Fraud detection system
AssigneeBlue Global, LLC
InventorsChris Kay, Abdu El-Shaarawy, Keith Linneman, Joel McKee Bowers, Zachary Travis Olroyd
Life of this patent
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Abstract
A system and method is disclosed for detecting fraudulent loan applications. The system is based upon multiple layers of detection in which anomalies are detected by analyzing the loan data and the borrower browser configuration for anomalies indicative of fraud. A plurality of fraud detection layers are used which when taken together provide a synergistic approach to detecting fraudulent data.
Claims11
A method of detecting fraudulent loan applications filed on line at a lender's website, the method comprising the steps of:
- (a) determining the configuration of the borrower's web browser logged into the lender's website;
- and
- (b) determining if there are anomalies in the identification of the borrower's web browser configuration;
- (c) determining if there are anomalies in the data in the loan application;
- and
- (d) flagging the application as fraudulent if any anomalies are detected.
A system for detecting fraudulent loan applications filed on line at a lender's website, the system configured to:
- (a) determine the configuration of the borrower's web browser logged into the lender's website;
- and
- (b) determine if there are anomalies in the identification of the borrower's web browser configuration;
- (c) determine if there are anomalies in the data in the loan application;
- and
- (d) flag the application as fraudulent if any anomalies are detected.
Dependencies are inferred from the claim text.