Systems and methods for increasing efficiency in the detection of identity-based fraud indicators

• US 10,089,686 B2
• Filed: 11/23/2015
• Issued: 10/02/2018
• Est. Priority Date: 07/03/2012
• Status: Active Grant

• Current Assignee: LexisNexis Risk Solutions, Inc. (RELX PLC)
• Original Assignee: LexisNexis Risk Solutions, Inc. (RELX PLC)
• Inventors: Straub, Scott M., Bucholz, Andrew John, Thorogood, Marlene L., Smith, Lea, Paganacci, Jennifer, Faidley, Monty, Lappenbusch, Steve
• Primary Examiner(s): Goyea, Olusegun
• Application Number:
  US14/949,140
• Publication Number:
  US 20160086262A1
• Time in Patent Office: 1,044 Days
• Field of Search: 705 38, 705 44, 705 50, 235379, 707602, 707607, 707E17005
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/4016 involving fraud or risk level assessment in transaction processing
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof
• CPC Class Codes: G06Q 50/265 Personal security, identity or safety

Abstract

Certain embodiments of the disclosed technology include systems and methods for increasing efficiency in the detection of identity-based fraud indicators. A method is provided that includes: receiving entity-supplied information comprising at least a name, a social security number (SSN), and a street address associated with a request for a payment or a benefit; querying one or more databases with the entity-supplied information; receiving a plurality of information in response to the querying; determining a validity indication of the entity supplied information; creating disambiguated entity records; determining relationships among the disambiguated records; scoring, based at least in part on determining the relationships among the disambiguated entity records, at least one parameter of the entity-supplied information; determining one or more indicators of fraud based on the scoring; and outputting, for display, one or more indicators of fraud.

Claims

1. A computer-implemented method comprising:

receiving, from a first information source, entity-supplied information comprising at least a name, a social security number (SSN), and a street address associated with a request for a payment or a benefit, wherein the entity-supplied information is based at least in part on information provided by an entity, wherein the entity is represented as a natural person;

querying one or more public or private databases with the entity-supplied information;

receiving, from a second information source that is independent of the first information source, a plurality of independent information in response to the querying, wherein the plurality of independent information is not provided by the entity;

determining, with one or more computer processors in communication with a memory, based at least in part on a comparison of the entity-supplied information with at least a portion of the plurality of independent information, a first validity indication of the entity-supplied information;

creating, with the one or more computer processors, disambiguated entity records responsive to the first validity indication by one or more of;

performing data cleansing on one or more of the entity-supplied information and the plurality of independent information to eliminate one or more name variations; and

adding metadata to one or more of the entity-supplied information and the plurality of independent information;

determining, with the one or more computer processors, relationships among the disambiguated entity records by one or more of;

creating a core join data structure with at least a portion of all available disambiguated entity records;

splitting the core join data structure into persisted parts, wherein the persisted parts are configured for updating a shared structure between versions in the memory to reduce disk utilization; and

clustering one or more of the persisted parts and the disambiguated entity records;

scoring, with the one or more computer processors and based at least in part on determining the relationships among the disambiguated entity records, at least one parameter of the entity-supplied information;

determining, with the one or more computer processors, one or more indicators of fraud based on the scoring of the at least one parameter; and

outputting, for display, one or more indicators of fraud.

2. The method of claim 1, wherein the at least one parameter of the entity-supplied information comprises a distance between the entity-supplied street address and a street address of one or more entity relatives or entity associates.

3. The method of claim 1, wherein the at least one parameter of the entity-supplied information comprises a number of records associating the entity-supplied SSN and the entity-supplied street address.

4. The method of claim 1, wherein the at least one parameter of the entity-supplied information comprises a number of unique SSNs associated with the entity-supplied street address.

5. The method of claim 1, wherein the at least one parameter of the entity-supplied information comprises a number of sources reporting the entity-supplied SSN with the entity-supplied name.

6. The method of claim 1, wherein the at least one parameter of the entity-supplied information comprises a number of other entities associated with the entity-supplied SSN.

7. The method of claim 1, further comprising scoring neighborhood fraud metrics based on the entity-supplied street address and further based on one or more of:

presence of businesses in the surrounding neighborhood;

density of housing in the neighborhood; and

median income in the neighborhood.

8. The method of claim 1, wherein determining the first validity indication of the entity-supplied information further comprises determining one or more of:

whether entity is deceased;

whether the entity is currently incarcerated;

whether the entity has an incarceration record;

time since incarceration if the entity has an incarceration record; and

whether the entity has been involved in a bankruptcy.

9. The method of claim 1, wherein the plurality of independent information includes one or more of:

an indication of whether or not the entity is deceased;

a date of death when the entity is indicated as deceased;

independent address information associated with the entity;

address validity information associated with the entity-supplied information; and

one or more records associated with the entity-supplied information;

or no information.

10. The method of claim 1, wherein receiving the plurality of independent information comprises receiving one or more records comprising one or more of housing records, vehicular records, marriage records, divorce records, hospital records, death records, court records, property records, incarceration records, tax records, and utility records, wherein the utility records comprise one or more of utility hookups, disconnects, and associated service addresses.

