Fraud prevention system including biometric records identification and associated methods

• US 8,751,264 B2
• Filed: 11/19/2012
• Issued: 06/10/2014
• Est. Priority Date: 07/28/2005
• Status: Active Grant

• Current Assignee: Beraja IP LLC
• Original Assignee: Beraja IP LLC
• Inventors: Beraja, Roberto, Beraja, Victor, Beraja, Esther, Beraja, Isidoro, Beraja, Matilde
• Primary Examiner(s): PAULS, JOHN A
• Application Number:
  US13/680,977
• Publication Number:
  US 20140012756A1
• Time in Patent Office: 568 Days
• Field of Search: 705/2, 707/9
• US Class Current: 705/2
• CPC Class Codes: G01S 5/0027 of actual mobile position, i.e. position determined on mobile
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• 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: H04L 67/52 specially adapted for the location of the user terminal
• CPC Class Codes: H04W 4/80 Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication

Abstract

A consumer identification system includes a first controller positioned at a facility and a second controller positioned at an information collection center and adapted to be in communication with the first controller. The first controller may transmit a first signal to the second controller responsive to an occurrence of an event. The second controller may initiate contact with a photograph or biometric scan database via a network interface in response to the first signal received from the first controller, and an official photograph or biometric scan associated with the consumer name may be identified. The second controller may transmit the official photograph or biometric scan to the first controller so that the official photograph or biometric scan is viewable on a user interface at the facility. A consumer identity may be verified by performing a comparison of a consumer with the official photograph or biometric scan of the consumer.

Claims

1. A system for verifying the identity of a consumer comprising:

a first controller associated with a facility;

a memory associated with the first controller;

a biometric sensor in communication with the first controller;

a second controller associated with an information collection center and adapted to be in communication with the first controller;

a network interface; and

a biometric scan database;

wherein the biometric scan database includes biometric scans that are verifiable as being associated with a consumer, the biometric scans being defined as official biometric scans,

wherein the biometric scan database is accessible via the network interface,

wherein the first controller is configured to transmit a first signal that includes a request for an official biometric scan associated with a consumer to the second controller responsive to an occurrence of an event,

wherein the second controller is configured to initiate contact with the biometric scan database via the network interface in response to the first signal received from the first controller,

wherein an official biometric scan associated with the consumer is identified within the biometric scan database,

wherein the second controller is configured to transmit the official biometric scan associated with the consumer to the first controller in response to the first signal received from the first controller,

wherein a copy of the official biometric scan is stored on a memory associated with the first controller to define a stored official biometric scan;

wherein the stored official biometric scan is verified for accuracy by comparing the stored official biometric scan to an updated official biometric scan after a period of time during which the biometric feature included in the stored official biometric scan may have changed;

wherein the biometric sensor is configured to scan a biometric feature of the consumer producing a biometric scan of the consumer, and

wherein a consumer identity is verified by performing a comparison of the biometric scan of the consumer with the official biometric scan associated with the consumer.

2. A system according to claim 1 wherein the consumer is assigned a consumer information unit having consumer information associated therewith;

and wherein the event is reading the consumer information from the consumer information unit, and wherein a consumer information unit reader is configured to read the consumer information from the consumer information unit and be in communication with the first controller.

3. A system according to claim 2 wherein the consumer information unit reader is integrally formed with the first controller.

4. A system according to claim 2 wherein the consumer information unit is a credit card or a debit card.

5. A system according to claim 1 wherein a software system in communication with the first controller is operable by an operator at a facility wherein the first controller is located, wherein the operator is prompted to enter information relating to the consumer using the software system, and wherein the event is entry of the information relating to the consumer using the software system.

6. A system according to claim 1 further comprising a billing system associated with the first controller;

wherein the event is entry of information associated with the consumer in the billing system.

7. A system according to claim 1 wherein the first signal includes information relating to a transaction relating to goods or services being provided to the consumer at the facility.

8. A system according to claim 1, wherein the first controller transmits an indication to the second controller indicating whether the identity of the consumer is verified.

9. A system according to claim 8 wherein the second controller transmits a validation signal to the first controller in response to the indication signal including an indication of whether or not the transaction is a valid transaction based on the indication of whether the consumer identity is verified.

10. A system according to claim 1 wherein the official biometric scan is a photograph retrieved from at least one of department of motor vehicles, a licensing agency, a passport agency, and a law enforcement agency.

11. A system according to claim 1 wherein the official biometric scan is at least one of a finger print, a thumb print, an iris scan, and a retina scan;

and wherein the biometric sensor is configured to scan at least one biometric feature of the consumer selected from the group of biometric features consisting of finger prints, thumb prints, iris scans, and retina scans.

12. A system according to claim 1 wherein the first controller comprises a user interface associated therewith, the user interface including a display;

wherein a biometric feature recognition program performs a comparison between the biometric scan of the consumer and the official biometric scan associated with the consumer;

wherein the comparison by the biometric feature recognition program is performed by at least one of the first controller, second controller, and a remote computerized device; and

wherein results of the comparison are displayed via the user interface.

13. A system according to claim 12, wherein the comparison by the biometric feature recognition program is performed by at least two of the first controller, second controller, and remote computerized device;

and wherein the results of the at least two biometric feature recognition program performances are compared for consistency.

14. A system according to claim 12 wherein the results include an indication of similarity between the biometric scan of the consumer and the official biometric scan associated with the consumer.

15. A system according to claim 14 wherein the biometric feature recognition program indicates verification of the consumer'"'"'s identity when the indication of similarity is equal to or above a threshold value;

wherein if the indication of similarity is equal to or above the threshold value the transaction is determined to be valid; and

wherein if the indication of similarity is below the threshold value the transaction is determined to be invalid.

