Systems and Methods For Estimating Probability Of Identity-Based Fraud
First Claim
1. A computer-implemented method comprising:
- receiving entity-supplied information comprising at least a name, a social security number (SSN), and a street address associated with a request for a payment or a benefit;
querying one or more public or private databases with the entity-supplied information;
receiving a plurality of information in response to the querying;
determining, with one or more computer processors in communication with a memory, based at least in part on a comparison of the entity-supplied information with at least a portion of the plurality of independent information, a validity indication of the entity supplied information;
disambiguating the entity-supplied information responsive to the determined validity indication;
scoring, with one or more computer processors in communication with a memory, based at least in part on a comparison of the disambiguated entity-supplied information with at least a portion of the plurality of independent information, at least one parameter of the entity-supplied information;
determining one or more indicators of fraud based on the scoring of the at least one parameter; and
outputting, for display, one or more indicators of fraud.
1 Assignment
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Accused Products
Abstract
Certain embodiments of the disclosed technology may include systems and methods for detecting fraud. A method is provided that includes: receiving entity-supplied information comprising at least a name, a social security number (SSN), and a street address associated with a request for a payment or a benefit; querying one or more databases with the entity-supplied information; receiving a plurality of information in response to the querying; determining a validity indication of the entity supplied information; disambiguating the entity-supplied information responsive to the determined validity indication; scoring, based at least in part on a comparison of the disambiguated entity-supplied information with at least a portion of the plurality of independent information, one or more parameters; determining one or more indicators of fraud based on the scoring; and outputting, for display, one or more indicators of fraud.
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Citations
20 Claims
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1. A computer-implemented method comprising:
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receiving entity-supplied information comprising at least a name, a social security number (SSN), and a street address associated with a request for a payment or a benefit; querying one or more public or private databases with the entity-supplied information; receiving a plurality of information in response to the querying; determining, with one or more computer processors in communication with a memory, based at least in part on a comparison of the entity-supplied information with at least a portion of the plurality of independent information, a validity indication of the entity supplied information; disambiguating the entity-supplied information responsive to the determined validity indication; scoring, with one or more computer processors in communication with a memory, based at least in part on a comparison of the disambiguated entity-supplied information with at least a portion of the plurality of independent information, at least one parameter of the entity-supplied information; determining one or more indicators of fraud based on the scoring of the at least one parameter; and outputting, for display, one or more indicators of fraud. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. A system comprising:
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at least one memory for storing data and computer-executable instructions; and at least one processor configured to access the at least one memory and further configured to execute the computer-executable instructions to; receive entity-supplied information comprising at least a name, a social security number (SSN), and a street address associated with a request for a payment or a benefit; query one or more public or private databases with the entity-supplied information; receive a plurality of information in response to the querying; determine, with the at least one processor, and based at least in part on a comparison of the entity-supplied information with at least a portion of the plurality of independent information, a validity indication of the entity supplied information; disambiguate, with the at least one processor, the entity-supplied information responsive to the determined validity indication; score, with the at least one processor, based at least in part on a comparison of the disambiguated entity-supplied information with at least a portion of the plurality of independent information, at least one parameter of the entity-supplied information; determine one or more indicators of fraud based on the scoring of the at least one parameter; and output, for display, at least one of the one or more indicators of fraud. - View Dependent Claims (15, 16, 17, 18, 19)
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20. One or more computer readable media comprising computer-executable instructions that, when executed by one or more processors, configure the one or more processors to perform the method of:
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receiving entity-supplied information comprising at least a name, a social security number (SSN), and a street address associated with a request for a payment or a benefit; querying one or more public or private databases with the entity-supplied information; receiving a plurality of information in response to the querying; determining, with one or more computer processors in communication with a memory, based at least in part on a comparison of the entity-supplied information with at least a portion of the plurality of independent information, a validity indication of the entity supplied information; disambiguating the entity-supplied information responsive to the determined validity indication; scoring, with one or more computer processors in communication with a memory, based at least in part on a comparison of the disambiguated entity-supplied information with at least a portion of the plurality of independent information, at least one parameter of the entity-supplied information; determining one or more indicators of fraud based on the scoring of the at least one parameter; and outputting, for display, one or more indicators of fraud.
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Specification