SYSTEMS AND METHODS FOR DETECTING AND PREVENTING FRAUD IN FINANCIAL INSTITUTION ACCOUNTS

Embodiments of the disclosure relate to systems and methods of detecting and preventing fraud in financial institution accounts. In various embodiments, data associated with tradelines may be received from credit reporting bureaus. The data may be used to generate a graph that represents a community...

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Bibliographische Detailangaben
Hauptverfasser:	MOTAHARIAN, HOUMAN, GUPTA, MENISH
Format:	Patent
Sprache:	eng
Schlagworte:	CALCULATING COMPUTER SYSTEMS BASED ON SPECIFIC COMPUTATIONAL MODELS COMPUTING COUNTING DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES HANDLING RECORD CARRIERS PHYSICS PRESENTATION OF DATA RECOGNITION OF DATA RECORD CARRIERS SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR
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Beschreibung
Zusammenfassung:	Embodiments of the disclosure relate to systems and methods of detecting and preventing fraud in financial institution accounts. In various embodiments, data associated with tradelines may be received from credit reporting bureaus. The data may be used to generate a graph that represents a community of shared tradelines based on matches between attributes associated with tradelines such as account numbers or account type. A set of machine learning models can be trained using a training dataset to provide a set of rules that is optimized for evaluating the graph to detect synthetic identities. The set of rules can be evaluated against one or more nodes in the graph to determine whether an identity represented by each respective node in the graph is a synthetic identity.