Fraud prevention in issuance of identification credentials
First Claim
1. In a method of processing a request for an identification credential, the method including:
- receiving for inspection, from an applicant, a collateral identification credential; and
obtaining photo image data of the applicant;
an improvement comprising;
receiving from the applicant at least two collateral identification credentials;
capturing data from at least one of said received collateral identification credentials;
capturing fingerprint data and signature data from the applicant;
checking address information presented by the applicant, by reference to a database;
conducting an analysis, based at least in part on said collateral identification credentials, said analysis yielding a score; and
based on at least some of the foregoing, assessing an action that should be taken with regards to said applicant.
4 Assignments
0 Petitions
Accused Products
Abstract
According to one aspect, the detailed technology concerns assessment of the fraud risk presented by an applicant for a driver'"'"'s license, based on a particular ensemble of information presented by the applicant. For example, certain collateral identification documents presented by the applicant (birth certificate, passport, student body ID card, etc.)—or certain combinations of documents—may be found to have relatively higher or lower historical incidences of fraud associated therewith. Based on such historical insight, the issuing agency can tailor its scrutiny of the applicant accordingly. In one arrangement a score is determined based on the presented information. If it falls below a threshold, extra verification checks can be undertaken, such as querying additional third party databases (credit bureaus, military discharge records, etc.). An automated system may guide the evaluation process, based on the particular ensemble of information presented, and on the results of any database queries.
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Citations
54 Claims
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1. In a method of processing a request for an identification credential, the method including:
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receiving for inspection, from an applicant, a collateral identification credential; and obtaining photo image data of the applicant; an improvement comprising; receiving from the applicant at least two collateral identification credentials; capturing data from at least one of said received collateral identification credentials; capturing fingerprint data and signature data from the applicant; checking address information presented by the applicant, by reference to a database; conducting an analysis, based at least in part on said collateral identification credentials, said analysis yielding a score; and based on at least some of the foregoing, assessing an action that should be taken with regards to said applicant. - View Dependent Claims (2, 3, 4)
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5. In a method of processing a request for an identification credential, the method including:
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receiving for inspection, from an applicant, a collateral identification credential; and obtaining photo image data of the applicant; an improvement comprising; receiving from the applicant at least first and second collateral identification credentials; capturing data from at least one of said received collateral identification credentials; capturing fingerprint data and signature data from the applicant; checking address information presented by the applicant, by reference to a database; based on at least information related to said first and second collateral identification credentials and said address checking, assessing whether an identification credential should be produced for said applicant.
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6. In a method of processing a request for an identification credential, the method including:
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receiving for inspection, from an applicant, a collateral identification credential; and obtaining photo image data of the applicant; an improvement comprising; receiving from the applicant at least first and second collateral identification credentials; conducting an analysis, based at least in part on said first and second collateral identification credentials, to yield a score. - View Dependent Claims (7, 8, 9, 10, 11)
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- 12. In a method of processing a request for issuance of a driver'"'"'s license, the method including providing information associated with a particular applicant to an automated system, said system generating a score based thereon, wherein said score is based, at least in part, on information not unique to the particular applicant, but rather on information that legitimately may be associated with different applicants.
- 16. In a method of processing a request for issuance of a driver'"'"'s license, the method including providing information associated with a particular applicant to an automated system, and receiving guidance from said system based on said provided information to reduce the possibility of fraud, wherein said guidance is based, at least in part, on information not unique to the particular applicant, but rather on information that legitimately may be associated with different applicants.
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23. In a method of processing a request for a driver'"'"'s license, the method including:
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receiving for inspection, from an applicant, a collateral identification credential; and obtaining photo image data of the applicant; an improvement comprising consulting data maintained by a third-party credit bureau about the applicant, and using said data in determining whether to issue an identification credential to said applicant.
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24. In a method of processing a request for a driver'"'"'s license, the method including:
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receiving, from an applicant, at least first and second collateral identification credentials; and obtaining photo image data of the applicant; an improvement comprising; automatically consulting an in-house database containing information useful in deterring fraudulent procurement of a driver'"'"'s license; automatically consulting a database compiled by a third-party to check certain information received from the applicant; and using a result of said automatic database consultations in processing said request. - View Dependent Claims (25, 26, 27, 28, 29, 30)
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31. In a method of processing an applicant'"'"'s request for issuance of a driver'"'"'s license, the method including:
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receiving, from the applicant, at least first and second collateral identification credentials of first and second different types; and obtaining photo image data of the applicant; an improvement comprising;
receiving guidance from an automated system by which an issuing authority can make an informed decision to either (a) issue a driver'"'"'s license, or (b) further check the applicant'"'"'s identity, said guidance being based on multiple data sources, including (i) the particular types of collateral identification credentials received from the applicant, (i) verification of an applicant address, and (iii) verification of at least one other item of information about the applicant by reference to an external database.
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32. In a method of processing a request for an identification credential, the method including receiving an ensemble of other identification credentials presented by an applicant, said credentials being of different types, an improvement comprising identifying the types of said credentials to an expert system, the expert system having previously been provided historical information about fraud corresponding to different types of credentials, said expert system employing said information in assessing a fraud risk associated with the ensemble presented by the applicant.
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33. In a method of processing a request for an identification credential wherein an applicant presents at least first and second types of collateral identification, an improvement comprising identifying said types of presented collateral identification to an expert system, and receiving guidance about processing said request from the expert system based at least in part thereon.
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34. In a method of processing a request for issuance of an identification credential, the method including receiving from an applicant an ensemble of information, an improvement comprising:
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determining a score based at least in part on some of the received ensemble of information; if the score does not meet a test, querying an external database for additional verification information; determining a revised score that takes into account a result from said query; and if the revised score meets a test, proceeding with the issuance process. - View Dependent Claims (35, 36, 37)
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- 38. In a method of processing a request for issuance of an identification credential, the method including receiving from an applicant an ensemble of information that includes a collateral identification document, and storing information related thereto in a database, the collateral identification document including data of a first type that is required for issuance of the identification credential, and data of a second type that is not required for issuance of the identification credential, an improvement comprising capturing said second type of data from the collateral identification document, storing same in the database, and conducting an applicant verification check based in part on said second type of data.
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41. In a method of processing a request for an identification credential by use of a central-issue identification credential issuance system, said system performing a method that includes:
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capturing applicant data at a first location; producing an identification credential at a second location different than the first; and mailing the produced identification credential to the applicant; an improvement comprising; receiving from the applicant information useful in verifying identity of the applicant; performing an initial verification procedure based on said received information; if said initial verification procedure is satisfactory, producing and mailing the identification credential; if said initial verification procedure is not satisfactory, undertaking a further verification procedure; and if said further verification procedure is satisfactory, producing and mailing the identification credential. - View Dependent Claims (42, 43, 44, 45)
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- 46. In a method of deterring fraud in issuance of primary identity credentials, an improvement comprising compiling data about the incidence of fraud associated with collateral identity credentials that may be presented by applicants in support of primary identity credentials.
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49. A database method comprising:
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receiving data indicating that a primary identity credential for a particular person has been associated with fraud; identifying a type of collateral identity credential that was earlier used by the person to obtain said primary identity credential; and storing data in a database associating fraud-related data with said type of collateral identity credential. - View Dependent Claims (50, 51)
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52. A method comprising:
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capturing data from a driver'"'"'s license presented during a first commercial or identification transaction; reporting said transaction to a database; capturing data from a driver'"'"'s license presented during a second commercial or identification transaction; reporting said transaction to a database; and flagging a suspicious usage of a driver'"'"'s license based on said reported transactions. - View Dependent Claims (53, 54)
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Specification