Methods and Systems to Help Detect Identity Fraud
First Claim
1. A method comprising:
- collecting information about an applicant;
storing said information in a first data structure;
by reference to the information stored in the data structure, identifying a knowledge domain with which the applicant is likely familiar;
selecting a question relating to said knowledge domain, the answer to said question not earlier having been provided by the applicant;
posing the selected question to the applicant;
receiving an applicant response to the posed question; and
generating a score based at least in part on an assessment of the received applicant response.
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Abstract
The disclosed technology generally relates to methods and systems to aid in verifying a person'"'"'s identity, e.g., in connection with applying for an identity document (such as a passport or driver'"'"'s license), or in connection with qualifying to enter a secured area (such as at an airport). Many arrangements involve testing the person concerning specific knowledge with which he or she should be familiar, e.g., by reason of living in a particular residence and neighborhood, by reason of their particular employment, or by reason of their particular education. An appendix particularly addresses crowdsourcing technology, including its applicability in redressing some of the shortcomings of fingerprint-based content identification.
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Citations
17 Claims
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1. A method comprising:
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collecting information about an applicant; storing said information in a first data structure; by reference to the information stored in the data structure, identifying a knowledge domain with which the applicant is likely familiar; selecting a question relating to said knowledge domain, the answer to said question not earlier having been provided by the applicant; posing the selected question to the applicant; receiving an applicant response to the posed question; and generating a score based at least in part on an assessment of the received applicant response. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17)
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Specification