Identity Protection
First Claim
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1. A method for specifying an individual'"'"'s risk of identity theft, comprising:
- determining a likelihood of identity theft of an individual'"'"'s assets;
specifying a risk of identity theft as a numerical measure of the determined likelihood of identity theft compared to other individuals; and
storing the numerical measure as an identity theft risk indicator for that individual.
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Abstract
In general, in one aspect, the invention relates to a system for providing identity protection that, in one embodiment, includes a fraud model for specifying patterns of events indicative of identity fraud and a business rules subsystem used to identify fraud that is specified by the fraud models. The system aggregates data from a variety of sources, and has an analytical engine that operates on the aggregated data and determines, using the business rules, whether there are events that are correlative with the fraud models that are indicative of fraud.
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Citations
25 Claims
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1. A method for specifying an individual'"'"'s risk of identity theft, comprising:
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determining a likelihood of identity theft of an individual'"'"'s assets; specifying a risk of identity theft as a numerical measure of the determined likelihood of identity theft compared to other individuals; and storing the numerical measure as an identity theft risk indicator for that individual. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. A method for specifying an individual'"'"'s risk of identity theft, comprising:
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identifying credit-related assets for an individual; determining a value for the credit-related assets that an identity thief could attack; determining the likelihood that an identity thief would attack the identified credit-related assets; determining demographic information of the individual; specifying the risk of identity theft as a risk indicia in response to the determined value, the determined likelihood, and the demographic information; and communicating the risk indicia to the individual. - View Dependent Claims (15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25)
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Specification