Individual identity authentication system

• US 20040243518A1
• Filed: 04/01/2004
• Published: 12/02/2004
• Est. Priority Date: 05/13/2003
• Status: Abandoned Application

• Current Assignee: John William Clifton, Paul Frank Guagliardo
• Original Assignee: John William Clifton, Paul Frank Guagliardo
• Inventors: Clifton, John William, Guagliardo, Paul Frank
• Application Number:
  US10/815,255
• Publication Number:
  US 20040243518A1
• Time in Patent Office: Days
• US Class Current: 705/72
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G07F 7/10 together with a coded signal , e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data

Abstract

An individual identity authentication system for authenticating an identity of an individual includes a client computer system and a service provider computer system. The client computer system may be implemented at various locations, for example, airport terminals, so as to provide ready access for various users to authenticate the identity of a particular individual. The service provider computer system is in communication with the client computer system and executes code for causing the service provider computer system to perform a number of steps. One step includes receiving a personal identification number (PIN) and a social security number (SSN) of an individual that is entered into a secure terminal associated with the client computer system. Another step includes authenticating an identity of the individual when the entered PIN and the entered SSN correspond to a registered PIN and a registered SSN of the individual.

Claims

1. A method for authenticating an identity of an individual, comprising the steps of:

receiving a personal identification number (PIN) and a social security number (SSN) of an individual; and

authenticating an identity of the individual when the received PIN and the received SSN correspond to a registered PIN and a registered SSN of the individual.

2. The method of claim 1, further comprising the step of:

registering the PIN of the individual with the SSN of the individual through a registration provider.

3. The method of claim 2, wherein the registration provider includes banks and savings and loan associations.

4. The method of claim 2, wherein the step of registering the PIN of the individual with the SSN of the individual through a registration provider includes the step of:

verifying an identity of the individual before providing the individual with access to a secure terminal for inputting the PIN and the SSN.

5. The method of claim 4, wherein the identity of the individual is verified by an employee of the registration provider through examination of at least one of a drivers license, a passport, an SSN card, a credit card and a birth certificate.

6. The method of claim 2, further including the steps of:

monitoring authentication requests for the individual;

flagging the individual when the number of failed authentication requests are above a predetermined level during a predetermined period; and

notifying at least one of the registration provider and the individual of a potential identity theft when the associated authentication requests are above the predetermined level during the predetermined period.

7. The method of claim 4, wherein the secure terminal is connected to an entity computer system that is in communication with a service provider computer system, and wherein the service provider computer system accesses a secure database to determine whether the entered PIN and the entered SSN correspond to a registered PIN and a registered SSN of the individual.

8. The method of claim 1, wherein the PIN includes one of numerals, characters and a combination of numerals and characters.

9. A system for authenticating an identity of an individual, comprising:

a service provider computer system in communication with an entity computer system, the service provider computer system storing code that when executed by the service provider computer system instructs the service provider computer system to perform the steps of;

receiving a personal identification number (PIN) and a social security number (SSN) of an individual from the entity computer system; and

authenticating an identity of the individual by sending an individual identity authentication message to the entity computer system when the received PIN and the received SSN correspond to a registered PIN and a registered SSN of the individual.

10. The system of claim 9, wherein the service provider computer system includes additional code for instructing the service provider computer system to perform the additional step of:

registering the PIN of the individual with the SSN of the individual through a registration provider.

11. The system of claim 10, wherein the registration provider includes banks and savings and loan associations.

12. The system of claim 10, wherein the step of registering the PIN of the individual with the SSN of the individual through a registration provider only occurs after the registration provider verifies the identity of the individual.

13. The system of claim 12, wherein the identity of the individual is verified by an employee of the registration provider through examination of at least one of a drivers license, a passport, an SSN card, a credit card and a birth certificate.

14. The system of claim 10, wherein the service provider computer system includes additional code for instructing the service provider computer system to perform the additional steps of:

monitoring authentication requests for the individual;

flagging the individual when the number of failed authentication requests are above a predetermined level during a predetermined period; and

notifying at least one of the registration provider and the individual of a potential identity theft when the associated authentication requests are above the predetermined level during the predetermined period.

15. The system of claim 9, wherein the service provider computer system accesses a secure database to determine whether the received PIN and the received SSN correspond to a registered PIN and a registered SSN of the individual.

16. The system of claim 9, wherein the PIN includes one of numerals, characters and a combination of numerals and characters.

17. A system for authenticating an identity of an individual, comprising:

a service provider computer system in communication with an entity computer system, the service provider computer system storing code that when executed by the service provider computer system instructs the service provider computer system to perform the steps of;

registering a personal identification number (PIN) of an individual with a social security number (SSN) of the individual through a registration provider.

receiving the PIN and the SSN of the individual from the entity computer system; and

authenticating an identity of the individual by sending an individual identity authentication message to the entity computer system when the received PIN and the received SSN correspond to a registered PIN and a registered SSN of the individual.

18. The system of claim 17, wherein the registration provider includes banks and savings and loan associations.

19. The system of claim 17, wherein the service provider computer system includes additional code for instructing the service provider computer system to perform the additional steps of:

monitoring authentication requests for the individual;

flagging the individual when the number of failed authentication requests are above a predetermined level during a predetermined period; and

notifying at least one of the registration provider and the individual of a potential identity theft when the associated authentication requests are above the predetermined level during the predetermined period.

20. The system of claim 17, wherein the service provider computer system accesses a secure database to determine whether the entered PIN and the entered SSN correspond to a registered PIN and a registered SSN of the individual.

21. The system of claim 17, wherein the PIN includes one of numerals, characters and a combination of numerals and characters.