Identity verification system
First Claim
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1. An electronic system for the processing of data to verify the identity of an individual, comprising:
- means for preauthorizing a group of customers by storing an authorized version of biometric data and an authorized version of non-biometric data that may be used to verify the identity of individual customers;
means for obtaining data from the person of an individual who wishes to engage in a transaction, the data including test biometric data and test non-biometric data that may be used to identify the individual; and
means for transmitting the data to a central agency;
the central agency being provided with means for processing the data to determine whether the individual is also a preapproved customer, wherein the manner of processing at least includes comparing the test biometric data against the authorized version of biometric data such that a comparison match outcome is associated with recognition of the individual as a customer and a comparison non-match outcome is associated with nonrecognition of the individual as a customer;
means for providing notification of the comparison match outcome; and
a fraud database including at least one of hardware and circuitry, the fraud database containing historical biometric data which is associated with known or suspected instances of past fraud and means for comparing the test biometric data against the historical biometric data on a transaction specific basis to obtain a comparison outcome wherein a comparison match is associated with means for providing notice that the test biometric data is associated with an instance of past fraud from a person who is not a preauthorized customer but who is known to have previously committed fraud.
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Abstract
An electronic system is provided to confirm the identity of an individual or customer. The confirmation process permits businesses and other entities to access a preapproved list of authorize customers for purposes of preventing identity theft or fraud. Biometric data obtained from the person of the customer is compared against an authorized version of customer biometric data for this purpose. Even if an individual customer is not an authorized customer, the biometric data may be compared to a known fraud database to see if this individual has perpetrated past instances of fraud.
67 Citations
24 Claims
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1. An electronic system for the processing of data to verify the identity of an individual, comprising:
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means for preauthorizing a group of customers by storing an authorized version of biometric data and an authorized version of non-biometric data that may be used to verify the identity of individual customers; means for obtaining data from the person of an individual who wishes to engage in a transaction, the data including test biometric data and test non-biometric data that may be used to identify the individual; and means for transmitting the data to a central agency; the central agency being provided with means for processing the data to determine whether the individual is also a preapproved customer, wherein the manner of processing at least includes comparing the test biometric data against the authorized version of biometric data such that a comparison match outcome is associated with recognition of the individual as a customer and a comparison non-match outcome is associated with nonrecognition of the individual as a customer; means for providing notification of the comparison match outcome; and a fraud database including at least one of hardware and circuitry, the fraud database containing historical biometric data which is associated with known or suspected instances of past fraud and means for comparing the test biometric data against the historical biometric data on a transaction specific basis to obtain a comparison outcome wherein a comparison match is associated with means for providing notice that the test biometric data is associated with an instance of past fraud from a person who is not a preauthorized customer but who is known to have previously committed fraud. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A method for processing data to verify the identity of an individual, comprising:
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preauthorizing a group of customers by storing an authorized version of biometric data and an authorized version of non-biometric data that may be used to verify the identity of individual customers; obtaining data from the person of an individual who wishes to engage in a transaction, the data including test biometric data and test non-biometric data that may be used to identify the individual; and transmitting the data to a central agency; the central agency processing the data to determine whether the individual is also a preapproved customer, wherein the manner of processing at least includes comparing the test biometric data against the authorized version of biometric data such that a comparison match outcome is associated with recognition of the individual as a customer and a comparison non-match outcome is associated with nonrecognition of the individual as a customer; providing notification of the comparison match outcome; creating a fraud database that contains historical biometric data which is associated with known or suspected instances of past fraud from a person who is not a preauthorized customer but who is known to have previously committed fraud; comparing the test biometric data against the historical biometric data on a transaction specific basis to obtain a comparison outcome; and providing notice in the case of a comparison match outcome that the outcome is associated with an instance of past fraud. - View Dependent Claims (14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24)
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Specification