System and method for identity verification and management

• US 8,224,753 B2
• Filed: 12/07/2005
• Issued: 07/17/2012
• Est. Priority Date: 12/07/2004
• Status: Active Grant

• Current Assignee: Amir Dabirian, Farsheed Atef
• Original Assignee: Amir Dabirian, Farsheed Atef
• Inventors: Atef, Farsheed, Dabirian, Amir
• Primary Examiner(s): Shaawat, Mussa A
• Application Number:
  US11/295,516
• Publication Number:
  US 20060161435A1
• Time in Patent Office: 2,414 Days
• Field of Search: None
• US Class Current: 705/64
• CPC Class Codes: G06F 21/31 User authentication
• CPC Class Codes: G06F 21/34 involving the use of external additional devices, e.g. dongles or smart cards
• CPC Class Codes: G06F 21/40 by quorum, i.e. whereby two or more security principals are required
• CPC Class Codes: G06F 21/6245 Protecting personal data, e.g. for financial or medical purposes
• CPC Class Codes: G06F 2221/2101 Auditing as a secondary aspect
• CPC Class Codes: G06F 2221/2111 Location-sensitive, e.g. geographical location, GPS
• CPC Class Codes: G06F 2221/2113 Multi-level security, e.g. mandatory access control
• CPC Class Codes: G06F 2221/2115 Third party
• CPC Class Codes: G06F 2221/2119 Authenticating web pages, e.g. with suspicious links
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 20/4015 using location information
• CPC Class Codes: G07C 9/23 by means of a password
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: G10L 17/10 Multimodal systems, i.e. based on the integration of multiple recognition engines or fusion of expert systems
• CPC Class Codes: H04L 63/126 the source of the received data
• CPC Class Codes: H04L 63/18 using different networks or channels, e.g. using out of band channels cryptographic mechanisms or cryptographic arrangements for key distribution involving distinctive intermediate devices or communication paths H04L9/0827; cryptographic mechanisms or cryptographic arrangements for authentication using a plurality of channels H04L9/3215

Abstract

A system for verifying the identity of a user includes an identification score assignment module configured to receive at least one source of identification of the user and to assign an identification score to each of the at least one source of identification. The system includes a total identification score generation module, in communication with the identification score assignment module, configured to generate a total identification score of the user from the identification scores of each of the at least one source of identification and a predetermined function. The total identification score of the user is associated with a level of verification of the identity of the user, and compared to a minimum identification score associated with a transaction. The transaction is performed when the total identification score of the user is greater than or equal to the minimum identification score.

Claims

1. A processor-based system for verifying an identity of a user in a transaction, comprising:

a data storage device, wherein at least one of personal information and financial information of the user is stored in the data storage device, wherein the total identification score is associated with the at least one of personal information and financial information of the user;

a processor, the processor being operatively coupled to the data storage device and a plurality of modules, each module being configured to carry out at least one operation;

an identification score assignment module operatively coupled to the processor, wherein the identification score assignment module is configured to receive at least one source of identification of the user, and wherein the identification score assignment module is configured to assign an identification score to each of the at least one source of identification;

a total identification score generation module operatively coupled with the identification score assignment module,

wherein the total identification score generation module is configured to generate a total identification score of the user from the identification scores of each of the at least one source of identification and a predetermined function,

wherein the total identification score of the user is associated with a level of verification of the identity of the user,

wherein the total identification score of the user is compared to a minimum identification score associated with a transaction,

wherein the transaction is performed when the total identification score of the user is greater than or equal to the minimum identification score,

and wherein additional sources of identification of the user are received before performing the transaction when the total identification score is less than the minimum identification score;

a log module operatively coupled to the processor, wherein the log module records accesses associated with the total identification score of the user by the third party;

an access code generation module operatively coupled to the processor, wherein the access code generation module is configured to generate a unique identity access authorization code associated with the user for use by a third party to access information associated with the user; and

a data transmission module operatively coupled to the processor, wherein the data transmission module is configured to transmit at least the total identification score of the user to a third party.

2. The processor-based system of claim 1, wherein the data transmission module is configured to transmit at least the total identification score of the user to the third party upon further verification of a user identification code of the user.

3. The processor-based system of claim 1, comprising:

a report generation module operatively coupled to the processor, wherein the report generation module is configured to generate reports for displaying the record of accesses associated with the total identification score of the user.

4. The processor-based system of claim 1, comprising:

an identity card, wherein the identity card is configured to securely contain identification information associated with the user.

5. The processor-based system of claim 1, comprising:

a transaction order generation module operatively coupled to the processor, wherein the transaction order generation module is configured to generate a transaction order using the total identification score of the user, wherein the transaction order is submitted by the user to perform the transaction, and wherein at least one of personal information and financial information of the user is accessed, using the transaction order, to complete the transaction.

6. The processor-based system of claim 1, comprising:

an address identification code generation module operatively coupled to the processor, wherein the address identification code generation module is configured to generate an address identification code associated with an address of the user,

wherein the address identification code and an address of a communication reception center is supplied to a third party,

wherein communications for the user from the third party are received at the communication reception center,

and wherein the communications include the address identification code; and

a communication display module operatively coupled to the processor, wherein the communication display module is configured to display the communications to the user associated with the address identification code.

7. The processor-based system of claim 1, comprising:

an identity risk factor generation module operatively coupled to the processor, wherein the identity risk factor generation module is configured to generate an identity risk factor associated with the user, and wherein the identity risk factor is associated with a level of risk of theft of the identity of the user by identity thieves.

8. The processor-based system of claim 1, wherein the transaction comprises an application for credit.

9. The processor-based system of claim 1, wherein the transaction comprises a purchase transaction.

10. The processor-based system of claim 1, comprising:

a graphical user interface operatively coupled to the processor, wherein the graphical user interface is configured to provide access to and management of identification information associated with the user.