System and method for efficient detection of fraud in online transactions

A computer-implemented method for detecting fraud in an online commerce system, comprising:

• collecting a plurality of usage characteristics associated with a plurality of user actions conducted on the online commerce system via a user account;
• generating and storing a first fraud detection score based at least in part on the plurality of usage attributes;
• during a second user action conducted via the user account, retrieving the first fraud detection score, and generating a second fraud detection score based at least in part on the first fraud detection score;
• and
• determining if a transaction associated with the user account is fraudulent based at least in part on the second fraud detection score.

A computer program product comprising a computer-readable memory device having computer program logic recorded thereon that when executed by at least one processor of a computing device causes the at least one processor to perform operations, the operations comprising:

• collecting user transaction data associated with a plurality of user actions conducted via a user account;
• generating and storing a first fraud risk score based at least in part on the user transaction data;
• during a second user action conducted via the user account, retrieving the first fraud risk score, and generating a second fraud risk score based at least in part on the first fraud risk score;
• and
• determining if an action associated with the user account is abusive based at least in part on the second fraud risk score.