Fraud prevention in issuance of identification credentials

• US 7,503,488 B2
• Filed: 10/13/2004
• Issued: 03/17/2009
• Est. Priority Date: 10/17/2003
• Status: Active Grant

• Current Assignee: L-1 Secure Credentialing, LLC (Advent International Corporation)
• Original Assignee: L-1 Secure Credentialing, LLC (Advent International Corporation)
• Inventors: Davis, Bruce L.
• Primary Examiner(s): Frech; Karl D.
• Application Number:
  US10/965,232
• Publication Number:
  US 20050116025A1
• Time in Patent Office: 1,616 Days
• Field of Search: 235/382, 235/380, 235/375
• US Class Current: 235/382
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 20/3558 Preliminary personalisation for transfer to user
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/4016 involving fraud or risk level assessment in transaction processing
• CPC Class Codes: G07C 9/257 electronically G07C9/26 takes precedence
• CPC Class Codes: G07F 17/42 for ticket printing or like apparatus , e.g. apparatus for dispensing of printed paper tickets or payment cards
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

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.

Claims

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.

2. The method of claim 1 that includes determining that additional information should be solicited from the applicant prior to deciding whether an identification credential should be issued to said applicant.

3. The method of claim 1 that includes evaluating a result of said address information check as part of said analysis.

4. The method of claim 1 that includes assessing said action based on at least said address information check and based on said analysis of collateral identification credentials.

5. 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 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.

6. 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 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.

7. The method of claim 6 that includes presenting information related to said score to a credential issuing authority.

8. The method of claim 6 that includes using said score in determining whether to issue an identification credential to said applicant.

9. The method of claim 6 in which the first collateral identification credential is of a first type, and the second collateral identification credential is of a second, different, type, and in which said analysis includes consideration of historical data about fraud associated with the collateral identification credentials of said first and second types.

10. The method of claim 9 in which said analysis includes factor analysis.

11. The method of claim 9 in which said analysis includes trend analysis.

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.

13. The method of claim 12 in which said reliability score comprises a relative figure of merit related to confidence that the applicant is who they purport to be, rather than a binary go, no-go assessment of identity.

14. The method of claim 12 that includes issuing guidance to an official involved in processing said request, based at least in part on said score.

15. The method of claim 12 that includes receiving from the applicant a particular combination of collateral identification credentials of different types, and said score is based, at least in part, on said particular combination of types.

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.

17. The method of claim 16 in which said automated system is an expert system.

18. The method of claim 16 in which said guidance is also based on data provided from a database maintained by a third party, in response to a query that includes certain of the provided information.

19. The method of claim 18 in which the third party is a credit bureau.

20. The method of claim 18 in which the data provided from said database relates to address data.

21. The method of claim 18 in which the data provided from the database relates to employment data.

22. The method of claim 16 in which said guidance is also based on data from a database containing information on historical reports of fraud.

23. In a method of processing a request for a driver'"'"'s license, the method including:

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.

24. In a method of processing a request for a driver'"'"'s license, the method including:

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.

25. The method of claim 24 in which the third-party database comprises a telephone directory database.

26. The method of claim 24 in which the third-party database comprises a credit bureau database.

27. The method of claim 24 in which the certain information received from the applicant comprises address information.

28. The method of claim 24 in which the certain information received from the applicant comprises employment information.

29. The method of claim 24 in which the in-house database contains information relating to fraud associated with different types of collateral identification documents.

30. The method of claim 24 that also includes consulting a second, different third-party database to check other information received from the applicant, and using a result of said different database consultation in processing said request.

31. In a method of processing an applicant'"'"'s request for issuance of a driver'"'"'s license, the method including:

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.

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.

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.

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:

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.

35. The method of claim 34 in which the querying comprises querying a database containing address information.

36. The method of claim 34 that further includes, if the revised score does not meet a test:

querying a second external database for additional verification information;

determining a re-revised score that takes into account a result from said second database query; and

if the re-revised score meets a test, proceeding with the issuance process.

37. The method of claim 34 in which the ensemble of information received from the applicant includes a collateral identification document of a particular type, said particular type being among a group of approved document types, and the method includes selecting a particular external database to query from among a group of available external databases, said selection depending on the particular type of the received collateral identification document.

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.

39. The method of claim 38 in which said second type of data comprises an employer name.

40. The method of claim 38 in which said second type of data comprises a military discharge date.

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:

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.

42. The method of claim 41 in which said further verification procedure includes consulting at least one database not consulted in said initial verification procedure.

43. The method of claim 41 in which said further verification procedure includes soliciting additional information from the applicant.

44. The method of claim 43 in which said further verification procedure includes telephoning the applicant.

45. The method of claim 43 in which said further verification procedure includes sending a request to the applicant by mail.

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.

47. The method of claim 46 that includes analyzing said compilation of data to yield information useful in assessing risk of possible fraud associated with particular combinations of collateral identity credentials.

48. The method of claim 47 that includes consulting said information when an applicant solicits issuance of a primary identification credential, and adapting a level of scrutiny based at least in part on said information.

49. A database method comprising:

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.

50. The method of claim 49 that includes:

identifying collateral identity credentials of at least first and second types that were earlier used by said person to obtain the primary identity credential; and

storing data in the database associating fraud-related data with said first and second types of collateral identity credentials.

51. The method of claim 50 that includes, when a person solicits issuance of a primary identification credential and presents two more types of collateral identity credentials in support thereof, checking said database for fraud data associated with said types of collateral identity credentials, and taking action dependent thereon.

52. A method comprising:

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.

53. The method of claim 52 in which said capturing includes capturing optical data from the license, and decoding the optical data to generate a license identifier.

54. The method of claim 53 in which said decoding comprises decoding digital watermark data from the optical data.