Systems, methods, and devices for assigning a transaction risk score

A method for generating a transaction risk score, comprising:

• receiving, by a transaction scoring service computer program and from a merchant backend, an identification of an electronic device executing an application or a browser and accessing a merchant URL;
• retrieving, by the transaction scoring service computer program, a plurality of transactions involving the electronic device;
• generating, by the transaction scoring service computer program, a risk score for the electronic device based on the plurality of transactions;
• generating, by the transaction scoring service computer program, a warning in response to the risk score exceeding a predetermined threshold;
• and
• communicating, by the transaction scoring service computer program, the warning to the merchant backend.

A method for generating a transaction risk score, comprising:

• receiving, by a transaction scoring service computer program and from a merchant backend, transaction risk configuration data that identifies risky transactions for transactions conducted at the merchant backend;
• receiving, by the transaction scoring service computer program and from the merchant backend, transaction information comprising electronic device transaction information for an electronic device conducting a transaction at a merchant URL and/or customer information a customer conducting the transaction at the merchant URL;
• retrieving, by the transaction scoring service computer program, a customer profile associated with the electronic device and/or the customer information;
• generating, by the transaction scoring service computer program, a transaction risk for the electronic device based on the customer profile and the customer profile;
• determining, by the transaction scoring service computer program and based on a comparison of the transaction risk and the transaction risk configuration data, that the transaction is a risky transaction;
• generating, by the transaction scoring service computer program, a warning for the risky transaction;
• and
• communicating, by the transaction scoring service computer program, the warning to the merchant backend.