16. A system according to claim 1 wherein a copy of the official biometric scan is stored on a memory associated with the first controller to define a stored official biometric scan;

and wherein after a period of time, the stored official biometric scan is replaced with an updated official biometric scan, wherein the first controller retrieves the updated official biometric scan, and wherein the updated official biometric scan is stored on the memory and defined as an updated stored official biometric scan.

17. A system according to claim 16 wherein the official biometric scan previously defined as the stored official biometric scan is retained within the memory.

18. A system according to claim 1 further comprising a backup verification system that is activated to perform an action based on a backup event;

wherein the backup event that activates the backup verification system is an indication from the first controller that the consumer identity is not verified based on the comparison of a biometric feature of the consumer to the official biometric scan of the consumer; and

wherein the action is at least one of calling the consumer'"'"'s mobile telephone and speaking with the consumer to verify the consumer identity, providing a notification to the facility including a request that the consumer contact the information collection center to verify the consumer identity, and calling the facility and requiring the consumer to verify the consumer identity using a consumer identifier.

19. A method of using a consumer identity verification system that includes a first controller associated with a facility, a memory associated with the first controller, a biometric sensor capable of producing biometric scans of a consumer and being in communication with the first controller, a second controller associated with a information collection center and adapted to be in communication with the first controller, a network interface and a biometric scan database that is accessible via the network interface and includes biometric scans that are verifiable, the biometric scans being defined as official biometric scan, the method comprising:

sending a first signal from the first controller to the second controller responsive to an occurrence of an event;

initiating contact with the biometric scan database via the network interface in response to the first signal;

transmitting a request for an official biometric scan associated with a consumer name;

identifying the official biometric scan associated with the consumer name within the biometric scan database;

transmitting the official biometric scan associated with the consumer name to the first controller;

generating a scan of a biometric feature of the consumer by scanning a biometric feature of the consumer using the biometric sensor;

storing a copy of the official biometric scan is stored on the memory to define a stored official biometric scan;

verifying the accuracy of the stored official biometric scan by comparing the stored official photograph to an updated official biometric scan after a time period during which the biometric feature of the stored official biometric scan may have changed;

generating a biometric scan of a biometric feature of the consumer using the biometric sensor; and

verifying a consumer identity by performing a comparison of the scan of a biometric feature of the consumer with the official biometric scan associated with the consumer.

20. A method according to claim 19 wherein the event is reading consumer information from a consumer information unit associated with the consumer, and wherein a consumer information unit reader is configured to read the consumer information from the consumer information unit and be in communication with the first controller.

21. A method according to claim 19 further comprising prompting a facility associate to enter information relating to the consumer using a software system software system in communication with the first controller;

and wherein the event is entry of the information relating to the consumer using the software system.

22. A method according to claim 19 wherein the event is entry of information associated with the consumer in a billing system in communication with the first controller.

23. A method according to claim 19 wherein the first signal includes information relating to a transaction relating to goods or services being provided to the consumer at the facility.

24. A method according to claim 19 further comprising:

transmitting an indication from the first controller to the second controller indicating whether the identity of the consumer is verified; and

transmitting a second signal from the second controller to the first controller including an indication of whether or not the transaction is a valid transaction based on the indication of whether the consumer identity is verified.

25. A method according to claim 19 wherein the official biometric scan is at least one of a finger print, a thumb print, an iris scan, and a retina scan;

and wherein the biometric sensor is configured to scan at least one biometric feature of the consumer selected from the group of biometric features consisting of finger prints, thumb prints, iris scans, and retina scans.

26. A method according to claim 19 wherein the first controller comprises a user interface associated therewith, the user interface including a display wherein a biometric feature recognition program performs a comparison between the biometric scan of the consumer and the official biometric scan associated with the consumer;

wherein the comparison by the biometric feature recognition program is performed by at least one of the first controller, second controller, and a remote computerized device; and

wherein results of the comparison are displayed via the user interface.

27. A method according to claim 26 wherein the comparison by the biometric feature recognition program is performed by at least two of the first controller, second controller, and remote computerized device;

and wherein the results of the at least two biometric feature recognition program performances are compared for consistency.

28. A method according to claim 26 wherein the results include an indication of similarity between the biometric scan of the consumer and the official biometric scan associated with the consumer.

29. A method according to claim 28 further comprising activating a backup verification system to perform an action based on a backup event;

wherein the backup event that activates the backup verification system is an indication from the first controller that the consumer identity is not verified based on the comparison of the consumer to the official biometric scan of the consumer; and

wherein the action is at least one of calling the consumer'"'"'s mobile telephone and speaking with the consumer to verify the consumer identity, providing a notification to the facility including a request that the consumer contact the information collection center to verify the consumer identity, and calling the facility and requiring the consumer to verify the consumer identity using a consumer identifier.

30. A method according to claim 28 wherein the biometric feature recognition program indicates verification of the consumer'"'"'s identity when the indication of similarity is above a threshold value;

wherein if the indication of similarity is equal to or above the threshold value the transaction is determined to be valid; and

wherein if the indication of similarity is below the threshold value the transaction is determined to be invalid.

31. A method according to claim 19 wherein the stored official biometric scan is not verified for accuracy, further comprising the steps of:

retrieving the updated official biometric scan;

storing the updated official biometric scan on the memory;

defining the updated official biometric scan stored on the memory as an updated stored official biometric scan; and

retaining the official biometric scan previously defined as the stored official biometric scan within the memory.