System and method for identity validation for a regulated transaction

• US 7,827,410 B2
• Filed: 09/15/2008
• Issued: 11/02/2010
• Est. Priority Date: 09/19/2001
• Status: Expired due to Term

• Current Assignee: Uber Technologies, Inc.
• Original Assignee: Eleytheria, Ltd.
• Inventors: Korosec, Jason A.
• Primary Examiner(s): Parthasarathy, Pramila
• Application Number:
  US12/210,236
• Publication Number:
  US 20090008446A1
• Time in Patent Office: 778 Days
• Field of Search: None
• US Class Current: 713/183
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 30/018 Certifying business or products
• CPC Class Codes: G07C 9/22 in combination with an identity check of the pass holder

Abstract

A system and method for performing an identity validation is provided. The invention includes an identity transaction engine component and a communication component. The identity transaction engine component facilitates searching of data store(s) in order to validate identity related to a regulated transaction. The communication component facilitates communication between the identification validation system and remote system such as database(s) and/or data storage system(s). The data store(s) can store governmental agency and/or private entity information. The data store(s) can be remote or local. The invention further provides for the identification validation system to, optionally, include input device(s) and/or output device(s). The input device(s) facilitate identifying an entity to the identification validation system. The output device(s) facilitate communication to user(s) of the identification validation system.

Claims

1. A computer readable medium having computer usable instructions for determining authorization of an entity to engage in a regulated transaction, comprising:

an input component adapted to receive identification information associated with an entity desiring or attempting to engage in a regulated transaction;

an attribute data store that stores at least one attribute of the regulated transaction; and

an identity transaction engine component adapted to receive the identification information, the identity transaction engine component adapted to utilize one or more attributes of the regulated transaction to select two or more data stores to perform a search to validate the entity, determine whether to authorize the entity to engage in the regulated transaction based at least in part upon analysis of the identification information, information stored in the two or more data stores and the at least one attribute of the regulated transaction and communicate the determination to a user of the system via an output device, the identity transaction engine component applies rules based at least in part on the one or more attributes to the regulated transaction in order to determine whether the regulated transaction is improbable or impossible, the identity transaction engine component identifies the regulated transaction for at least one of processing or review if the regulated transaction is determined to be improbable or impossible.

2. The system of claim 1, the regulated transaction being at least one of voting, purchasing an alcohol product, purchasing a tobacco product, sending a letter, shipping a package, shipping a letter), purchasing a ticket for a mode of transportation, boarding a mode of transportation, transporting a hazardous material, entering a restricted area, entering a building, entering a facility, purchasing a fire arm, obtaining employment, retaining employment, requesting financial aid for education, engaging in a financial transaction, obtaining admission to an institution, obtaining permission to enter a country, entering a country, obtaining a license, obtaining an identification document, obtaining permission to vote or granting work authorization.

3. The system of claim 1, wherein the regulated transaction comprises a transaction restricted by one or more of a private or governmental concern.

4. The system of claim 1, the data stores is at least one of at least one data store storing information related to at least one of Social Security records, drivers license records, motor vehicle records, state identification records, military identification records, voter registration records, birth records, passport records, selective service records, national identification records or work authorization records.

5. The system of claim 1, wherein the one or more attributes are at least one of DNA profile, ethnicity, citizenship, religious affiliation, political affiliation, health status, failure to have a particular disease, gender, Selective Service registration status, biometric data, height, weight, history of felony conviction, criminal history, inclusion on a list maintained by a governmental agency or inclusion on a list maintained by a private entity.

6. The system of claim 1, further comprising a communication component facilitating communication between the identity transaction engine component and the at least one data store.

7. The system of claim 1, wherein the output device chosen from at least one of a touch screen device, a computer monitor, a television screen, a printer, a personal digital assistant, a wireless telephone display or speaker(s).

8. The system of claim 1, wherein the input component further comprises an input device, chosen from at least one of a card reader, a magnetic card reader, a bar code reader, keyboard, a touch screen device, an iris scanner, a retinal scanner, a thumb print reader, a digital camera, a DNA fingerprint analyzer, a DNA profile analyzer, a pointing device, such as a mouse, a microphone, an IR remote control, a joystick, a game pad, a personal digital assistant (PDA) or a smart card reader.

9. A method for authorizing an entity to engage in a regulated transaction, the method comprising:

receiving identification information associated with the entity;

receiving one or more attributes regarding the regulated transaction from an attribute data store;

determining which of two or more data stores to search based at least in part upon each one of the attributes;

performing a search on the two or more data stores based at least in part upon the received identification information and attribute;

determining whether to authorize the entity to engage in the regulated transaction based at least in part upon analysis of the identification information, information stored in the two or more data stores and at least one attribute of the regulated transaction;

determining whether one or more law enforcement agencies are interested in the entity;

notifying the one or more law enforcement agencies if it is determined that the one or more law enforcement agencies are interested in the entity; and

communicating the determination to a user of the system via an output device.

10. The method of claim 9, further comprising the acts of:

allowing the entity to engage in the regulated transaction if the determination of whether to authorize is positive; and

prohibiting the entity to engage in the regulated transaction if the determination of whether to authorize is negative.

11. The method of claim 9, the data stores is at least one of at least one data store storing information related to at least one of Social Security records, drivers license records, motor vehicle records, state identification records, military identification records, voter registration records, birth records, passport records, selective service records, national identification records, or work authorization records.

12. The method of claim 9, further comprising validating the identification information.

13. A computer-readable medium encoded with a data structure adapted to be communicated between two or more computer processes, the data structure comprising:

at least one attribute associated with a regulated transaction;

information associated with a determination of whether to permit an entity to engage in the regulated transaction, the determination is based at least in part upon analysis of identification information associated with the entity, information obtained from two or more data stores and the at least one attribute of the regulated transaction; and

information associated with a determination of whether the regulated transaction is improbable or impossible, the determination of whether the transaction is improbable or impossible is based at least upon rules associated with the at least one attribute,

wherein instructions associated with the data structure are executed on a processor operatively connected to the computer-readable medium.

14. The medium of claim 13, wherein determining which of a plurality of data stores to search based at least in part upon the at least one attribute of the regulated transaction.

15. The medium of claim 13, wherein the at least one attribute of the regulated transaction is retrieved from an attribute data store.

16. The medium of claim 13, wherein the regulated transaction being at least one of voting, purchasing an alcohol product, purchasing a tobacco product, sending a letter, shipping a package, shipping a letter, purchasing a ticket for a mode of transportation, boarding a mode of transportation, transporting a hazardous material, entering a restricted area, entering a building, entering a facility, purchasing a fire arm, obtaining employment, retaining employment, requesting financial aid for education, engaging in a financial transaction, obtaining admission to an institution, obtaining permission to enter a country, entering a country, obtaining a license, obtaining an identification document, obtaining permission to vote or granting work authorization.

17. The medium of claim 13, the data stores storing information related to at least one of Social Security records, drivers license records, motor vehicle records, state identification records, military identification records, voter registration records, birth records, passport records, selective service records, national identification records, or work authorization records.

18. The medium of claim 13, wherein the regulated transaction comprises a transaction restricted by one or more of a private or governmental concern.

19. The medium of claim 13, further comprising an output device that receives the information associated with the determination.