US 12,469,035 B2
Systems and methods for classifying accounts based on shared attributes with known fraudulent accounts
Chuanyun Fang, Shanghai (CN); Chunmao Ran, Shanghai (CN); Itzik Levi, Tel-Aviv (IL); Kun Fu, Shanghai (CN); Adam Cohen, Acre (IL); Avishay Meron, Holon (IL); Doron Hai-Reuven, Kfar-Saba (IL); and Amnon Jislin, Timrat (IL)
Assigned to PAYPAL, INC., San Jose, CA (US)
Filed by PAYPAL, INC., San Jose, CA (US)
Filed on Nov. 22, 2021, as Appl. No. 17/533,054.
Application 17/533,054 is a continuation of application No. 16/114,110, filed on Aug. 27, 2018, granted, now 11,182,795.
Prior Publication US 2022/0084037 A1, Mar. 17, 2022
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/40 (2012.01); H04L 67/306 (2022.01)
CPC G06Q 20/4016 (2013.01) [G06Q 20/4014 (2013.01); H04L 67/306 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A system, comprising:
a processor; and
a non-transitory computer-readable storage medium having stored thereon instructions that are executable to cause the system to perform operations comprising:
identifying, from a plurality of electronic accounts with an electronic transaction service provider, first and second electronic accounts classified as having a first specific account classification of a plurality of account classifications, wherein each of a plurality of computer devices, having a processor and a memory, is configured to perform electronic transactions through a corresponding electronic account from the plurality of electronic accounts with one or more other electronic accounts from the plurality of electronic accounts, and wherein performing an electronic transaction between two electronic accounts from the plurality of electronic accounts requires an authentication step for at least one of the two electronic accounts;
determining that a third electronic account with the electronic transaction service provider is linked to the first and second electronic accounts classified as having the first specific account classification, based on determining (i) that a first set of attributes corresponding to a first set of attribute types and associated with the third electronic account is shared with the first electronic account and (ii) that a second set of attributes corresponding to a second set of attribute types and associated with the third electronic account is shared with the second electronic account;
identifying one or more common attribute types that are included in both of the first set of attribute types and the second set of attribute types;
determining respective loss values corresponding to the one or more common attribute types; and
determining a risk level associated with the third electronic account using a machine learning model configured to output the risk level associated with the third electronic account using the respective loss values corresponding to the one or more common attribute types as input values, wherein the machine learning model is trained using historic data associated with the plurality of electronic accounts that were previously created and that have been classified as either the first specific account classification or a second specific account classification of the plurality of account classifications, and wherein the risk level indicates a likelihood that the third electronic account corresponds to the first specific account classification.