Fraud prevention in issuance of identification credentials

• US 7,988,043 B2
• Filed: 03/16/2009
• Issued: 08/02/2011
• 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:
  US12/381,765
• Publication Number:
  US 20090242629A1
• Time in Patent Office: 869 Days
• Field of Search: 235/382, 235/380, 235/375
• US Class Current: 235/380
• 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. A computerized method of processing a request by an applicant for an identification credential, the method being performed by execution of computer readable program code by a computer system, the method comprising:

receiving from the applicant at least two collateral identification credentials;

capturing and storing data from at least one of the received collateral identification credentials and storing the data in a first database operatively connected to the computer system;

capturing and storing in the first database fingerprint data and signature data from the applicant;

confirming, using the computer system, address information presented by the applicant, by reference to a second database operatively connected to the computer system, by comparing the address presented by the applicant to the address contained in the database;

the computer system processing data based at least in part on said collateral identification credentials stored in the first database, the processing outputting a score; and

based on the score outputted by the computer system, the computer system outputting a recommendation of an action that should be taken with regards to the individual'"'"'s request for an identification document.

2. The method of claim 1 further including the step of the computer system 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 the step of electronically forwarding information related to the score to a credential issuing authority.

4. The method of claim 1 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 the step of processing data includes consideration of historical data about fraud associated with the collateral identification credentials of said first and second types.

5. The method of claim 4 in which said processing step includes factor analysis.

6. The method of claim 4 in which said processing step includes trend analysis.

7. A computed method of processing a request for issuance of a driver'"'"'s license, the method being performed by execution of computer readable program code by a computer system, the method comprising inputting information associated with a particular applicant into the computer system, wherein the computer system, based on said provided information, processes the inputted information and outputs and displays a recommendation to grant or not grant the request for issuance of a driver'"'"'s license, and wherein the recommended output and display by the computer system is based, at least in part, on information not unique to the particular applicant, but rather on information associated with applicants other than the particular applicant.

8. The method of claim 7 in which the computer system includes an expert system, the expert system processing data contained in a database associated with the computer system to provide the recommendation outputted by the computer system.

9. The method of claim 7 further including a database associated with the computer system and maintained by a third party in which the recommendation outputted by the computer system is based upon data contained and accessed in the database, in response to a query to the database that includes certain of the provided information.

10. The method of claim 9 in which the third party is a credit bureau.

11. The method of claim 9 in which the data accessed from said database includes address data.

12. The method of claim 9 in which the data accessed from the database includes employment data.

13. The method of claim 7 in which said recommendation is also based on data accessed from a database containing data related to historical reports of fraud.

14. A computational method of processing a request for issuance of an identification credential, the method being performed by execution of computer readable program code by a computer system, the method including receiving from an applicant an ensemble of information, an improvement comprising:

(a) storing the ensemble of information in a database associated with the computer system;

(b) the computer system processing the ensemble of information and outputting a score based at least in part on some of the received ensemble of information;

(c) if the score does not meet a predetermined level of scoring established in order to approve issuance of an identification credential, querying an external database to output additional verification information;

(d) computing a revised score based on the output from said query to the external database; and

(e) if the revised score meets the predetermined level of scoring, outputting an indication to proceed with the issuance process for the identification credential.

15. The method of claim 14 in which the external database contains address information.

16. The method of claim 14 that further includes, if the revised score computed in step (d) does not meet the predetermined level of scoring, the further steps of:

(f) querying a second external database for additional verification information;

(g) determining a re-revised score that takes into account the output from said second external database query; and

(h) if the re-revised score meets the predetermined level of scoring, proceeding with the issuance process for the identification credential.

17. The method of claim 14 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 further comprises the step of selecting a particular external database to query from among a group of available external databases, the selection of the external database depending on the particular type of the received collateral identification document.

18. A method of processing a request for issuance of an identification credential, the method being performed by execution of computer readable program code by a computer system, the method comprising receiving from an applicant an ensemble of information that includes a collateral identification document;

storing information related to the collateral identification document in a database associated with the computer system, wherein the collateral identification document includes 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;

capturing the second type of data from the collateral identification document;

storing the second type of data in the database; and

using the computer system, conducting an applicant verification check based in part on said second type of data.

19. A method of processing a request for an identification credential by an applicant using a central-issue identification credential issuance system wherein applicant data is captured and stored at a first location but the identification credential is produced at a second location different from the first location, said system performing a method being performed by execution of computer readable program code by a computer system, the method comprising:

receiving from the applicant information useful in verifying the identity of the applicant and storing the information in a database associated with the computer system;

performing an initial verification procedure using the computer system based on said received information;

if said initial verification procedure performed by the computer results in meeting predetermined approval criteria, producing and mailing the identification credential from the second location;

if said initial verification procedure performed by the computer results in not meeting predetermined approval criteria, undertaking a further verification procedure on the computer system; and

if said further verification procedure performed by the computer results in meeting predetermined approval criteria, producing and mailing the identification credential from the second location.

20. The method of claim 19 in which said further verification procedure includes the step of accessing at least one database not accessed in the initial verification procedure.

21. The method of claim 19 in which said further verification procedure includes the step of soliciting additional information from the applicant.

22. The method of claim 19 in which said further verification procedure includes the step of telephoning the applicant.

23. The method of claim 19 in which said further verification procedure includes the step of sending a request to the applicant by mail.