System for identifying an individual and managing an account
First Claim
1. A method for managing an account for an individual, comprising the steps of:
- a) communicating with an individual who is seeking to purchase a product or service from a point of sale, wherein said communicating occurs without the individual disclosing an account number to the point of sale; and
wherein said communicating further comprises obtaining from said individual at least three sets of numbers relating to the individual'"'"'s personal information, wherein said at least three sets of numbers includes;
a) a first set of numbers com risin the last four digits of the individual'"'"'s social security number;
b) a second set of numbers comprising the last two digits its of the individual'"'"'s birth year or the two digits indicating the individual'"'"'s birth month, or the two digits indicating the individual'"'"'s birth day-of-month, or any combination of those numbers; and
c) a third set of numbers comprising the individual'"'"'s zip code, and wherein said sets of numbers obtained from said individual does not include the complete account number for any pre-existing credit or social security account of the individual;
b) using an account management system to compare said at least three sets of numbers to at least one database including a plurality of personal information associated with a plurality of individuals;
c) identifying from the plurality of individuals one identified individual whose plurality of personal information includes the personal information associated with said individual; and
d) managing an account for said individual in an account database.
1 Assignment
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Accused Products
Abstract
The present invention provides a method for managing an account for an unidentified individual by communicating with the unidentified individual who is using a device to communicate which transmits an identifier associated with the origin of the communication, obtaining from the unidentified individual a group of characters associated with the unidentified individual'"'"'s personal information, comparing the group of characters to a database including a plurality of personal information associated with a plurality of individuals, identifying from the plurality of individuals one individual whose plurality of personal information includes the group of characters associated with the unidentified individual, and managing an account for the identified individual in an account database.
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Citations
12 Claims
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1. A method for managing an account for an individual, comprising the steps of:
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a) communicating with an individual who is seeking to purchase a product or service from a point of sale, wherein said communicating occurs without the individual disclosing an account number to the point of sale; and
wherein said communicating further comprises obtaining from said individual at least three sets of numbers relating to the individual'"'"'s personal information, wherein said at least three sets of numbers includes;
a) a first set of numbers com risin the last four digits of the individual'"'"'s social security number;
b) a second set of numbers comprising the last two digits its of the individual'"'"'s birth year or the two digits indicating the individual'"'"'s birth month, or the two digits indicating the individual'"'"'s birth day-of-month, or any combination of those numbers; and
c) a third set of numbers comprising the individual'"'"'s zip code, and wherein said sets of numbers obtained from said individual does not include the complete account number for any pre-existing credit or social security account of the individual;b) using an account management system to compare said at least three sets of numbers to at least one database including a plurality of personal information associated with a plurality of individuals; c) identifying from the plurality of individuals one identified individual whose plurality of personal information includes the personal information associated with said individual; and d) managing an account for said individual in an account database. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A method for managing an account for an individual, comprising the steps of:
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a) communicating with an individual who is seeking to purchase a product or service from a point of sale, wherein said communicating occurs without the individual disclosing an account number to the point of sale; and
wherein said communicating further comprises obtaining from said individual at least three sets of numbers relating to the individual'"'"'s personal information, wherein said at least three sets of numbers includes;
i) a first set of numbers comprising the last four digits of the individual'"'"'s social securit number;
ii) a second set of numbers comprising the numbers in the individual'"'"'s home street address; and
iii) a third set of numbers comprising the individual'"'"'s zip code;
wherein said sets of numbers obtained from said individual does not include the complete account number for any pre-existing credit or social security account of the individual;b) using an account management system to compare said at least three sets of numbers to at least one database including a plurality of personal information associated with a plurality of individuals; c) identifying from the plurality of individuals one identified individual whose plurality of personal information includes the personal information associated with said individual; and d) managing an account for said individual in an account database. - View Dependent Claims (11)
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12. A method for allowing an individual to purchase a product or service without disclosing an account number, comprising the steps of:
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a) communicating with an individual who is seeking to purchase a product or service from a point of sale, wherein said communicating includes requesting and obtaining from the individual;
i) a first set of numbers comprising the last four digits of the individual'"'"'s social security number;
ii) a second set of numbers comprising the last two digits of the individual'"'"'s birth year, or the two digits indicating the individual'"'"'s birth month, or the two digits indicating the individual'"'"'s birth day-of-month, or the numbers in the individual'"'"'s home street address, or any combination of those numbers; and
iii) a third set of numbers comprising the individual'"'"'s zip code, and receiving responses thereto, wherein said communicating does not request or obtain from said individual the complete account number for any pre-existing credit or social security account of the individual;b) using an account management system to compare said sets of numbers to at least one database including a plurality of personal information associated with a plurality of individuals; c) identifying from the plurality of individuals a unique individual whose plurality of personal information includes the personal information associated with said individual; and d) allowing said unique individual to purchase a product or service.
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Specification