Authentication alerts

• US 9,665,854 B1
• Filed: 06/15/2012
• Issued: 05/30/2017
• Est. Priority Date: 06/16/2011
• Status: Active Grant

• Current Assignee: Consumerinfo.com Incorporated (Experian plc)
• Original Assignee: Consumerinfo.com Incorporated (Experian plc)
• Inventors: Yu, Nelson, Burger, Michael, Dean, Michael John, Kapczynski, Mark Joseph
• Primary Examiner(s): Ojiaku, Chika
• Application Number:
  US13/524,920
• Time in Patent Office: 1,810 Days
• Field of Search: 705 35- 45
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/4037 Remote solvency checks
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof
• CPC Class Codes: H04L 67/55 Push-based network services
• CPC Class Codes: H04M 1/72436 for text messaging, e.g. short messaging services [SMS] or e-mails
• CPC Class Codes: H04M 1/72448 with means for adapting the functionality of the device according to specific conditions
• CPC Class Codes: H04M 1/72484 wherein functions are triggered by incoming communication events

Abstract

Methods and systems are provided for generating alerts in association with a request to open an account for an individual. For example, information identifying an individual may be received from a financial entity in association with the financial entity receiving a request to open an account for the individual from a requesting entity. The requesting entity may be a vendor or service provider associated with the financial entity. An electronic notification may then be sent to the individual, which may include a selectable option to indicate that the individual does not authorize opening of the account. In response to receiving an indication that the individual does not authorize opening of the account, notifications may be sent to both the financial entity and the requesting entity indicating that the individual has not authorized opening of the account.

Claims

1. A computing system, associated with one or more authentication providers, for providing alerts associated with a financial account opening transaction, the system comprising:

a data store that stores contact information associated with one or more individuals enrolled in a monitoring service; and

a computing device, comprising at least one physical processor, that is in communication with the data store and that configured to;

receive by the computing device, from an authentication provider associated with the computing system, information identifying an individual for whom the authentication provider has received an authentication request from a financial entity, wherein the information identifying the individual is received in association with the financial entity receiving a request from a requesting entity, the requesting entity receiving the information in real time from a person alleging to be the individual, wherein the request is to open a financial account for the individual, wherein the requesting entity comprises a vendor or service provider or retailer having a location or place of business for which the financial entity maintains financial accounts, wherein the received information includes a vendor identifier identifying the requesting entity and wherein the person alleging to be the individual is present in real time at the location or place of business;

match, by the computing device, information stored in the data store with the information identifying the individual received in association with the authentication request;

retrieve, by the computing device, contact information associated with the individual from the data store, wherein the retrieved contact information includes at least one of a phone number or an IP address associated with a mobile device of the individual, wherein the contact information is retrieved based at least in part by the matching of the information stored in the data store with the information identifying the individual received in association with the authentication request;

retrieve, by the computing device, vendor contact information associated with the requesting entity based on the vendor identifier received from the financial entity;

send, from the computing device, an electronic notification to the mobile device of the individual based at least in part on the retrieved contact information, wherein the electronic notification provides notification to the individual that an authentication request was received regarding the individual and includes at least a vendor name from the retrieved vendor contact information, wherein the electronic notification is provided as a push alert delivered via an application executed on the mobile device, wherein the electronic notification provides the individual with a selectable option to indicate that the individual does not authorize opening of the financial account;

wherein sending the electronic notification as the push alert causes the mobile device to launch the application executed on the mobile device, wherein the application causes display of the vendor name and the selectable option to indicate that the individual does not authorize opening of the financial account;

receive, by the computing device, an indication that the individual has indicated that the individual does not authorize opening of the financial account using the selectable option in the electronic notification; and

in response to receiving the indication, substantially in real time after receiving the indication, and substantially while the person is still at the location or place of business;

providing, from the computing device, a first notification to the financial entity indicating that the individual has not authorized opening of the financial account; and

providing, from the computing device, a second notification to the requesting entity indicating fraudulent use of identity information of the individual in association with the authentication request, wherein the second notification is provided based at least in part on the retrieved vendor contact information.

