Identity verification noise filter systems and methods

• US 20060282270A1
• Filed: 06/09/2005
• Published: 12/14/2006
• Est. Priority Date: 06/09/2005
• Status: Abandoned Application

• Current Assignee: Early Warning Services, LLC
• Original Assignee: First Data Corporation (Fiserv Incorporated)
• Inventors: Kost, Kyle, Sheets, Alexander M.
• Application Number:
  US11/150,447
• Publication Number:
  US 20060282270A1
• Time in Patent Office: Days
• US Class Current: 705/1.100
• CPC Class Codes: G06Q 10/10 Office automation; Time management

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.

Claims

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.

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

changing the certainty level designation if the mitigating factors diminish the risk accordingly.

3. The method of claim 1, wherein an invalid association is a fraudulent association.

4. The method of claim 1, wherein the personal information is selected from the group consisting of:

an address, a driver'"'"'s license number, a phone number, a fax number, an email address, a social security number, a date of birth;

a bank account number, a credit card number, a PIN, a portion of at least one of the foregoing pieces of information, and combinations of the foregoing pieces of information.

5. The method of claim 1, wherein the certainty levels comprise numbers corresponding to different probabilities that the association between the name and the personal information is invalid.

6. The method of claim 1, wherein the certainty levels include at least one warning level which requires additional research into whether the association is invalid.

7. A computer-readable medium having computer-executable instructions for performing the computer-implementable method for reducing false warnings during identity checks of claim 1.

8. The method of claim 1, wherein,

the receiving step comprises receiving data correlated to an association between a name and a social security number;

the first analyzing step comprises the determination of whether a heightened risk of an invalid association exists because the name does not correlate to the social security number; and

the second analyzing step comprises the determination of whether the risk is diminished if the name is inverted.

9. The method of claim 1, wherein,

the receiving step comprises receiving data correlated to an association between a name and a date of birth and social security number;

the first analyzing step comprises the determination of whether a heightened risk of an invalid association exists because of the date that the social security number was issued; and

the second analyzing step comprises the determination of whether the risk is diminished because of the date of birth.

10. The method of claim 1, wherein,

the receiving step comprises receiving data correlated to an association between a name and an address and phone number;

the first analyzing step comprises the determination of whether a heightened risk of an invalid association exists because the phone number is not assigned to the geographic area associated with the address; and

the second analyzing step comprises the determination of whether the risk is diminished because the phone number is related to a cell phone.

11. The method of claim 1, wherein,

the receiving step comprises receiving data correlated to an association between a name and an address;

the first analyzing step comprises the determination of whether a heightened risk of an invalid association exists because of the address change history of the name or address; and

the second analyzing step comprises the determination of whether the risk is diminished because the address change relates to different people with the same last name, same account number, or same previous address.

12. 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 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.

13. The method of claim 12, wherein an invalid association is a fraudulent association.

14. The method of claim 12, wherein the personal information is selected from the group consisting of:

an address, a driver'"'"'s license number, a phone number, a fax number, an email address, a social security number, a date of birth;

a bank account number, a credit card number, a PIN, a portion of at least one of the foregoing pieces of information, and combinations of the foregoing pieces of information.

15. The method of claim 12, wherein the certainty levels comprise numbers corresponding to different probabilities that the association between the name and the personal information is invalid.

16. The method of claim 12, wherein the certainty levels include at least one warning level which requires additional research into whether the association is invalid.

17. The method of claim 12, wherein,

the receiving step comprises receiving data correlated to an association between a name and a date of birth and social security number;

the first analyzing step comprises the determination of whether the date of birth constitutes a mitigating factor which diminishes the potential risk related to the date that the social security number was issued; and

the second analyzing step comprises the determination of whether there is a heightened risk of an invalid association, wherein the analysis related to the date of issue of the social security number is eliminated.

18. The method of claim 12, wherein,

the receiving step comprises receiving data correlated to an association between a name and an address and phone number;

the first analyzing step comprises the determination of whether the phone number is assigned to a cell phone and thus constitutes a mitigating factor which diminishes the potential risk related to the geographic correlation of the address and phone number; and

the second analyzing step comprises the determination of whether there is a heightened risk of an invalid association, wherein the analysis related to the geographic correlation of the address and phone number is eliminated.

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.

20. The system of claim 19, wherein an invalid association is a fraudulent association.

21. The system of claim 19, wherein the personal information is selected from the group consisting of:

an address, a driver'"'"'s license number, a phone number, a fax number, an email address, a social security number, a date of birth;

a bank account number, a credit card number, a PIN, a portion of at least one of the foregoing pieces of information, and combinations of the foregoing pieces of information.

22. The system of claim 19, wherein the certainty levels comprise numbers corresponding to different probabilities that the association between the name and the personal information is invalid.

23. The system of claim 19, wherein the certainty levels include at least one warning level which requires additional research into whether the association is invalid.

24. The system of claim 19, wherein,

the personal information comprises a name and a Social Security number;

and

the host computer determines whether there is a heightened risk that the association is invalid because the name does not correlate the Social Security number, in light of whether there is a correlation if the name is inverted.

25. The system of claim 19, wherein,

the personal information comprises a date of birth and Social Security number;

and

the host computer determines whether there is a heightened risk that the association is invalid because of the date that the Social Security number was issued, in light of the date of birth.

26. The method of claim 19, wherein,

the personal information comprises an address and phone number;

the host computer determines whether there is a heightened risk that the association is invalid because the phone number is not assigned to the geographic area associated with the address, in light of whether phone number is related to a cell phone.

27. The system of claim 19, wherein,

the personal information comprises an address;

the host computer determines whether there is a heightened risk that the association is invalid because of the address change history of the name or address, in light of whether the address changes relate to different people with the same last name, same account number, or same previous address.