Method and System to Verify the Identity of a User
First Claim
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1. An identity verification system provided to verify the identity of a user associated with a phone bill that can be used as a payment method, the system comprising:
- a processor; and
memory to store instructions which cause the processor to implement;
a communications module to receive, at a verification computer system, a billing telephone number and a user-supplied private data segment, wherein the billing telephone number indicates that a user has selected an associated phone bill as a payment method;
a private data processing module to obtain, from a personal data computer system, one or more identification records; and
a matching module to compare the one or more identification records obtained from the personal data computer system with the user-supplied private data segment to generate a match result, the address service computer system and the personal data computer system being third party computer systems.
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Abstract
A method and system to verify the identity of a user are described. The system may include a communications module to receive a billing telephone number and a private data segment associated with a user; an address detector to obtain a street address associated with the user; a private data processor to obtain one or more identification records, utilizing the obtained street address and the private data segment; and a matching module to compare the one or more identification records with the private data segment associated with the user to generate a match result.
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Citations
19 Claims
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1. An identity verification system provided to verify the identity of a user associated with a phone bill that can be used as a payment method, the system comprising:
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a processor; and memory to store instructions which cause the processor to implement; a communications module to receive, at a verification computer system, a billing telephone number and a user-supplied private data segment, wherein the billing telephone number indicates that a user has selected an associated phone bill as a payment method; a private data processing module to obtain, from a personal data computer system, one or more identification records; and a matching module to compare the one or more identification records obtained from the personal data computer system with the user-supplied private data segment to generate a match result, the address service computer system and the personal data computer system being third party computer systems. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14)
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15. A machine-readable non-transitory storage medium having instruction data provided to verify the identity of a user associated with a phone bill that can be used as a payment method, wherein the instruction data, when executed by a machine to cause the machine to:
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receive, at a verification computer system, a billing telephone number and a private data segment, the user-supplied private data segment corresponding to a date of birth of a user, wherein the billing telephone number indicates that a user has selected an associated phone bill as a payment method; obtain a street address associated with the user; obtain one or more identification records, utilizing the obtained street address; and compare the one or more identification records with the user-supplied private data segment corresponding to the date of birth of the user to generate a match result
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16. An identity verification system provided to determine whether a user is authorized to charge a purchase to a particular phone bill that can be used as a payment method, the system comprising:
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a communications module to receive a billing telephone number and a user-supplied private data segment, wherein the billing telephone number indicates that a user has selected a particular phone bill as a payment method; a subscriber line verification module to determine whether the particular phone bill may be used to make purchases from third party merchants; a personal data processing module to obtain a lookup result from a database of client profiles in response to the subscriber line verification module determining that the particular phone bill may be used to make purchases from third party merchants; and a matching module to compare the user-supplied private data segment to the lookup result; an authentication response generator to provide an authentication result in response to the comparison by the matching module. - View Dependent Claims (17, 18, 19)
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Specification