2. The computing system of claim 1, wherein the computing system is further operative to determine the requesting entity based at least in part on the financial entity.

3. The computing system of claim 2, wherein the requesting entity is determined based at least in part by retrieving data that associates the financial entity with one or more vendors or service providers associated with the financial entity.

4. The computing system of claim 1, wherein the financial account for the individual comprises a credit account.

5. The computing system of claim 1, wherein the financial entity comprises a financial institution that maintains credit accounts for a plurality of individuals on behalf of one or more vendors.

6. The computing system of claim 1, wherein the computing system is further operative to provide a default notification of approval or denial to the requesting entity when the individual does not respond to the electronic notification within a certain time period.

7. The computing system of claim 1, wherein providing the second notification to the requesting entity comprises transmitting the second notification to a POS terminal within a retail store.

8. A computer-implemented method comprising:

receiving, by one or more computing devices that are configured with specific executable instructions and that are associated with an authentication provider, information identifying an individual for whom the authentication provider has received an authentication request from a financial entity, wherein the information identifying the individual is received in association with the financial entity receiving a request from a requesting entity, the requesting entity receiving the information in real time from a person alleging to be the individual, wherein the request is to open a financial account for the individual, wherein the requesting entity comprises a vendor or service provider or retailer having a location or place of business for which the financial entity maintains financial accounts, wherein the received information includes a vendor identifier identifying the requesting entity and wherein the person alleging to be the individual is present in real time at the location or place of business;

matching, by the one or more computing devices, information stored in the data store with the information identifying the individual received in association with the authentication request;

retrieving, by the one or more computing devices associated with the authentication provider, contact information associated with the individual from a data store, wherein the retrieved contact information includes a phone number associated with a mobile device of the individual, wherein the contact information is retrieved based at least in part by the matching of the information stored in the data store with the information identifying the individual received in association with the authentication request;

retrieving, by the one or more computing devices associated with the authentication provider, vendor contact information associated with the requesting entity based on the vendor identifier received from the financial entity;

sending, by the one or more computing devices associated with the authentication provider, an electronic notification to the mobile device of the individual based at least in part on the retrieved contact information, wherein the electronic notification provides notification to the individual that an authentication request was received regarding the individual and includes at least a vendor name from the retrieved vendor contact information, wherein the electronic notification is provided as one of (a) a push alert delivered via an application executed on the mobile device or (b) a text message sent to the phone number associated with the mobile device, wherein the electronic notification provides the individual with a selectable option to indicate that the individual does not authorize opening of the financial account;

receiving, by the one or more computing devices associated with the authentication provider, an indication that the individual has indicated that the individual does not authorize opening of the financial account using the selectable option in the electronic notification; and

in response to receiving the indication, substantially in real time after receiving the indication, and substantially while the person is still at the location or place of business;

providing, by the one or more computing devices associated with the authentication provider, a first notification to the financial entity indicating that the individual has not authorized opening of the financial account; and

providing, by the one or more computing devices associated with the authentication provider, a second notification to the requesting entity indicating fraudulent use of identity information of the individual in association with the authentication request, wherein the second notification is provided based at least in part on the retrieved vendor contact information.

9. The computer-implemented method of claim 8, wherein providing the second notification to the requesting entity comprises sending an electronic message.

10. The computer-implemented method of claim 8, wherein providing the second notification to the requesting entity comprises automatically placing a phone call.

11. The computer-implemented method of claim 8, further comprising determining the requesting entity based at least in part on the financial entity.

12. The computer-implemented method of claim 11, wherein the requesting entity is determined based at least in part by retrieving data that associates the financial entity with one or more vendors or service providers associated with the financial entity.

13. The computer-implemented method of claim 8, wherein the electronic notification is sent to the individual based at least in part on a determination that the individual is enrolled in a notification service.