Method and system for reporting identity document usage

• US 20070205266A1
• Filed: 11/01/2004
• Published: 09/06/2007
• Est. Priority Date: 10/17/2003
• Status: Active Grant

• Current Assignee: L-1 Secure Credentialing, LLC (Advent International Corporation)
• Original Assignee: Digimarc Corporation
• Inventors: Davis, Bruce, Carr, J.
• Granted Patent: US 7,314,162 B2
• Time in Patent Office: Days
• US Class Current: 235/380
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 20/3558 Preliminary personalisation for transfer to user
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• 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: G07F 17/42 for ticket printing or like apparatus , e.g. apparatus for dispensing of printed paper tickets or payment cards
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

To more rapidly redress identity theft, reports are issued to a person detailing instances in which that person'"'"'s driver'"'"'s license, passport, or other government-issued identification documents are presented as a form of ID. These reports can be issued periodically (e.g., integrated with monthly reports aggregating bank and brokerage account information, of the sort provided by Yahoo! and Microsoft Money software), or can be issued by email or text messaging, etc., each time an ID presentment is reported. Upon receiving a report of unfamiliar ID usage (e.g., a report that a driver'"'"'s license was presented as evidence of age to purchase alcohol in a remote state), the person can take early action to redress apparent identity theft.

Claims

1. A method comprising:

capturing information from a government-issued identification document for a person, when the document is presented at a first location;

forwarding information captured from the document for storage at a first data center, together with information identifying the first location;

capturing information from a government-issued identification document for said same person, when the document is presented at a second location remote from the first location;

forwarding information captured from the document for storage at a second data center, together with information identifying the second location; and

reviewing information stored at the first and second data centers for evidence of suspicious use.

2. The method of claim 1 wherein legislation requires presentment of a government-issued identification document from persons mailing packages at U.S Post Offices, and one of said first or second locations is a U.S. Post Office.

3. The method of claim 1 wherein a vendor who captures information from a government-issued identification document during a commercial transaction is given economically favorable commercial terms, compared to a vendor who does not capture such information.

4. The method of claim 1 wherein the capturing of information at the first location is performed by a vendor, and the vendor is charged a lower fee by a financial institution because of said information capturing.

5. The method of claim 1 wherein the person is provided a financial incentive for permitting capturing of information from the government-issued identification document.

6. The method of claim 1 wherein the first and second data centers are the same data center.

7. The method of claim 1 that further comprises generating a report detailing where and when wherein the government-issued identification document was presented, and presenting said report to said person.

8. The method of claim 1 in which said report also reports activity relating to a brokerage, savings, mortgage, or checking account maintained by the person.

9. A method comprising the acts:

collecting information about bank or brokerage account activity from a bank or brokerage computer;

collecting information about usage of one or more government-issued identity documents from one or more data repositories distinct from said bank or brokerage computer, said information including data relating to place and time of said usage; and

presenting a report based on the collected information to a user.

10. The method of claim 9 that includes flagging at least one of said usages as suspicious, and highlighting the report of same in a visibly conspicuous manner.

11. A method comprising:

collecting information relating to presentment of a person'"'"'s driver'"'"'s license in first and second different contexts;

checking, by reference to presentment of said license in said first and second different contexts, if there is potentially suspicious usage of said license; and

if so, alerting a party to said potentially suspicious usage.

12. The method of claim 11 wherein said party is a financial institution with which said person has an account.

13. A method comprising:

capturing information from a government-issued identification document for a person, when the document is presented at a first location;

reporting said capture to a remote data center; and

alerting the person concerning said presentment, the alerting including providing data identifying the first location.

14. The method of claim 13 that includes alerting by at least one of:

email, text messaging, or voice mail.

15. The method of claim 13 that includes collecting information concerning financial transactions relating to said person, and reporting said presentment with said collected information.

16. The method of claim 13 that includes aggregating information concerning financial transactions relating to said person from several parties, and reporting said presentment with said aggregated information.

17. The method of claim 13 that includes:

capturing information from said document when presented at a second location distinct from the first;

determining whether presentment of said document at the second location gives rise to suspicion, taking into account earlier presentment of the document at the first location; and

, if so;

reporting possible misuse of said document.

18. The method of claim 17 that includes reporting said possible misuse to an entity at the second location.