Modular System for Affirming Digital User Identity and Fraud Risk

A computer-implemented method for detecting potentially fraudulent activity occurring over a networked computer system, the method comprising:

• a) providing a plurality of data objects, wherein a given data object of the plurality of data objects includes condition fields representing a plurality of conditions associated with the given data object;
• b) acquiring first data, from a plurality of online service provider systems;
• c) storing the first data within at least some data objects of the plurality of data objects, wherein the first data includes data relating to a plurality of interactions of a user with the plurality of online service provider systems;
• d) acquiring second data, from the plurality of online service provider systems;
• e) storing the second data within at least some data objects of the plurality of data objects, wherein the second data includes data relating to a second plurality of interactions of a plurality of other users other than the user;
• f) generating at least three profiles selected from a behavioral profile, an activity profile, a device profile, a network profile, a geographical profile, and an identity profile of the user based on the first data or the second data, stored as a generated user identity graph;
• g) receiving, from a client system, an application programming interface (API) request, wherein the API request includes information about the user and a new user interaction record associated with an interaction attempt of the user;
• h) identifying matches between (1) the generated user identity graph and/or the information about the user from the API request and (2) the condition fields;
• i) adding match fields to the given data object based on the matches identified to form a populated data object, wherein at least one match field includes data relating to the matches;
• j) based on a plurality of populated data objects comprising the populated data object, determining (1) at least one trust signal response, (2) at least one information signal response, (3) at least one risk signal response, and (4) an identity risk score;
• and
• k) generating an API response, for sending to the client system in response to the new user interaction record, wherein the API response comprises a first representation of the identity risk score and a second representation of at least one of (1) the at least one trust signal response, (2) the at least one information signal response, and/or (3) the at least one risk signal response.