Systems and methods for dynamically detecting and preventing consumer fraud

A method of detecting fraud, comprising:

• receiving, by an application stored in a non-transitory memory and executable by a processor, a request from a requesting party to at least one of view a merchant website and engage in a transaction using a stored-value card, wherein the non-transitory memory is in communication with at least one data store, wherein a plurality of profiles are stored on the at least one data store;
• determining, based upon an analysis of a profile of the plurality of profiles if the requesting party on a banned access list;
• based upon a determination that the requesting party is not on the banned access list, processing the request, wherein processing the request comprising at least one allowing website view and engaging in the requested transaction, and at least one of
• presenting the first party with at least one benefit of the plurality of benefits, wherein the plurality of benefits comprises:
• providing a discount, providing a reward, accepting a previously provided reward, providing loyalty options, providing fast pay, accepting ACH transfer, value exchange, money transfer, spend value, providing or enabling access to an e-wallet, providing access to purchase high risk products, providing express access to sites and services with reduced security checks, and upgrading services accessible by the first party, wherein upgrading services comprises at least one of decreasing shipping time, decreasing request processing time, raising a shopping limit associated with the first party, raising a shopping limit associated with the stored-value card;
• and
• at least one of updating the banned access list and updating the profile based upon the request.

A system for detecting fraud, comprising:

• a non-transitory memory;
• a processor;
• and at least one application executable by the processor, wherein the at least one application is in communication with a data store, wherein the at least one application:
• receives a request to use a stored-value card, wherein the request is associated with at least one artifact;
• determines whether the at least one artifact is on a banned artifacts list,
• determines, in response to a determination that at least one of the at least one artifact is on a banned artifacts list or that a risk score associated with the at least one artifact is at or above a risk threshold, that request is not associated with the stored-value card;
• in response to the determination, at least one of
• disables the stored-value card;
• reverses a transaction made with stored-value card;
• holds a value associated with the stored-value card;
• provides an appearance of a processed transaction with the stored-value card;
• and
• decreases accessibility or options at the site;
• and
• updates at least one of a profile associated with the artifact and the banned artifacts list based upon the request and the determination that the artifact is not associated with the stored-value card.