Synthetic identity signal network
AssigneeCapital One Services, LLC
InventorRyan FOX
Life of this patent
Estimating the term…
Abstract
A synthetic identity network for detecting synthetic identities may receive a first request for credit including one or more user attributes, compare the one or more user attributes to one or more stored user identities, create a new user identity, flag the new user identity as a potentially synthetic identity based on comparing the one or more user attributes to the one or more stored user identities, receive a second request for credit including or more second user attributes, compare the one or more second user attributes to the one or more user attributes associated with the potentially synthetic identity, prepare a notice including the potentially synthetic identity and a credit request identifier, and transmit the notice to one or more servers.
Claims21
1-20. (canceled)
A method for detecting synthetic identities comprising:
- storing a plurality of stored user attributes associated with one or more stored user identities in an identity database;
- receiving a plurality of first user attributes associated with a first user identity;
- comparing, by a user identity server, the plurality of first user attributes to the plurality of stored user attributes;
- in response to the comparison, flagging matched attributes of the plurality of first user attributes as potentially synthetic attributes;
- generating a notice comprising the potentially synthetic attributes;
- transmitting the notice to one or more third-party servers;
- receiving a response from at least one of the one or more third-party servers, the response comprising a synthetic identifier indicating at least one of the potentially synthetic attributes is associated with a second user identity;
- and
- flagging the first and second user identity as synthetic identities.
A system for detecting synthetic identities comprising:
- a processor;
- and
- a non-transitory memory storing instructions that, when executed by the processor, cause the processor to perform processing comprising:
- storing a plurality of stored user attributes associated with one or more stored user identities in an identity database;
- receiving a plurality of first user attributes associated with a first user identity;
- comparing, by a user identity server, the plurality of first user attributes to the plurality of stored user attributes;
- in response to the comparison, flagging matched attributes of the plurality of first user attributes as potentially synthetic attributes;
- generating a notice comprising the potentially synthetic attributes;
- transmitting the notice to one or more third-party servers;
- receiving a response from at least one of the one or more third-party servers, the response comprising a synthetic identifier indicating at least one of the potentially synthetic attributes is associated with a second user identity;
- and
- flagging the first and second user identity as synthetic identities.
A system for detecting synthetic identities comprising:
- a processor;
- and
- a non-transitory memory storing instructions that, when executed by the processor, cause the processor to perform processing comprising:
- storing a plurality of stored user attributes associated with one or more stored user identities in an identity database;
- receiving a request for credit comprising a plurality of first user attributes associated with a first user identity;
- comparing, by a user identity server, the plurality of first user attributes to the plurality of stored user attributes;
- in response to the comparison, flagging matched attributes of the plurality of first user attributes as potentially synthetic attributes;
- generating a notice comprising the potentially synthetic attributes;
- transmitting the notice to one or more third-party servers;
- receiving a response from at least one of the one or more third-party servers, the response comprising a synthetic identifier indicating at least one of the potentially synthetic attributes is associated with a second user identity;
- a
- flagging the first user identity as a synthetic identity.
Dependencies are inferred from the claim text.