Method and system for identity theft prevention, detection and victim assistance
First Claim
1. A method comprising:
- electronically monitoring at least one account associated with a customer for potential fraudulent activity;
identifying potential fraudulent activity related to the account based on one or more fraud indicators;
verifying identity of the customer associated with the account;
reviewing a credit report with the customer and a credit specialist, wherein the credit specialist is associated with a credit bureau or a commercial bureau; and
assisting the customer to rectify the fraudulent activity.
1 Assignment
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Accused Products
Abstract
A method and system that offers an identity theft prevention/detection service combined with a comprehensive victim assistance program. The identity theft prevention/detection service includes electronically monitoring an account associated with a customer for potential fraudulent activity. During the monitoring, potential fraudulent activity related to the account can be identified using fraud indicators. Once fraudulent activity is determined, the identity of the customer associated with the account can be verified. The verification can be done using information obtained from the customer with information obtained from the account associated with the customer. A credit report can be obtained and reviewed with the customer and a credit specialist. The credit specialist can be associated with a credit bureau or a commercial bureau. After reviewing the credit report, the case specialist can assist the customer in rectifying the fraudulent activity.
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Citations
17 Claims
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1. A method comprising:
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electronically monitoring at least one account associated with a customer for potential fraudulent activity;
identifying potential fraudulent activity related to the account based on one or more fraud indicators;
verifying identity of the customer associated with the account;
reviewing a credit report with the customer and a credit specialist, wherein the credit specialist is associated with a credit bureau or a commercial bureau; and
assisting the customer to rectify the fraudulent activity. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A system for mitigating the effects of identity theft, the system comprising:
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a fraud detection unit configured to electronically monitor at least one account associated with a customer for potential fraudulent activity using one or more fraud indicators;
a telephone network configured to allow communication between the customer and a case specialist; and
a computer network configured to provide access to account information associated with the customer and access to a credit report associated with the customer, wherein the case specialist verifies identify of the customer using the account information, reviews the credit report with the customer and a credit specialist via the telephone network, and assists the customer to rectify the fraudulent activity. - View Dependent Claims (12, 13, 14, 15, 16, 17)
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Specification