Fraud prevention in issuance of identification credentials
First Claim
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.
3 Assignments
0 Petitions
Accused Products
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.
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Citations
23 Claims
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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:
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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. - View Dependent Claims (2, 3, 4, 5, 6)
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- 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.
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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:
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(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. - View Dependent Claims (15, 16, 17)
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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;
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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.
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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:
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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. - View Dependent Claims (20, 21, 22, 23)
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Specification