Patent ID: 11869006
Assignee: MASTERCARD INTERNATIONAL INCORPORATED
Field: IT methods for management (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 6:
7. A system for use in identifying synthetic identities associated with network requests, the system comprising:
a memory including attributes for multiple identities, each of the multiple identities relating to a fraudulent identity or an identity suspected of being fraudulent based on termination and/or prior inquiries related to the identities; and
an identity network computing device in communication with the memory, the identity network computing device configured to:
receive a request from a relying party to assess an identity of an asserting party in response to a network request by the asserting party to the relying party for one or more products and/or services provided by the relying party, the request including identity attributes of the identity of the asserting party;
determine one or more attribute commonalities between the identity attributes of the identity of the asserting party and the attributes for the multiple identities included in the memory, the determined attribute commonalities including links between the identity attributes of the identity of the asserting party and the attributes for the multiple identities included in the memory;
search a deep web for the determined one or more attribute commonalities;
identify a number of said links between the identity attributes of the identity of the asserting party and the attributes for the multiple identities included in the memory;
assign a first value for each of the said links associated with the multiple identities being fraudulent or suspicious based on termination;
assign a second value for each of the said links associated with the multiple identities being fraudulent or suspicious based on prior inquiries;
aggregate the first value for each of the said links associated with the multiple identities being fraudulent or suspicious based on termination and the second value for each of the said links associated with the multiple identities being fraudulent or suspicious based on prior inquiries into an aggregated value;
compare the number of said links between the identity attributes of the identity of the asserting party and the attributes for the multiple identities included in the memory to a first threshold;
compare the aggregated value to a second threshold;
in response to the number of said links exceeding the first threshold or the aggregated value exceeding the second threshold, determine the identity of the asserting party to be a synthetic identity;
compile an assessment for the identity of the asserting party based on the determined one or more attribute commonalities, the compiled assessment including i) at least the number of said links or the aggregated value, ii) an indicator in response to at least one of said one or more attribute commonalities being found on the deep web, and iii) the determination of the synthetic identity for the asserting party; and
transmit the assessment to the relying party, whereby the relying party determines, based on the assessment, whether or not to further interact with the asserting party in connection with the network request.