SYSTEM AND METHOD FOR DETECTION AND MITIGATION OF IDENTITY THEFT
First Claim
1. A method for detecting identity theft, comprising:
- (A) verifying a client'"'"'s identity;
(B) receiving, from one or more informational sources, personal client information;
(C) presenting the personal client information to the client for obtaining corrected personal client information depending upon an extent of verification of the client'"'"'s identity in step (A);
(D) subsequently, receiving additional personal client information from the one or more informational sources; and
(E) determining whether there is a discrepancy between the corrected personal client information and the additional personal client information, wherein the discrepancy indicates incorrect data in the additional personal client information; and
(F) providing the client with information related to identity theft when the discrepancy is determined to exist.
1 Assignment
0 Petitions
Accused Products
Abstract
An identity theft and identity repair system and method is disclosed that uses public access databases to identify changes in the records of a person to detect and mitigate attempts of identity theft against the person. Unidentified data or changes in the person'"'"'s name, address, social security number or phone number are used to determine possible attempts of identity theft against the person. Once a correct baseline of a person'"'"'s publicly available personal information has been established, this information baseline is used to automatically monitor the person'"'"'s public records on a periodic basis, notify the person of any detected changes which may be caused by the person or an imposter in an attempted identity theft. If identity theft is suspected, the system and method initiates a detailed analysis of the person'"'"'s publicly available personal information to determine the extent of the (any) identity theft. A further option of the present system and method is to initiate needed corrective repairs.
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Citations
27 Claims
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1. A method for detecting identity theft, comprising:
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(A) verifying a client'"'"'s identity; (B) receiving, from one or more informational sources, personal client information; (C) presenting the personal client information to the client for obtaining corrected personal client information depending upon an extent of verification of the client'"'"'s identity in step (A); (D) subsequently, receiving additional personal client information from the one or more informational sources; and (E) determining whether there is a discrepancy between the corrected personal client information and the additional personal client information, wherein the discrepancy indicates incorrect data in the additional personal client information; and (F) providing the client with information related to identity theft when the discrepancy is determined to exist. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17)
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18. A method for detecting identity theft, comprising:
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(A) verifying a client'"'"'s identity; (B) receiving, from one or more informational sources, personal client information; (C) presenting the personal client information to the client for obtaining corrected personal client information depending upon an extent of verification of the client'"'"'s identity in step (A); (D) subsequently, receiving additional personal client information from the one or more informational sources; and (E) determining whether there is a discrepancy between the corrected personal client information and the additional personal client information, wherein the discrepancy indicates incorrect data in the additional personal client information; (F) determining, when the discrepancy is determined to exist, a result indicative of a likelihood of identity theft occurring, the result being dependent upon an evaluation of the discrepancy, the evaluation including a step of combining a plurality of weighted measurements, wherein for each of the weighted measurements, the measurement therefor is indicative of an occurrence of an identity theft related factor in the discrepancy, and the weight therefor is indicative of a relative effectiveness of the measurement for predicting whether identity theft is occurring or is likely to occur; (G) selecting data for requesting further more detailed information personal client information to be retrieved from the one or more informational sources or additional informational sources for assisting with identity theft analysis; wherein the step of selecting is dependent upon at least one value of the result; and (H) providing the client with information related to identity theft when the discrepancy is determined to exist. - View Dependent Claims (19)
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20. A method for detecting identity theft, comprising:
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(A) verifying a client'"'"'s identity; (B) receiving, from one or more informational sources, personal client information; (C) presenting the personal client information to the client for obtaining corrected personal client information depending upon an extent of verification of the client'"'"'s identity in step (A); (D) subsequently, receiving additional personal client information from the one or more informational sources; and (E) determining whether there is a discrepancy between the corrected personal client information and the additional personal client information, wherein the discrepancy indicates incorrect data in the additional personal client information; (F) determining, when the discrepancy is determined to exist, a result indicative of a likelihood of identity theft occurring, the result being dependent upon an evaluation of the discrepancy, the evaluation including a step of combining a plurality of weighted measurements, wherein for each of the weighted measurements, the measurement therefor is indicative of an occurrence of an identity theft related factor in the discrepancy, and the weight therefor is indicative of a relative effectiveness of the measurement for predicting whether identity theft is occurring or is likely to occur; and (G) providing the client with information related to the result.
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21. A method for detecting identity theft, comprising:
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(A) verifying a client'"'"'s identity; (B) receiving, from one or more informational sources, personal client information; (C) presenting the personal client information to the client for obtaining corrected personal client information depending upon an extent of verification of the client'"'"'s identity in step (A); (D) subsequently, receiving additional personal client information from the one or more informational sources; and (E) determining whether there is a discrepancy between the corrected personal client information and the additional personal client information, wherein the discrepancy indicates incorrect data in the additional personal client information; (F) selecting data for requesting further more detailed information personal client information to be retrieved from the one or more informational sources or additional informational sources for assisting with identity theft analysis; wherein the step of selecting is dependent upon at least one value of the result; and (G) providing the client with information related to identity theft after the discrepancy is determined to exist.
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22. A method for detecting identity theft, comprising:
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receiving, from one or more informational sources, personal information identifying a client; detecting one or more discrepancies between the personal information, and client information known to be correct for the client; determining a likelihood that a theft of the client'"'"'s identity is occurring or has occurred; wherein the step of determining includes determining one or more of; (d) a number of the discrepancies between the personal information and the client information; (e) whether a first instance of a value of the personal information, detected when determining at least one of the discrepancies, is a typographical variation of a second instance of the value, and wherein the first and second instances are not a result of a common act by the client; and (f) whether there is a common value, detected in first and second records of the personal information, wherein; (i) the common value is not correct for the client, and (ii) the first and second records are not a result of a single act by the client. - View Dependent Claims (23, 24, 25)
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26. A method for detecting identity theft, comprising:
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(A) first receiving information for identifying a client; (B) receiving from one or more informational sources, personal client information of the client'"'"'s identity; (C) presenting the personal client information to the client for obtaining corrected personal client information; (D) receiving additional personal client information from the one or more informational sources; and (E) determining whether there is a discrepancy between the corrected personal client information and the additional personal client information, wherein the discrepancy indicates incorrect data in the additional personal client information; (F) determining, when the discrepancy is determined to exist, a result indicative of a likelihood of identity theft occurring, the result being dependent upon an evaluation of the discrepancy, the evaluation including a step of combining a plurality of weighted measurements, wherein each of the weighted measurements is indicative of a relative effectiveness for predicting whether identity theft is occurring or is likely to occur, and the measurement therefor is indicative of an occurrence of an identity theft related factor in the discrepancy; (G) receiving, for at least one value of the result, further more detailed personal client information from the one or more informational sources or additional informational sources for assisting with identity theft analysis; (H) determining a further likelihood of the identify theft occurring using the more detailed information; and (I) providing the client with information related to identity theft, at least one of the transmissions occurring after determining the further likelihood. - View Dependent Claims (27)
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Specification