Apparatus and method of enabling a victim of identity theft to resolve and prevent fraud

• US 20070043577A1
• Filed: 08/16/2005
• Published: 02/22/2007
• Est. Priority Date: 08/16/2005
• Status: Abandoned Application

• Current Assignee: Consumerinfo.com Incorporated (Experian plc)
• Original Assignee: Consumerinfo.com Incorporated (Experian plc)
• Inventors: Kasower, Sheldon
• Application Number:
  US11/205,549
• Publication Number:
  US 20070043577A1
• Time in Patent Office: Days
• US Class Current: 705/35
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 50/265 Personal security, identity or safety
• CPC Class Codes: G06Q 99/00 Subject matter not provided for in other groups of this subclass

Abstract

A web-based application method that allows victims of identity theft to rectify and prevent further fraudulent activity is comprised of communicating with a central system and receiving a series of actions and prompts by the system. The invention also allows the user to obtain general information relating to the various types of fraud and gives the user the ability to store and be able to archive all information relating to the fraud in one convenient place. Once the user has been guided through all of these actions, all necessary action will have been taken to rectify the present fraud, and also to prevent further fraudulent activity from occurring.

Claims

1. A method of enabling a victim of identity theft to notify appropriate agencies, and to resolve and prevent future fraud comprising:

entering information into a system computer,

determining a case action plan, wherein said determination is made by said system based on said information,

displaying a case action plan onto a screen, wherein said case action plan is determined by said system,

selecting by a user a course of action to take based upon said case action plan,

completing, by said user, a service report, and

notifying an appropriate entity once said service report is transmitted back to said system.

2. The method of claim 1 further comprising the step of sending email notifications to said user when said user inputs certain information into said system computer.

3. The method of claim 2 further comprising the step of contacting a system representative by said user.

4. The method of claim 1 further comprising the step of displaying a plurality of web links pertinent to fraud on said system computer to said user.

5. The method of claim 1 further comprising the step of maintaining a plurality of transaction information persistent across multiple independent transaction sessions.

6. The method of claim 5 further comprising the step of uploading a plurality of documents onto said system.

7. The method of claim 5 further comprising the step of archiving said transactions.

8. The method of claim 6 further comprising the step of archiving said documents.

9. The method of claim 7 further comprising the step of printing said transactions.

10. The method of claim 4 further comprising the step of printing information found on said web links.

11. The method of claim 8 further comprising the step of printing said documents.

12. The method claim of 10 further comprising the step of printing information found on said web links.

13. A method of enabling a victim of identity theft to notify appropriate agencies, and to resolve and prevent future fraud comprising:

entering a plurality of information into a system computer via an internet connection,

determining a case action plan, wherein said determination is made by said system based on said information,

displaying a case action plan onto a web browser of a user, wherein said case action plan is determined by said system,

selecting by a user a course of action to take based upon said case action plan,

completing, by said user, a service report, and

notifying an appropriate entity once said service report is transmitted back to said system.

14. The method of claim 13, further comprising:

sending email notifications to said user when said user inputs certain information into said system computer, and

contacting a system representative by said user.

15. The method of claim 13, further comprising:

displaying a plurality of web links pertinent to fraud on said system computer to said user,

maintaining a plurality of transaction information persistent across multiple independent transaction sessions, and

uploading a plurality of documents onto said system.

16. A method of enabling a victim of identity theft to notify appropriate agencies, and to resolve and prevent future fraud comprising:

entering a plurality of information into a system computer via an internet connection,

determining a case action plan, wherein said determination is made by said system based on said information,

displaying a case action plan onto a web browser of a user, wherein said case action plan is determined by said system,

selecting by a user a course of action to take based upon said case action plan,

completing, by said user, a service report,

notifying an appropriate entity once said service report is transmitted back to said system.

sending email notifications to said user when said user inputs certain information into said system computer,

contacting a system representative by said user,

displaying a plurality of web links pertinent to fraud on said system computer to said user,

maintaining a plurality of transaction information persistent across multiple independent transaction sessions,

uploading a plurality of documents onto said system,

archiving said transactions and documents, and

printing said transactions and information on said web links.

17. An apparatus for enabling a victim of identity theft to notify appropriate agencies, and to resolve and prevent future fraud comprising:

a user;

a server communicating with the user via a communication link and including a database operative to store information from user and relating to identity theft;

a computer programmed to perform the following steps;

evaluate the information entered by the user into the database;

determine the appropriate response for user to take;

calculate the appropriate time for the user to take; and

notify the appropriate user and agency when required.

18. The apparatus of claim 17 wherein the user comprises a client computer.

19. The apparatus of claim 18 wherein the client computer comprises a wireless link.

20. The apparatus of claim 17 wherein the communication link connects server to the web.