Fraud deterrence in connection with identity documents

• US 7,549,577 B2
• Filed: 06/04/2007
• Issued: 06/23/2009
• 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): LE, THIEN MINH
• Application Number:
  US11/757,539
• Publication Number:
  US 20080073428A1
• Time in Patent Office: 750 Days
• Field of Search: 235/382, 235/382.1, 235/375, 235/492, 235/493, 235/381, 235/380, 235/383, 705/1, 705/39, 705/43, 705/44
• US Class Current: 235/380
• CPC Class Codes: G06Q 10/00 Administration; Management
• 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, an air travel agent who reviews photo IDs of prospective travelers is advised by an expert system that directs the agent to give certain travelers more or less (or different) scrutiny, depending on the type of photo ID they present (e.g., depending on the jurisdiction from which their driver'"'"'s license was issued). The system relies on a database in which historical incidents of fraud associated with different types of identification documents are logged, thereby serving as a resource by which future frauds might be better identified. Events that may signal increases in fraud beyond historical norms for particular types of ID documents, such as reported thefts of security laminates or other consumables used in their production, can also (or alternatively) be tracked in the database, and considered by the expert system. Such techniques allow security personnel to focus their efforts where they will do the most good. A variety of other technologies for mitigating fraud risks are also detailed.

Claims

1. A method of reducing fraud, comprising:

collecting historical information about fraud related to different classes of driver'"'"'s licenses;

conducting an automated computer analysis of the collected historical information to identify a risk associated with a particular class of driver'"'"'s licenses; and

instituting at least one countermeasure to mitigate said identified risks;

wherein one of said different classes comprises driver'"'"'s licenses that are issued based on applicant presentation of a first set of one or more types of collateral documents, and a second of said different classes comprises driver'"'"'s licenses that are issued based on applicant presentation of a second set of one or more types of collateral documents, at least one type of collateral document included in one of said first or second sets not being included in the other.

2. A method of reducing fraud, comprising:

collecting information about incidents of fraud related to different identification documents;

for each of plural of said incidents, identifying information about a particular combination of collateral document types that were presented to procure the identification document involved in that incident; and

by reference to the aforesaid information, generating a score for a particular combination of first and second collateral document types, said generating being performed by a computer system;

wherein said score is useful to indicate whether an identification document—

which was procured based on that particular combination of first and second collateral document types—

poses a relatively greater or lesser risk of fraud, based on historical information.

3. The method of claim 2 in which said generating a score also takes into account an age of an applicant who presents said particular combination of first and second collateral documents.

4. A method of reducing fraud, comprising:

collecting information about fraud in connection with drivers licenses from a first state;

collecting information about fraud in connection with drivers licenses from a second state;

determining, by automated statistical analysis of said collected information, a relative fraud risk associated with drivers licenses from at least the first state; and

taking an action based on said determined relative fraud risk.

5. The method of claim 4 in which the action comprises changing a procedure for issuing drivers licenses in said first state.

6. The method of claim 5 in which the action comprises adapting a workflow for issuing drivers licenses in said first state.

7. The method of claim 4 in which the action comprises issuing automated guidance to an agent reviewing a drivers license from said first state.