FRAUD DETERRENCE IN CONNECTION WITH IDENTITY DOCUMENTS

• US 20070084912A1
• Filed: 11/01/2004
• Published: 04/19/2007
• Est. Priority Date: 10/17/2003
• Status: Active Grant

• Current Assignee: L-1 Secure Credentialing, LLC (Advent International Corporation)
• Original Assignee: Digimarc Corporation
• Inventors: Davis, Bruce
• Granted Patent: US 7,225,977 B2
• Time in Patent Office: Days
• US Class Current: 235/380
• CPC Class Codes: G06Q 10/00 Administration; Management
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 20/3558 Preliminary personalisation for transfer to user
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/4016 involving fraud or risk level assessment in transaction processing
• CPC Class Codes: G07C 9/257 electronically G07C9/26 takes precedence
• CPC Class Codes: G07F 17/42 for ticket printing or like apparatus , e.g. apparatus for dispensing of printed paper tickets or payment cards
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

According to one aspect, an air travel agent who reviews photo IDs of prospective travelers is advised by an expert system that directs the agent to give certain travelers more or less (or different) scrutiny, depending on the type of photo ID they present (e.g., depending on the jurisdiction from which their driver'"'"'s license was issued). The system relies on a database in which historical incidents of fraud associated with different types of identification documents are logged, thereby serving as a resource by which future frauds might be better identified. Events that may signal increases in fraud beyond historical norms for particular types of ID documents, such as reported thefts of security laminates or other consumables used in their production, can also (or alternatively) be tracked in the database, and considered by the expert system. Such techniques allow security personnel to focus their efforts where they will do the most good. A variety of other technologies for mitigating fraud risks are also detailed.

Claims

1. An improved method for identity credential issuance, in which applicants submit one or more collateral documents to evidence their identities, the method comprising:

collecting historical information about fraud associated with different classes of collateral documents used by applicants to evidence their identities;

in connection with issuance of a new identity credential to an applicant, referring to said collected information to assess a risk associated with one or more particular collateral documents presented by said applicant; and

adapting a workflow for issuing said new identity credential to said applicant based on said assessed risk.

29. The method of claim 1 wherein said adapting the workflow comprises undertaking at least one of several different confirmatory checks of identity, dependent on said assessed risk.

2-6. -6. (canceled)

7. A method comprising:

collecting historical information about fraud related to different classes of identification documents;

referring to said collected information to identify a risk associated with a particular class of documents; and

instituting at least one countermeasure to mitigate said identified risk, said countermeasure serving to redress a particular security vulnerability that gives rise to said identified risk;

wherein said countermeasure entails a change in a procedure used to issue a state'"'"'s driver'"'"'s licenses.

8. A method comprising:

as part of a security check, receiving from a person a photo identification document, said photo identification document being associated with a particular issuing authority;

providing information to an automated system including data identifying said issuing authority; and

receiving from the automated system guidance concerning vetting the person or the document, said guidance being based at least in part on historical fraud data associated with other identification documents associated with said issuing authority.

9. The method of claim 8, performed at an airport.

10. As part of a security check wherein a person presents a photo identification document, said photo identification document being associated with a particular issuing authority, a method performed using an automated system comprising:

receiving information including data identifying said issuing authority;

consulting a database containing information relevant to risks corresponding to different classes of photo identification documents, to obtain information relevant to documents issued by said identified issuing authority; and

issuing guidance to an operator concerning vetting of said person or said document based thereon.

11. The method of claim 10 in which:

said obtained information indicates that photo identification documents issued by said particular issuing authority are relatively less reliable than photo identification documents issued by one or more other issuing authorities; and

said guidance indicates that the person or document should receive additional scrutiny.

12. The method of claim 10 in which the database contains data about historical fraud associated with photo identification documents of different classes.

13. The method of claim 10 in which the database contains information indicating that incidents of fraud associated with a particular class of photo identification document may rise.

14. The method of claim 13 in which said information relates to theft of materials used in the production of one or more classes of photo identification documents.

15. The method of claim 10 in which said guidance comprises requesting additional proof of identity from the person.

16. An expert system that helps guide an air travel agent in clearing prospective travelers for air travel, the system receiving data identifying a type of photo ID presented by a traveler, and advising the agent how to process the traveler, said advice being based at least in part on the type of presented photo ID.

17. The system of claim 16 wherein the system advises the agent to apply relatively more scrutiny to a first traveler, who presents a photo ID from a first state, than to a second traveler, who presents a photo ID from a second state, due to differences in historical fraud experience associated with photo IDs issued by the first and second states.

18. The system of claim 16 in which said advice is based in part on historical fraud data associated with the type of photo ID presented by the traveler.

19. The system of claim 16 in which said advice is based in part on one or more events that may signal an increase in fraud for a particular type of photo ID beyond historical norms.

20. The system of claim 19 in which said event comprises theft of materials used in producing a type of photo ID document.

21. The system of claim 16 in which the photo ID is a driver'"'"'s license issued by a state, and said advice is based in part on the state that issued said license.

22. A method comprising:

collecting historical information about fraud related to different classes of identification documents, said classes comprising driver'"'"'s licenses that are issued based on applicant presentation of different types of collateral documents;

referring to said collected information to identify a risk associated with a particular class of documents; and

instituting at least one countermeasure to mitigate said identified risk;

wherein said countermeasure entails a change in a state procedure concerning issuance of driver'"'"'s licenses based on certain collateral documents.

23. A method comprising:

collecting information about fraud related to different general types of government-issued identification documents;

when presented with a particular government-issued identification document, referring to said collected information to identify a risk associated with a general type of government-issued identification document to which said particular document belongs; and

instituting at least one countermeasure to mitigate said identified risk.

24. The method of claim 23 wherein said collecting comprising collecting information about fraud related to first and second general types of government-issued identification documents, where the first general type comprises driver'"'"'s licenses from a first state, and the second general type comprises driver'"'"'s licenses from a second, different, state.

25. The method of claim 23 wherein said instituting at least one countermeasure comprises soliciting a second identification document to confirm an identity represented by said particular government-issued identification document.

26. The method of claim 23 wherein said instituting at least one countermeasure comprises examining said particular government-issued identification document for a particular feature.

27. An improved method of identity credential issuance, in which applicants employ one or more options set forth in a defined procedure to evidence their identities, the method comprising:

collecting historical data about identity credential frauds, including compiling data indicating particular options employed by applicants involved in said frauds to evidence their identities;

referring to said collected data to assess a risk associated with one or more of said options; and

revising said defined procedure based on said risk assessment.

28. An improved method of state driver'"'"'s license issuance according to claim 27, wherein the options set forth in said defined procedure specify different types of collateral identity documents that are accepted to establish applicant identity, and the method includes revising said defined procedure to no longer accept a certain type of collateral identity document to establish applicant identity.