11. The method of claim 1, wherein receiving the independent information comprises receiving one or more physical addresses of relatives or associates of the entity.

12. The method of claim 1, wherein the one or more public or private databases are independent of a government agency.

13. The method of claim 1, wherein receiving the entity-supplied information comprises receiving the name, SSN, and street address is associated with the request for the payment or the benefit from a government agency.

14. A system comprising:

at least one memory for storing data and computer-executable instructions; and

at least one processor configured to access the at least one memory and further configured to execute the computer-executable instructions to;

receive, from a first information source, entity-supplied information comprising at least a name, a social security number (SSN), and a street address associated with a request for a payment or a benefit, wherein the entity-supplied information is based at least in part on information provided by an entity, wherein the entity is represented as a natural person;

query one or more public or private databases with the entity-supplied information;

receive, from a second information source that is independent of the first information source, a plurality of independent information in response to the querying, wherein the plurality of independent information is not provided by the entity;

determining, with the at least one processor and based at least in part on a comparison of the entity-supplied information with at least a portion of the plurality of independent information, a first validity indication of the entity-supplied information;

create, with the at least one processor, disambiguated entity records responsive to the first validity indication by one or more of;

performing data cleansing on one or more of the entity-supplied information and the plurality of independent information to eliminate one or more name variations; and

adding metadata to one or more of the entity-supplied information and the plurality of independent information;

determine, with the at least one processor, relationships among the disambiguated entity records by one or more of;

creating a core join data structure with at least a portion of all available disambiguated entity records;

splitting the core join data structure into persisted parts, wherein the persisted parts are configured for updating a shared structure between versions in the memory to reduce disk utilization; and

clustering one or more of the persisted parts and the disambiguated entity records;

score, with the at least one processor and based at least in part on determining the relationships among the disambiguated entity records, at least one parameter of the entity-supplied information;

determine, with the at least one processor, one or more indicators of fraud based on the scoring of the at least one parameter; and

output, for display, one or more indicators of fraud.

15. The system of claim 14, wherein the at least one parameter of the entity-supplied information comprises one or more of:

a distance between the entity-supplied street address and a street address of one or more entity relatives or entity associates;

a number of records associating the entity-supplied SSN and the entity-supplied street address;

a number of unique SSNs associated with the entity-supplied street address;

a number of sources reporting the entity-supplied SSN with the entity-supplied name; and

a number of other entities associated with the entity-supplied SSN.

16. The system of claim 14, wherein the at least one processor is further configured to score neighborhood fraud metrics based on the entity-supplied street address and further based on one or more of:

presence of businesses in the surrounding neighborhood;

density of housing in the neighborhood; and

median income in the neighborhood.

17. The system of claim 14, wherein the first validity indication of the entity-supplied information is further determined based one or more of:

whether entity is deceased;

whether the entity is currently incarcerated;

whether the entity has an incarceration record;

time since incarceration if the entity has an incarceration record; and

whether the entity has been involved in a bankruptcy.

18. The system of claim 14, wherein the plurality of independent information includes one or more of:

an indication of whether or not the entity is deceased;

a date of death when the entity is indicated as deceased;

independent address information associated with the entity;

address validity information associated with the entity-supplied information;

one or more records associated with the entity-supplied information, housing records, vehicular records, marriage records, divorce records, hospital records, death records, court records, property records, incarceration records, tax records, and utility records, wherein the utility records comprise one or more of utility hookups, disconnects, and associated service addresses.

19. The system of claim 14, wherein receiving the independent information comprises receiving one or more physical addresses of relatives or associates of the entity.

20. One or more computer readable media comprising computer-executable instructions that, when executed by one or more processors, configure the one or more processors to perform the method of:

receiving, from a first information source, entity-supplied information comprising at least a name, a social security number (SSN), and a street address associated with a request for a payment or a benefit, wherein the entity-supplied information is based at least in part on information provided by an entity, wherein the entity is represented as a natural person;

querying one or more public or private databases with the entity-supplied information;

receiving, from a second information source that is independent of the first information source, a plurality of independent information in response to the querying, wherein the plurality of independent information is not provided by the entity;

determining, based at least in part on a comparison of the entity-supplied information with at least a portion of the plurality of independent information, a first validity indication of the entity-supplied information;

creating disambiguated entity records responsive to the first validity indication by one or more of;

performing data cleansing on one or more of the entity-supplied information and the plurality of independent information to eliminate one or more name variations; and

adding metadata to one or more of the entity-supplied information and the plurality of independent information;

determining, with the one or more computer processors, relationships among the disambiguated entity records by one or more of;

creating a core join data structure with at least a portion of all available disambiguated entity records;

splitting the core join data structure into persisted parts, wherein the persisted parts are configured for updating a shared structure between versions in the memory to reduce disk utilization; and

clustering one or more of the persisted parts and the disambiguated entity records;

scoring, based at least in part on determining the relationships among the disambiguated entity records, at least one parameter of the entity-supplied information;

determining one or more indicators of fraud based on the scoring of the at least one parameter; and

outputting, for display, one or more indicators of fraud.