1. A method, comprising: receiving, by a first server device and via a network, transaction information associated with an online transaction between a user device and a merchant device, the first server device being different from the user device and the merchant device; establishing, by the first server device and via the network, a communication with the user device based on a network connection of the user device being redirected from the merchant device to the first server device; providing, by the first server device and via the network, embedded code to the user device temporarily based on receiving the transaction information and based on establishing the communication with the user device; receiving, by the first server device, from the user device via the network, and based on execution of the embedded code in the user device: an encrypted first location information identifying a geographic location at which the user device is located, and an encrypted identifier of the user device; the embedded code being removed from the user device after the encrypted first location information and the encrypted identifier are received; receiving, by the first server device, an encryption key from the user device; decrypting, by the first server device and based on receiving the encryption key, the encrypted first location information and the encrypted identifier to create a decrypted first location information and decrypted identifier; calculating, by the first server device, a location suspicion score for the online transaction based on comparing the decrypted first location information with second location information, the second location information identifying one or more previous geographic locations associated with the user device or a credit card of a user associated with the user device, and the location suspicion score relating to a degree to which the online transaction corresponds to a fraudulent online transaction based on the decrypted first location information; determining, by the first server device, whether the decrypted identifier matches a previously utilized identifier of a previously utilized user device that was previously utilized by the user to perform online transactions; calculating, by the first server device, an identifier suspicion score for the online transaction based on determining whether the decrypted identifier matches the previously utilized identifier, the identifier suspicion score relating to another degree to which the online transaction corresponds to the fraudulent online transaction based on the decrypted identifier; calculating, by the first server device, an overall suspicion score based on the location suspicion score and the identifier suspicion score; providing, by the first server device and via the network, the overall suspicion score to a second server device; receiving, by the first server device and from the second server device via the network, an authorization decision for the online transaction based on the transaction information and the overall suspicion score; and forwarding, by the first server device and via the network, the authorization decision to the merchant device to permit the merchant device to approve or deny the online transaction.