초록 ▼

The invention provides systems and methods for risk assessment using a variable risk engine. A method for risk assessment may comprise setting an amount of real-time risk analysis for an online transaction, performing the amount of real-time risk analysis based on the set amount, and performing an a

The invention provides systems and methods for risk assessment using a variable risk engine. A method for risk assessment may comprise setting an amount of real-time risk analysis for an online transaction, performing the amount of real-time risk analysis based on the set amount, and performing an amount of time-delayed risk analysis. In some embodiments, the amount of real-time risk analysis may depend on a predetermined period of time for completion of the real-time risk analysis. In other embodiments, the amount of real-time risk analysis may depend on selected tests to be completed during the real-time risk analysis.

대표청구항 ▼

1. A computerized method for performing variable risk assessment for an online transaction, the computerized method comprising: accessing electronic information associated with an online transaction while the online transaction is in progress;identifying one or more characteristics of the online tra

1. A computerized method for performing variable risk assessment for an online transaction, the computerized method comprising: accessing electronic information associated with an online transaction while the online transaction is in progress;identifying one or more characteristics of the online transaction based at least in part on the electronic information;selecting a set of tests for a real-time risk analysis based at least in part on the one or more characteristics of the online transaction;performing the set of tests while the online transaction is in progress until an event condition is met;determining a subset of tests of the set of tests which is not completed before the event condition is met;continuing to perform the subset of tests as a time-delayed risk analysis, the time-delayed risk analysis is completed after the online transaction ends;selecting a second set of tests for the time-delayed analysis;performing at least a portion of the second set of tests in parallel with the subset of tests; andassessing an overall risk of fraud for the online transaction based at least in part on results of the set of tests including results of the real-time risk analysis before the event condition is met and results of the time-delayed risk analysis. 2. The computerized method of claim 1, wherein the electronic information associated with the online transaction comprises device information of a device involved in the online transaction. 3. The computerized method of claim 2, wherein the device information comprises an IP address of the device. 4. The computerized method of claim 1, wherein the one or more characteristics of the online transaction comprises at least one of: a type of the online transaction, a history associated with the online transaction, an importance of the online transaction, or an amount of time of the online transaction. 5. The computerized method of claim 1, wherein the event condition is based on at least one of: the one or more characteristics of the online transaction, an action taken by a user of a device involved in the online transaction, or a decision event that occurred during the online transaction. 6. The computerized method of claim 5, wherein the decision event is based on an approval or a decline of the online transaction. 7. The computerized method of claim 1, wherein the event condition comprises a time limit for performing the real-time risk analysis or a predefined time stop. 8. The computerized method of claim 1, further comprising: determining a preliminary risk of fraud based on the results of the real-time risk analysis before the event condition is met; anddetermining, prior to the time-delayed analysis, whether to approve the online transaction based at least partly on the preliminary risk of fraud. 9. The computerized method of claim 1, further comprising: prioritizing one or more test of the set of tests for the real-time risk analysis. 10. A system for variable risk assessment, the system comprising: an institution server; anda device in communication with the institution server,wherein the institution server is configured to perform, with aid of a computer processor, a risk analysis of an online transaction with the device, andwherein the institution server: accesses electronic information associated with the online transaction while the online transaction is in progress;identifies one or more characteristics of the online transaction based at least in part on the electronic information;selects a set of tests for a real-time risk analysis based at least in part on the one or more characteristics of the online transaction;performs the set of tests while the online transaction is in progress until an event condition is met;determines a subset of tests of the set of tests which is not completed before the event condition is met;continues to perform the subset of tests as a time-delayed risk analysis, the time-delayed risk analysis is completed after the online transaction ends;selects a second set of tests for the time-delayed analysis;performs at least a portion of the second set of tests in parallel with the subset of tests; andassesses an overall risk of fraud for the online transaction based at least in part on results of the set of tests including results of the real-time risk analysis before the event condition is met and results of the time-delayed risk analysis. 11. The system of claim 10, wherein the electronic information associated with the online transaction comprises device information from a device involved in the online transaction. 12. The system of claim 11, wherein the device information comprises an IP address of the device. 13. The system of claim 10, wherein the one or more characteristics of the online transaction comprises at least one of: a type of an institution associated with the institution server, a type of the online transaction, a history of the online transaction, an importance of the online transaction, or an amount of time of the online transaction. 14. The system of claim 10, wherein the event condition is based on at least one of: the one or more characteristics of the online transaction, an action taken by a user of a device involved in the online transaction, or a decision event that occurred during the online transaction. 15. The system of claim 14, wherein the decision event is based on an approval or a decline of the online transaction. 16. The system of claim 10, wherein the event condition comprises a time limit for performing the real-time risk analysis or a predefined stop time. 17. The system of claim 10, wherein the institution server further: determines a preliminary risk of fraud based on the results of the real-time risk analysis before the event condition is met; anddetermines, prior to the time-delayed analysis, whether to approve the online transaction based at least partly on the preliminary risk of fraud. 18. The system of claim 10, wherein the institution server further: prioritizes one or more test of the set of tests for the real-time risk analysis.