Identity verification noise filter systems and methods
First Claim
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1. A method for reducing false warnings during identity verification, comprising:
- providing a host computer, including at least one associated database;
receiving, at the host computer, data correlated to an association between a name and personal information;
analyzing the data correlated to the association with the host computer to determine whether there is a heightened risk of an invalid association;
designating the association within one of a plurality of certainty levels related to the risk of an invalid association; and
analyzing the data correlated to the association with the host computer, if the association falls within specified certainty levels, to determine whether mitigating factors diminish the risk of an invalid association.
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Abstract
The present invention provides systems and methods for reducing false positives during the process of identity verification. A host computer is configured to receive an association between a name and personal information, and an analysis is performed related to invalid, inconsistent or unusual elements of person'"'"'s identity. A determination is made whether there is a heightened risk that the association is invalid in light of mitigating factors which diminish the risk. The association is designated within one of a number of certainty levels related to the risk.
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Citations
27 Claims
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1. A method for reducing false warnings during identity verification, comprising:
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providing a host computer, including at least one associated database;
receiving, at the host computer, data correlated to an association between a name and personal information;
analyzing the data correlated to the association with the host computer to determine whether there is a heightened risk of an invalid association;
designating the association within one of a plurality of certainty levels related to the risk of an invalid association; and
analyzing the data correlated to the association with the host computer, if the association falls within specified certainty levels, to determine whether mitigating factors diminish the risk of an invalid association. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A method for reducing false warnings during identity verification, comprising:
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providing a host computer, including at least one associated database;
receiving, at the host computer, data correlated to an association between a name and personal information;
analyzing the data correlated to the association with the host computer to determine whether mitigating factors exist which diminish the potential risk of an invalid association;
analyzing the data correlated to the association with the host computer to determine whether there is a heightened risk of an invalid association, wherein the analysis of issues corresponding to the existing mitigating factors is eliminated; and
designating the association within one of a plurality of certainty levels related to the risk of an inaccurate association. - View Dependent Claims (13, 14, 15, 16, 17, 18)
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19. A system to reduce false warnings during identity checks, comprising
a host computer; - and
at least one database associated with the host computer, the database having information related to names, personal information, and potentially invalid associations between names and personal information;
wherein the host computer is configured to receive an association between a name and personal information and to determine whether there is a heightened risk that the association is invalid in light of mitigating factors which diminish the risk, and to designate the association within one of a plurality of certainty levels related to the risk. - View Dependent Claims (20, 21, 22, 23, 24, 25, 26, 27)
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Specification