Multi-page online application origination (OAO) service for fraud prevention systems

A fraud prevention system for determining a fraudulent actor, the system comprising:

• a fraud prevention server including an electronic processor and a memory, the memory including an online application origination (OAO) service,
• wherein the OAO service is instructions that, when executed by the electronic processor, causes the electronic processor to perform a set of operations including
• determining whether a first website configuration of a first online application has a multi-webpage flow;
• responsive to determining that the first website configuration of the first online application does not have the multi-webpage flow, the set of operations further includes
• calculating first input data on a single webpage of the first online application;
• storing the first input data in the memory;
• determining a first fraud risk score of the first online application based on the first input data and a first online application origination (OAO) model differentiating between a behavior of a first normal user and a behavior of a first actor during a submission of the first online application on a first device;
• determining whether a second website configuration of a second online application has the multi-webpage flow;
• responsive to determining that the second website configuration of the second online application has the multi-webpage flow, the set of operations further includes
• calculating second input data on each webpage of a plurality of webpages of the second online application;
• storing the second input data in the memory;
• combining all of the second input data associated with a single session of the multi-webpage flow into multi-webpage input data;
• storing the multi-webpage input data in the memory;
• determining a second fraud risk score of the second online application based on the multi-webpage input data and a second online application origination (OAO) model differentiating between a behavior of a second normal user and a behavior of a second actor during a submission of the second online application on a second device;
• and
• generating an approval signal, a hold signal, or a denial signal for the first online application or the second online application, based on the first fraud risk score or the second fraud risk score, respectively;
• and
• transmitting the approval signal, the hold signal, or the denial signal for the first online application or the second online application to a client server.