Systems and methods for increasing efficiency in the detection of identity-based fraud indicators
First Claim
1. A computer-implemented method for determining a likelihood of identity fraud associated with a dependent, the method comprising:
- receiving, from one or more sources, one or more dependent-related records;
querying one or more public or private databases with at least a portion of the dependent'"'"'s personally identifiable information (PII) from the received dependent-related records;
receiving a plurality of independent information in response to the querying;
determining, with one or more computer processors in communication with a memory, based at least in part on a comparison of the PII with at least a portion of the plurality of independent information, a first validity indication of the PII;
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 PII and the plurality of independent information to eliminate one or more name variations; and
adding metadata to one or more of the PII 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 PII;
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 dependent identity fraud.
1 Assignment
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Accused Products
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.
61 Citations
20 Claims
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1. A computer-implemented method for determining a likelihood of identity fraud associated with a dependent, the method comprising:
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receiving, from one or more sources, one or more dependent-related records; querying one or more public or private databases with at least a portion of the dependent'"'"'s personally identifiable information (PII) from the received dependent-related records; receiving a plurality of independent information in response to the querying; determining, with one or more computer processors in communication with a memory, based at least in part on a comparison of the PII with at least a portion of the plurality of independent information, a first validity indication of the PII; 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 PII and the plurality of independent information to eliminate one or more name variations; and adding metadata to one or more of the PII 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 PII; 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 dependent identity fraud. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. A system comprising:
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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 one or more sources, one or more records related to a dependent; query one or more public or private databases with at least a portion of the dependent'"'"'s personally identifiable information (PII) from the received dependent-related records; receive a plurality of independent information in response to the querying; determine, based at least in part on a comparison of the PII with at least a portion of the plurality of independent information, a first validity indication of the PII; create disambiguated entity records responsive to the first validity indication by one or more of; perform data cleansing on one or more of the PII and the plurality of independent information to eliminate one or more name variations; and add metadata to one or more of the PII and the plurality of independent information; determine relationships among the disambiguated entity records by one or more of; create a core join data structure with at least a portion of all available disambiguated entity records; split 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 cluster one or more of the persisted parts and the disambiguated entity records; score, based at least in part on determining the relationships among the disambiguated entity records, at least one parameter of the PII; determine 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 dependent identity fraud. - View Dependent Claims (15, 16, 17, 18, 19)
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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:
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receiving, from one or more sources, one or more dependent-related records; querying one or more public or private databases with at least a portion of the dependent'"'"'s personally identifiable information (PII) from the received dependent-related records; receiving a plurality of independent information in response to the querying; determining, with one or more computer processors in communication with a memory, based at least in part on a comparison of the PII with at least a portion of the plurality of independent information, a first validity indication of the PII; 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 PII and the plurality of independent information to eliminate one or more name variations; and adding metadata to one or more of the PII 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 PII; 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 dependent identity fraud.
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Specification