Fraud Deterrence in Connection with Identity Documents

• US 20080073428A1
• Filed: 06/04/2007
• Published: 03/27/2008
• Est. Priority Date: 10/17/2003
• Status: Active Grant

• Current Assignee: L-1 Secure Credentialing, LLC (Advent International Corporation)
• Original Assignee: L-1 Secure Credentialing, LLC (Advent International Corporation)
• Inventors: Davis, Bruce
• Granted Patent: US 7,549,577 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. 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.

2. A method comprising:

collecting historical fraud information about fraud related to identification documents;

associating said historical fraud information with different combinations of collateral documents that were presented to procure said identification documents; and

by reference to said historical fraud information, and associations based thereon, generating a score for a particular combination of first and second collateral documents.

3. The method of claim 2 in which said generating a score also takes into account an age of an applicant who presents said particular combination of first and second collateral documents.

4. A method comprising:

collecting information about fraud in connection with drivers licenses from a first state;

collecting information about fraud in connection with drivers licenses from a second state;

determining, by reference to said collected information, a relative fraud risk associated with drivers licenses from one of said states; and

taking an action based on said determined relative fraud risk.