System and method for identity verification and management

• US 20060161435A1
• Filed: 12/07/2005
• Published: 07/20/2006
• Est. Priority Date: 12/07/2004
• Status: Active Grant

• Current Assignee: Amir Dabirian, Farsheed Atef
• Original Assignee: Amir Dabirian, Farsheed Atef
• Inventors: Dabirian, Amir, Atef, Farsheed
• Granted Patent: US 8,224,753 B2
• Time in Patent Office: Days
• US Class Current: 704/246
• CPC Class Codes: G06F 21/31 User authentication
• CPC Class Codes: G06F 21/34 involving the use of external additional devices, e.g. dongles or smart cards
• CPC Class Codes: G06F 21/40 by quorum, i.e. whereby two or more security principals are required
• CPC Class Codes: G06F 21/6245 Protecting personal data, e.g. for financial or medical purposes
• CPC Class Codes: G06F 2221/2101 Auditing as a secondary aspect
• CPC Class Codes: G06F 2221/2111 Location-sensitive, e.g. geographical location, GPS
• CPC Class Codes: G06F 2221/2113 Multi-level security, e.g. mandatory access control
• CPC Class Codes: G06F 2221/2115 Third party
• CPC Class Codes: G06F 2221/2119 Authenticating web pages, e.g. with suspicious links
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 20/4015 using location information
• CPC Class Codes: G07C 9/23 by means of a password
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: G10L 17/10 Multimodal systems, i.e. based on the integration of multiple recognition engines or fusion of expert systems
• CPC Class Codes: H04L 63/126 the source of the received data
• CPC Class Codes: H04L 63/18 using different networks or channels, e.g. using out of band channels cryptographic mechanisms or cryptographic arrangements for key distribution involving distinctive intermediate devices or communication paths H04L9/0827; cryptographic mechanisms or cryptographic arrangements for authentication using a plurality of channels H04L9/3215

Abstract

A system for verifying the identity of a user includes an identification score assignment module configured to receive at least one source of identification of the user and to assign an identification score to each of the at least one source of identification. The system includes a total identification score generation module, in communication with the identification score assignment module, configured to generate a total identification score of the user from the identification scores of each of the at least one source of identification and a predetermined function. The total identification score of the user is associated with a level of verification of the identity of the user, and compared to a minimum identification score associated with a transaction. The transaction is performed when the total identification score of the user is greater than or equal to the minimum identification score.

Claims

1. A system for verifying an identity of a user, comprising:

an identification score assignment module,

wherein the identification score assignment module is configured to receive at least one source of identification of the user, and

wherein the identification score assignment module is configured to assign an identification score to each of the at least one source of identification; and

a total identification score generation module in communication with the identification score assignment module,

wherein the total identification score generation module is configured to generate a total identification score of the user from the identification scores of each of the at least one source of identification and a predetermined function,

wherein the total identification score of the user is associated with a level of verification of the identity of the user,

wherein the total identification score of the user is compared to a minimum identification score associated with a transaction,

wherein the transaction is performed when the total identification score of the user is one of greater than and equal to the minimum identification score, and

wherein additional sources of identification of the user are received before performing the transaction when the total identification score is less than the minimum identification score.

2. The system of claim 1, comprising:

a data storage device,

wherein at least one of personal information and financial information of the user is stored in the data storage device,

wherein the total identification score is associated with the at least one of personal information and financial information of the user.

3. The system of claim 1, comprising:

an access code generation module,

wherein the access code generation module is configured to generate a unique identity access authorization code associated with the user for use by a third party to access information associated with the user.

4. The system of claim 3, comprising:

a data transmission module,

wherein the data transmission module is configured to transmit at least the total identification score of the user to the third party upon verification of the identity access authorization code.

5. The system of claim 4, wherein the data transmission module is configured to transmit at least the total identification score of the user to the third party upon further verification of a user identification code of the user.

6. The system of claim 3, comprising:

a log module,

wherein the log module is configured to record accesses associated with the total identification score of the user by the third party.

7. The system of claim 6, comprising:

a report generation module,

wherein the report generation module is configured to generate reports for displaying the record of accesses associated with the total identification score of the user.

8. The system of claim 1, comprising:

an identity card,

wherein the identity card is configured to securely contain identification information associated with the user.

9. The system of claim 1, comprising:

a transaction order generation module,

wherein the transaction order generation module is configured to generate a transaction order using the total identification score of the user,

wherein the transaction order is submitted by the user to perform the transaction, and

wherein at least one of personal information and financial information of the user is accessed, using the transaction order, to complete the transaction.

10. The system of claim 1, comprising:

an address identification code generation module,

wherein the address identification code generation module is configured to generate an address identification code associated with an address of the user,

wherein the address identification code and an address of a communication reception center is supplied to a third party,

wherein communications for the user from the third party are received at the communication reception center, and

wherein the communications include the address identification code; and

a communication display module,

wherein the communication display module is configured to display the communications to the user associated with the address identification code.

11. The system of claim 1, comprising:

an identity risk factor generation module,

wherein the identity risk factor generation module is configured to generate an identity risk factor associated with the user, and

wherein the identity risk factor is associated with a level of risk of theft of the identity of the user by identity thieves.

