Real-time detection and prevention of online new-account creation fraud and abuse
US12363141B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Apr 19, 2022 |
| Grant date | Jul 15, 2025 |
| Priority date | — |
| Expiry date | Sep 12, 2042 |
Classification
- Technology area (CPC H)Electricity
- CPC primaryH04L51/48
- WIPO fieldDigital communication
- WIPO sectorElectrical engineering
Abstract
A method, apparatus and computer program product for real-time new account fraud detection and prevention. The technique leverages machine learning. In this approach, first and second computational branches of a machine learning model are trained jointly on a corpus of emails. Following training, an arbitrary email is received. The arbitrary email is then applied through the computational branches of the machine learning model. The first branch has an attention layer, and the second branch has a convolutional layer. The outputs of the branches are aggregated into an output that is then applied through another self-attention layer to generate a score. Based on the score, the arbitrary email is characterized. If the email is characterized as fraudulent, a mitigation action is taken.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.