Identity Risk Scoring
First Claim
1. A method comprising:
- establishing an identity risk score for a subscriber of a financial service, wherein the identity risk score corresponds to a degree of certainty to which an identity of the subscriber is able to be verified;
receiving a transaction on behalf of the subscriber, wherein the transaction includes information that has not been previously received in association with the subscriber; and
altering the identity risk score as a result of processing the received transaction information.
1 Assignment
0 Petitions
Accused Products
Abstract
An identity risk score may be determined for subscribers of a service to indicate a level of confidence or certainty associated with a subscriber'"'"'s identity. The identity risk score may be modified upward or downward in order to reflect changing levels of certainty. The changes may be based on transactions performed on behalf of and/or information submitted by the subscriber. Functionality provided to the subscriber may also be dependent upon whether the subscriber'"'"'s identity risk score meets a threshold. In one or more arrangements, an identity risk score may be determined based on whether information entered by the subscriber can be confirmed and a level of confidence with which the information is confirmed.
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Citations
47 Claims
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1. A method comprising:
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establishing an identity risk score for a subscriber of a financial service, wherein the identity risk score corresponds to a degree of certainty to which an identity of the subscriber is able to be verified; receiving a transaction on behalf of the subscriber, wherein the transaction includes information that has not been previously received in association with the subscriber; and altering the identity risk score as a result of processing the received transaction information. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20)
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21. A method for determining a set of functions available to a subscriber comprising:
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determining a risk value associated with a subscriber, wherein the risk value is based on at least two of;
(i) an identity risk score associated with the subscriber, (ii) a credit risk score associated with the subscriber, and (iii) a fraud risk score associated with the subscriber;determining whether the risk value is above a threshold; and providing the subscriber with a first set of one or more available functions if the risk value is above the threshold. - View Dependent Claims (22, 23)
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24. A system comprising:
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a processor; and memory storing computer readable instructions that, when executed by the processor, cause the system to perform a method comprising; establishing an identity risk score for a subscriber of a financial service, wherein the identity risk score corresponds to a degree of certainty to which an identity of the subscriber is able to be verified; receiving a transaction on behalf of the subscriber, wherein the transaction includes information that has not been previously received in association with the subscriber; and altering the identity risk score as a result of processing the received transaction information. - View Dependent Claims (25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43)
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44. A system comprising:
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a processor; and memory storing computer readable instructions that, when executed by a processor, cause the system to perform a method including; determining a risk value associated with a subscriber, wherein the risk value is based on at least two of;
(i) an identity risk score associated with the subscriber, (ii) a credit risk score associated with the subscriber, and (iii) a fraud risk score associated with the subscriber;determining whether the risk value is above a threshold; and providing the subscriber with a first set of one or more available functions if the risk value is above the threshold - View Dependent Claims (45, 46)
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47. A system comprising:
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means for establishing an identity risk score for a subscriber of a financial service, wherein the identity risk score corresponds to a degree of certainty to which an identity of the subscriber is able to be verified; means for receiving a transaction on behalf of the subscriber, wherein the transaction includes information that has not been previously received in association with the subscriber; and means for altering the identity risk score as a result of processing the received transaction information.
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Specification