12. The system of claim 1, wherein the transaction comprises an application for credit.

13. The system of claim 1, wherein the transaction comprises a purchase transaction.

14. The system of claim 1, comprising:

a graphical user interface,

wherein the graphical user interface is configured to provide access to and management of identification information associated with the user.

15. A system for verifying an identity of a user, comprising:

a receiver module configured to receive at least one source of identification of the user;

an identification score assignment module configured to assign an identification score to each of the at least one source of identification;

an identification score generation module configured to generate a total identification score of the user from the identification scores of each of the at least one source of identification and a predetermined function,

wherein the total identification score of the user is associated with a level of verification of the identity of the user;

a comparator module configured to compare the total identification score of the user to a minimum identification score associated with a transaction; and

a transaction approval module,

wherein the transaction approval module is configured to generate an approval of the transaction when the total identification score of the user is one of greater than and equal to the minimum identification score, and

wherein the transaction approval module is configured to generate a request for additional sources of identification of the user before generating the approval of the transaction when the total identification score is less than the minimum identification score.

16. A method of verifying an identity of a user, comprising the steps of:

a.) receiving at least one source of identification of the user;

b.) assigning an identification score to each of the at least one source of identification; and

c.) generating a total identification score of the user from the identification scores of each of the at least one source of identification and a predetermined function,

wherein the total identification score of the user is associated with a level of verification of the identity of the user,

wherein the total identification score of the user is compared to a minimum identification score associated with a transaction,

wherein the transaction is performed when the total identification score of the user is one of greater than and equal to the minimum identification score, and

wherein additional sources of identification of the user are received before performing the transaction when the total identification score is less than the minimum identification score.

17. The method of claim 16, comprising the step of:

d.) supplying at least one of personal information and financial information of the user to a third party,

wherein the total identification score is associated with the at least one of personal information and financial information of the user.

18. The method of claim 16, comprising the step of:

d.) generating a unique identity access authorization code associated with the user for use by a third party in the transaction.

19. The method of claim 18, comprising the step of:

e.) transmitting, to the third party, at least the total identification score of the user upon verification of the identity access authorization code.

20. The method of claim 18, comprising the step of:

e.) recording accesses associated with the total identification score of the user by the third party.

21. The method of claim 20, comprising the step of:

f.) reviewing the record of accesses associated with the total identification score of the user.

22. The method of claim 18, comprising the step of:

e.) transmitting, to the third party, at least one of personal information and financial information associated with the user upon verification of the identity access authorization code of the user.

23. The method of claim 16, comprising the step of:

d.) issuing an identity card securely containing identification information associated with the user.

24. The method of claim 16, comprising the steps of:

d.) generating a transaction order using the total identification score of the user;

e.) submitting the transaction order to perform the transaction; and

f.) transmitting at least one of personal information and financial information of the user, upon verification of the transaction order, to complete the transaction.

25. The method of claim 16, comprising the steps of:

d.) associating an address identification code with an address of the user;

e.) supplying the address identification code and an address of a communication reception center to a third party;

f.) receiving communications for the user from the third party at the communication reception center,

wherein the communications include the address identification code; and

g.) supplying the communications to the user associated with the address identification code.

26. The method of claim 16, comprising the step of:

d.) supplying an identity risk factor associated with the user,

wherein the identity risk factor is associated with a level of risk of theft of the identity of the user by identity thieves.

27. The method of claim 16, wherein the transaction comprises an application for credit.

28. The method of claim 16, wherein the transaction comprises a purchase transaction.

29. A method of verifying an identity of a user, comprising the steps of:

a.) receiving at least one source of identification of the user;

b.) assigning an identification score to each of the at least one source of identification;

c.) generating a total identification score of the user from the identification scores of each of the at least one source of identification and a predetermined function,

wherein the total identification score of the user is associated with a level of verification of the identity of the user;

d.) comparing the total identification score of the user to a minimum identification score associated with a transaction;

e.) approving the transaction when the total identification score of the user is one of greater than and equal to the minimum identification score; and

f.) requesting additional sources of identification of the user before approving the transaction when the total identification score is less than the minimum identification score.

30. A system for verifying an identity of a user, comprising:

an identification score assignment module,

wherein the identification score assignment module is configured to receive at least one source of identification of the user, and

wherein the identification score assignment module is configured to assign an identification score to each of the at least one source of identification;

a total identification score generation module in communication with the identification score assignment module,

wherein the total identification score generation module is configured to generate a total identification score of the user from the identification scores of each of the at least one source of identification and a predetermined function,

wherein the total identification score of the user is associated with a level of verification of the identity of the user,

wherein the total identification score of the user is compared to a minimum identification score associated with a transaction; and

an identity confidence factor generation module in communication with the total identification score generation module,

wherein the identity confidence factor generation module is configured to generate an identity confidence factor associated with the user in accordance with a validity of the identity of the user,

wherein the transaction is performed when at least one of i.) the total identification score of the user is one of greater than and equal to the minimum identification score, and ii.) the identity confidence factor of the user is greater than a predetermined identity threshold value, and

wherein additional sources of identification of the user are received before performing the transaction when at least one of;

i.) the total identification score is less than the minimum identification score, and ii.) the identify confidence factor of the user is less than the predetermined identity threshold value.