The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Mar. 11, 2025
Filed:
Feb. 16, 2022
Chime Financial, Inc., San Francisco, CA (US);
Peter Zawadzki, San Mateo, CA (US);
Jiby Babu, Austin, TX (US);
Chime Financial, Inc., San Francisco, CA (US);
Abstract
The present disclosure relates to systems, methods, and non-transitory computer-readable media that detect synthetic user accounts of a digital system via machine learning. For instance, the disclosed systems can utilize a machine learning model to analyze account features that are related to a user account and generate an indication that the user account is synthetic based on the analysis. The disclosed systems can further disable (e.g., suspend or close) the user account based on determining that the user account is synthetic. In some cases, the machine learning model provides a precision score that indicates a likelihood that the user account is synthetic, and the disclosed systems disable the user account if the precision score satisfies a threshold. In some implementations, the disclosed systems generate the machine learning model using synthetic user accounts detected via one or more rules and other user accounts that are associated with those synthetic user accounts.