Method for automatically establishing an identification theft recovery service based on the purchase of an item

• US 20090228295A1
• Filed: 02/06/2009
• Published: 09/10/2009
• Est. Priority Date: 02/08/2008
• Status: Abandoned Application

• Current Assignee: Stephen Lowy
• Original Assignee: Stephen Lowy
• Inventors: Lowy, Stephen
• Application Number:
  US12/322,847
• Publication Number:
  US 20090228295A1
• Time in Patent Office: Days
• US Class Current: 705/318
• CPC Class Codes: G06Q 30/0185 Product, service or business identity fraud
• CPC Class Codes: G06Q 90/00 Systems or methods specially adapted for administrative, commercial, financial, managerial or supervisory purposes, not involving significant data processing

Abstract

A method for automatically establishing an identification theft recovery service and/or credit fraud recovery service from a company that provides such services relating to identification theft and/or credit fraud, when an individual purchases an item and receives a record of the purchase such as a receipt, which may or may not be related to the protection of an individual'"'"'s identification or against credit fraud. The identification theft recovery service and/or credit fraud recovery service is automatically initiated upon the purchase of the item without the individual registering or taking any further action. The individual need only keep a proper record of the purchase, and if the individual'"'"'s identification is stolen or misappropriated and/or becomes the victim of credit fraud, the individual can provide the proper record to receive that company'"'"'s identification theft recovery services and/or credit fraud recovery services.

Claims

1. A method of automatically establishing an identification recovery service and/or credit fraud recovery service upon the purchase of an item, the steps comprising:

a. Selling an item;

b. Automatically establishing an identification theft recovery service and/or credit fraud recovery service based on the sale of that item;

c. Providing a record of the purchase of that item;

d. Authenticating said record, said authentication establishing an individual that purchased the item and when said purchase occurred, said authentication occurring subsequent to the theft of said individual'"'"'s identification which can include credit fraud;

e. Determining that said identification theft recovery service and/or credit fraud recovery service is to be provided;

f. Providing identification theft recovery services and/or credit fraud recovery services.

2. The method of automatically establishing an identification theft recovery service and/or credit fraud recovery service upon the purchase of an item in claim 1, wherein the item sold is related to the protection of identification theft.

3. The method of automatically establishing an identification theft recovery service and/or credit fraud recovery service upon the purchase of an item in claim 2, wherein the item sold is a paper shredder.

4. The method of automatically establishing an identification theft recovery service and/or credit fraud recovery service upon the purchase of an item in claim 2, wherein the item sold is software relating to the protection of identification theft and/or credit fraud.

5. The method of automatically establishing an identification theft recovery service and/or credit fraud recovery service upon the purchase of an item in claim 2, wherein the item sold is an identification theft kit.

6. The method of automatically establishing an identification theft recovery service and/or credit fraud recovery service upon the purchase of an item in claim 5, wherein the item sold is a paper shredder.

7. The method of automatically establishing an identification theft recovery service and/or credit fraud recovery service upon the purchase of an item in claim 5, wherein the item sold is a book relating to the prevention of identification theft which may or may not include credit fraud.

8. The method of automatically establishing an identification theft recovery service and/or credit fraud recovery service upon the purchase of an item in claim 5, wherein the item sold is a non-erasable pen.

9. The method of automatically establishing an identification theft recovery service and/or credit fraud recovery service upon the purchase of an item in claim 1, wherein the item sold is not related to the protection of identification theft or credit fraud.

10. The method of automatically establishing an identification theft recovery service and/or credit fraud recovery service upon the purchase of an item in claim 1, wherein the record is a receipt of the purchased item.

11. The method of automatically establishing an identification theft recovery service and/or credit fraud recovery service upon the purchase of an item in claim 1, wherein the record is a certificate of the insurance policy.

12. The method of automatically establishing an identification theft recovery service and/or credit fraud recovery service upon the purchase of an item in claim 1, wherein the record is a credit card receipt.

13. The method of automatically establishing an identification theft recovery service and/or credit fraud recovery service upon the purchase of an item in claim 1, wherein the identification theft recovery services and/or credit fraud recovery service comprises investigating the theft in order to find the thief.

14. The method of automatically establishing an identification theft recovery service and/or credit fraud recovery service upon the purchase of an item in claim 1, wherein the identification theft recovery services and/or the credit fraud service comprises investigating the theft in order to find where the information was misappropriated.

15. The method of automatically establishing an identification theft recovery service and/or credit fraud recovery service upon the purchase of an item in claim 1, wherein the identification theft recovery services comprises reimbursing the individual for any money actually lost from the theft.

16. The method of automatically establishing an identification theft recovery service and/or credit fraud recovery service upon the purchase of an item in claim 1, wherein the identification theft recovery services comprises taking action to protect from any continuing improper actions.

17. The method of automatically establishing an identification theft recovery service and/or credit fraud recovery service upon the purchase of an item in claim 1, wherein the taking action to protect from any continuing improper actions, includes contacting credit card companies to temporarily stop the use of credit cards.

18. The method of automatically establishing an identification theft recovery service and/or credit fraud recovery service upon the purchase of an item in claim 1, wherein taking action to protect from any continuing improper actions, includes contacting financial institutions to stop financial transfers.

19. The method of automatically establishing an identification theft recovery service and/or credit fraud recovery service upon the purchase of an item in claim 1, wherein the identification theft recovery services and/or credit fraud recovery service comprises contacting credit bureaus to prohibit the downgrading of said individual'"'"'s credit based on the identification theft.