Synthetic identity signal network

Patent metadata

Field	Value
Publication number	US-12355813-B2
Application number	US-202318369518-A
Country	US
Kind code	B2
Filing date	Sep 18, 2023
Priority date	Dec 10, 2018
Publication date	Jul 8, 2025
Grant date	Jul 8, 2025

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.

First claim

What is claimed is:

1. 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;
flagging, based on the response, the first and second user identity as synthetic identities; and
generating a second notice comprising the flags first and second user identity and transmitting to the second notice to the one or more third party servers.

2. The method of claim 1 , wherein the third-party servers are financial servers.

3. The method of claim 1 , further comprising:
receiving a first request for credit, the first request comprising one or more user attributes;
comparing, by the user identity server, the one or more user attributes to the plurality of stored user attributes; and
in response to the comparison, flagging matched attributes of one or more user attributes as potentially synthetic attributes.

4. The method of claim 3 , further comprising:
generating a notice comprising the one or more user attributes; and
transmitting the notice to the one or more third-party servers.

5. The method of claim 3 , wherein receiving the first request for credit comprises receiving the first request for credit from one of the one or more third-party servers.

6. The method of claim 1 , further comprising:
analyzing historical information associated with the potentially synthetic identity, wherein the historical information comprises changes to the potentially synthetic identity over time; and
flagging the potentially synthetic identity as a synthetic identity.

7. The method of claim 1 , further comprising:
analyzing historical information associated with the potentially synthetic identity, wherein the historical information comprises changes to the potentially synthetic identity over time; and
flagging the potentially synthetic identity as an authentic identity.

8. The method of claim 1 , further comprising:
receiving a plurality of third user attributes associated with a third user identity;
comparing, by the user identity server, the plurality of third user attributes to the plurality of stored user attributes;
in response to the comparison, flagging the third user identity as an existing user; and
updating at least one of the plurality of stored user attributes associated with the existing user.

9. The method of claim 1 , further comprising:
receiving a plurality of third user attributes associated with a third user identity;
comparing, by the user identity server, the plurality of third user attributes to the plurality of stored user attributes;
in response to the comparison, flagging the third user identity as a new user; and
generating the new user comprising the plurality of third user attributes in the plurality of stored user attributes.

10. 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;
flagging, based on the response, the first and second user identity as synthetic identities; and
generating a second notice comprising the flags first and second user identity and transmitting to the second notice to the one or more third party servers.

11. The system of claim 10 , wherein the third-party servers are financial servers.

12. The system of claim 10 , wherein the processing further comprises:
receiving a first request for credit, the first request comprising one or more user attributes;
comparing, by the user identity server, the one or more user attributes to the plurality of stored user attributes; and
in response to the comparison, flagging matched attributes of one or more user attributes as potentially synthetic attributes.

13. The system of claim 12 , wherein the processing further comprises:
generating a notice comprising the one or more user attributes; and
transmitting the notice to the one or more third-party servers.

14. The system of claim 12 , wherein the processing for receiving the first request for credit comprises receiving the first request for credit from one of the one or more third-party servers.

15. The system of claim 10 , wherein the processing further comprises:
analyzing historical information associated with the potentially synthetic identity, wherein the historical information comprises changes to the potentially synthetic identity over time; and
flagging the potentially synthetic identity as a synthetic identity.

16. The system of claim 10 , wherein the processing further comprises:
analyzing historical information associated with the potentially synthetic identity, wherein the historical information comprises changes to the potentially synthetic identity over time; and
flagging the potentially synthetic identity as an authentic identity.

17. The system of claim 10 , wherein the processing further comprises:
receiving a plurality of third user attributes associated with a third user identity;
comparing, by the user identity server, the plurality of third user attributes to the plurality of stored user attributes;
in response to the comparison, flagging the third user identity as an existing user; and
updating at least one of the plurality of stored user attributes associated with the existing user.

18. The system of claim 10 , wherein the processing further comprises:
receiving a plurality of third user attributes associated with a third user identity;
comparing, by the user identity server, the plurality of third user attributes to the plurality of stored user attributes;
in response to the comparison, flagging the third user identity as a new user; and
generating the new user comprising the plurality of third user attributes in the plurality of stored user attributes.

19. A system for detecting synthetic identities comprising:
a processor; and
a non-transitory memory storing instructions that, when executed by the processor, cause the process

Assignees

• Capital One Services Llc

Inventors

• Fox Ryan

Classifications

• G06Q40/03

  Credit; Loans; Processing thereof · CPC title

• H04L67/306

  User profiles · CPC title

• H04L67/535

  Tracking the activity of the user (network monitoring arrangements H04L43/00; recording of computer activity G06F11/34) · CPC title

• H04L63/1483 Primary

  service impersonation, e.g. phishing, pharming or web spoofing (detection of rogue wireless access points H04W12/12) · CPC title