of claim 10, wherein the aggregated device information or aggregated user information is aggregated from one or more financial institutions. ### Claim 13 (depends on 10) The system of claim 10, wherein the computer processor is further configured to: based at least in part on a comparison of the reputation score to a threshold score, rate and transmit, by the computer processor and to a remote financial server, instructions configured to cancel the first transaction. ### Claim 14 (depends on 10) The system of claim 10, wherein the computer processor is further configured to: provide at least some of the first transaction information to a repository; and update the reputation score based on at least some of the first transaction information. ### Claim 15 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. ### Claim 16 (depends on 15) The non-transitory computer storage of claim 15, wherein the first derivative locator is determined based on: a credit card number used in the first transaction, a transaction amount from the first transaction, or both. ### Claim 17 (depends on 15) The non-transitory computer storage of claim 15, wherein the aggregated device information or aggregated user information is aggregated from one or more financial institutions. ### Claim 18 (depends on 15) The non-transitory computer storage of claim 15, wherein the computer processor is further configured to: based at least in part on a comparison of the reputation score to a threshold score, rate and transmit, by the computer processor and to a remote financial server, instructions configured to cancel the first transaction. ### Claim 19 (depends on 15) The non-transitory computer storage of claim 15, wherein the computer processor is further configured to: provide at least some of the first transaction information to a repository; and update the reputation score based on at least some of the first transaction information. ### Claim 20 (depends on 15) The non-transitory computer storage of claim 15, wherein the first transaction is an online transaction.