Identity Graph Fraud Detection Systems and Methods - Stripe Patent EP4172908A1
Summary
The European Patent Office published Stripe LLC's patent application EP4172908A1 for identity graph-based fraud detection systems and methods. The invention covers AI/machine learning techniques for analyzing identity relationships to detect fraudulent activity across payment networks. The patent is designated for protection in all 35 European states including Germany, France, UK, Italy, Spain, and the Netherlands.
What changed
The EPO published Stripe's patent EP4172908A1 on April 1, 2026, covering systems and methods for identity graph-based fraud detection. The invention utilizes machine learning (G06N 20/00) to analyze relationships between identity attributes for fraud prevention in payment transactions (G06Q 20/38) and e-commerce (G06Q 30/06).
Competitors in the payments, fintech, and fraud detection technology space should evaluate whether their systems fall within the scope of these patent claims. The designation across all 35 European states creates broad territorial protection for Stripe's AI-driven fraud detection methods, potentially requiring licensing agreements for companies offering similar solutions in the EU market.
What to do next
- Monitor for potential infringement by competitors
- Review patent claims for licensing considerations
- Track related patent applications in fraud detection AI
Archived snapshot
Apr 8, 2026GovPing captured this document from the original source. If the source has since changed or been removed, this is the text as it existed at that time.
SYSTEMS AND METHODS FOR IDENTITY GRAPH BASED FRAUD DETECTION
Publication EP4172908A1 Kind: A1 Apr 01, 2026
Applicants
Stripe, LLC
Inventors
DRAPEAU, Ryan, OUYANG, Feiyi, ZHU, Tianshi, ABRAHAMAS, David, ROSEN, Joshua
IPC Classifications
G06Q 20/38 20120101AFI20240514BHEP G06N 20/00 20190101ALI20240514BHEP G06Q 30/06 20230101ALI20240514BHEP
Designated States
AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LI, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR
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