System and method for identity verification and management

a technology of identity theft and identity verification, applied in the field of identity theft protection systems, can solve the problems of identity risk factor and the level of identity theft risk of the user, and achieve the effect of increasing the identity confidence factor of the user and increasing the length of time in which the identity of the user is legitimately used

Inactive Publication Date: 2012-11-15
ATEF FARSHEED +1
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Benefits of technology

This approach significantly reduces the risk of identity theft by providing secure and controlled access to personal and financial information, allowing users to manage their identity and restrict its use, thereby minimizing exposure to fraudulent activities.

Problems solved by technology

The identity risk factor can be associated with a level of risk of theft of the identity of the user by identity thieves.

Method used

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  • System and method for identity verification and management
  • System and method for identity verification and management
  • System and method for identity verification and management

Examples

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Embodiment Construction

[0055]Exemplary embodiments of the present invention are directed to a system and method for identity verification and management. According to exemplary embodiments, the identity of an individual or entity (collectively, a “user”) is first verified. One or more sources of identification are supplied by the user, with each source of identification being verified and given an individual identity value or score based on, for example, the level of reliability or authenticity of the identification source. The identity of the user is then evaluated based on the total of the identity scores. A total identification score is assigned to the user. Once the identity of the user is verified, the user can manage its identity using the identity management system of the present invention.

[0056]The identity management system according to exemplary embodiments can, for example, provide authorization to certain organizations to supply services to the user for a period of time. For example, each time...

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Abstract

A system for verifying the identity of a user includes an identification score assignment module configured to receive at least one source of identification of the user and to assign an identification score to each of the at least one source of identification. The system includes a total identification score generation module, in communication with the identification score assignment module, configured to generate a total identification score of the user from the identification scores of each of the at least one source of identification and a predetermined function. The total identification score of the user is associated with a level of verification of the identity of the user, and compared to a minimum identification score associated with a transaction. The transaction is performed when the total identification score of the user is greater than or equal to the minimum identification score.

Description

[0001]This application is a continuation of U.S. patent application Ser. No. 11 / 295,516, filed on Dec. 7, 2005, which claims priority under 35 U.S.C. §119(e) to U.S. Provisional Application No. 60 / 633,419, filed on Dec. 7, 2004, and to U.S. Provisional Application No. 60 / 697,991, filed on Jun. 12, 2005, the entire contents of each of which are hereby incorporated by reference herein.BACKGROUND[0002]1. Field of the Invention[0003]The present invention relates to identity theft protection systems. More particularly, the present invention relates to a system and method for identity verification and management.[0004]2. Background Information[0005]Identity theft is considered one of the fastest growing crimes in the United States. For example, between 2002 and 2003, the number of reported cases of identity theft grew 80 percent. In 2002 alone, nearly ten million cases of identify theft were reported. Nearly one in 8 United States adults have fallen victim to identity theft in the last fi...

Claims

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Application Information

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Patent Type & AuthorityApplications(United States)
IPC IPC(8): G06Q20/40G06Q20/34G06Q20/38
CPCG06F21/31H04L63/18G06F21/40G06F21/6245G06F2221/2101G06F2221/2111G06F2221/2113G06F2221/2115G06F2221/2119G06Q20/341G06Q20/382G06Q20/401G06Q20/4014G06Q20/40145G07C9/00039G07F7/1008G10L17/10H04L63/126G06F21/34G07C9/23G06Q20/4015
InventorATEF, FARSHEEDDABIRIAN, AMIR
OwnerATEF FARSHEED