Strategy-driven methodology for reducing identity theft

• US 7,761,384 B2
• Filed: 03/16/2006
• Issued: 07/20/2010
• Est. Priority Date: 03/16/2006
• Status: Active Grant

• Current Assignee: Sushil Madhogarhia
• Original Assignee: Sushil Madhogarhia
• Inventors: Madhogarhia, Sushil
• Primary Examiner(s): Trammell, James P
• Assistant Examiner(s): Shaikh, Mohammad Z
• Application Number:
  US11/377,799
• Publication Number:
  US 20070219928A1
• Time in Patent Office: 1,587 Days
• Field of Search: 705/75
• US Class Current: 705/75
• CPC Class Codes: G06F 21/32 using biometric data, e.g. fingerprints, iris scans or voiceprints
• CPC Class Codes: G06F 21/34 involving the use of external additional devices, e.g. dongles or smart cards
• 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 20/401 Transaction verification
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G07C 9/33 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

Abstract

A strategy-driven methodology for reducing identity theft comprises the steps of attempting to gain system access, and presenting at least one list of user choices instead of granting system access, as practiced conventionally. The presented list contains at least one choice that is preset by a registered user. Other steps include selecting at least one choice from the presented list, and granting system access if the selected choice matches the preset choice.

Claims

1. A strategy-driven methodology for reducing identity theft, comprising the steps of:

gaining system access to a device;

presenting at least one list of user choices instead of granting system access, said at least one list containing at least one choice that is preset by a registered user;

selecting at least one choice from said at least one list, wherein each of said associated lists of responses contain dynamic statement responses, said dynamic statement response includes one or more attributes;

electronically changing said attributes based on a user defined preset rule

and granting system access if said at least one selected choice matches said at least one preset choice.

2. The strategy-driven methodology of claim 1, wherein said at least one preset choice is in the form of a dynamic statement.

3. The strategy-driven methodology of claim 1, wherein said at least one preset choice is in the form of a static statement.

4. The strategy-driven methodology of claim 1, wherein said at least one presented list contains dynamic and static user choices.

29. The strategy-driven methodology of claim 1, further comprising the step of declining system access if said at least one choice selected in a random fashion.

30. The strategy-driven methodology of claim 1, further comprising the step of declining system access if said at least one choice is being selected in an organized fashion.

5. A strategy driven-methodology for reducing identity theft, comprising the steps of:

inputting a system password;

checking the input password for accuracy;

inputting a response to at least one system query preset by a registered user if the input password is accurate, wherein the response contains a dynamic statement response, said dynamic statement response includes one or more attributes;

electronically changing said attributes based on a user defined preset rule;

checking the input response for accuracy; and

granting access to the secure system website if the input response to said at least one preset system query is accurate.

6. The strategy-driven methodology of claim 5, further comprising the step of notifying the registered user of system access.

7. The strategy-driven methodology of claim 5, further comprising the step of inputting a new password if the input password is not accurate.

8. The methodology of claim 5, further comprising the step of denying system access if the input response to said at least one preset system query is inaccurate.

9. A strategy-driven methodology for reducing identity theft, comprising the steps of:

operatively coupling a computer to a secure system website over a network;

inputting a system password via said computer;

checking the input system password for accuracy;

selecting at least one choice from one system query, wherein, at least one system query contains a choice that is preset by a registered user and said system query contains both dynamic and static user choices;

inputting a response to at least one system query preset by a registered user, if the input system password is accurate;

wherein the response contains a dynamic statement response, said dynamic statement response includes one or more attributes;

electronically changing said attributes based on a user defined preset rule;

checking the input response for accuracy; and

granting access to the secure system website if the input response to said at least one preset system query is accurate.

10. The strategy-driven methodology of claim 9, wherein the network is public.

11. The strategy-driven methodology of claim 9, wherein the network is private.

12. A strategy-driven methodology for reducing identity theft, comprising the steps of:

inputting a user name as part of a system login sequence;

checking the input user name for accuracy;

inputting a system password if the input user name is accurate;

checking whether the input system password is correct;

if the input system password is correct, presenting at least one list of user choices from an option list, instead of granting system access, said at least one list containing at least one choice that is preset by a registered user;

selecting at least one choice from an option list preset by a registered user wherein each option list contain dynamic statement responses, said dynamic statement response includes one or more attributes;

electronically changing said attributes based on a user defined preset rule

checking said at least one selected choice for accuracy; and

granting system access if said at least one selected choice from said preset option list is accurate.

13. The strategy-driven methodology of claim 12, further comprising the step of notifying the registered user of system access.

14. The strategy-driven methodology of claim 12, further comprising the step of denying system access if said at least one selected choice from said preset option list is inaccurate.

15. The strategy-driven methodology of claim 12, wherein said option list contains dynamic user choices.

16. The strategy-driven methodology of claim 12, wherein said option list contains static user choices.

17. The strategy-driven methodology of claim 12, wherein said option list contains dynamic and static user choices.

18. A secure system access method, said method comprising the steps of:

selecting at least one question from a system list of questions, each question from said system list being presented with an associated list of responses, each of said responses and questions being respectively preset by an authorized user;

selecting at least one response from a list of responses to said at least one question, wherein each of said associated list of responses contain dynamic statement response, said dynamic statement response includes one or more attributes;

electronically changing said attributes based on a user defined preset rule;

checking said at least one selected response for accuracy;

and granting system access if said at least one selected response is accurate.

19. The secure system access method of claim 18, further comprising the step of notifying the authorized user of the granted system access.

20. The secure system access method of claim 18, further comprising the step of denying system access if said at least one selected response is inaccurate.

21. The secure system access method of claim 20, further comprising the step of verifying the system user.

22. The secure system access method of claim 20, further comprising the step of notifying the authorized user of the attempted system access.

23. The secure system access method of claim 18, wherein said system list of questions contains dynamic entries.

24. The secure system access method of claim 18, wherein said system list of questions contains static entries.

25. The secure system access method of claim 18, wherein said system list of questions contains dynamic and static entries.

26. The secure system access method of claim 18, wherein each of said associated lists of responses contains dynamic entries.

27. The secure system access method of claim 18, wherein each of said associated lists of responses contains static entries.

28. The secure system access method of claim 18, wherein each of said associated lists of responses contains dynamic and static entries.