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

Claim 0:
1. A computer-implemented method for use in identifying synthetic identities associated with network requests, the method comprising:
receiving, at a computing device, a request from a relying party to assess an identity of an asserting party in connection with an interaction between the asserting party and the relying party, the request including identity data for the identity of the asserting party;
determining, by the computing device, one or more attribute commonalities between the identity data of the asserting party and data for multiple identities included in a data structure, the multiple identities in the data structure including one or more: fraudulent identities or suspicious identities, based on termination and/or prior inquiries related to the identities;
searching a deep web for the determined one or more attribute commonalities;
identifying a number of the determined one or more attribute commonalities;
assigning a first value for each of the determined one or more attribute commonalities associated with the multiple identities being fraudulent or suspicious based on termination;
assigning a second value for each of the determined one or more attribute commonalities associated with the multiple identities being fraudulent or suspicious based on prior inquiries;
aggregating the first value for each of the determined one or more attribute commonalities and the second value for each of the determined one or more attribute commonalities into an aggregated value;
comparing the number of the determined one or more attribute commonalities to a first threshold;
comparing the aggregated value for the determined one or more attribute commonalities to a second threshold;
in response to the number of the determined one or more attribute commonalities exceeding the first threshold or the aggregated value for the determined one or more attribute commonalities exceeding the second threshold, determining the identity of the asserting party to be a synthetic identity;
compiling an assessment based on the determined one or more attribute commonalities, the compiled assessment including i) at least the number of the determined one or more attribute commonalities or the aggregated value for the determined one or more attribute commonalities, 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
transmitting, by the computing device, 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.