JP2007504560A - Method and system for preventing identity theft, detecting and assisting victims - Google Patents

Abstract

A method and system that provides comprehensive assistance to victims who deal with the aftermath of fraud due to identity theft. Identity theft prevention / detection services, combined with comprehensive victim assistance, restore confidence on all lending relationships, not just on the identity of victims of identity theft and on an individual transaction basis.
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Description

Priority claim

  This application claims priority based on US Provisional Patent Application No. 60 / 499,378, filed Sep. 3, 2003, which is incorporated herein by reference in its entirety.

  The present invention relates to a method and system for providing full support to victims suffering from theft of personal information theft. More specifically, and not in a limiting sense, the present invention relates to a method and system for performing a hybrid approach that provides a combination of personal information theft prevention / detection and victim assistance methods.

  Theft of personal information is to illegally use personal information such as name, address, social security number, date of birth, and mother's maiden name in order to establish or confirm trust in the name of another person. Theft of personal information is mainly expressed in two ways, one of which is fraudulent applications that attempt to create a new credit relationship using another person's personal information, and the second is the other person's personal information Using existing credit in the way to take over and account.

  Theft of personal information includes flooding of information (MMN, passwords, etc.) online and elsewhere, unauthorized access to credit bureau information, unauthorized sales of trusted sources (government agencies, employee conspiracy, etc.) , Fraudulent methods of obtaining information directly from customers, acquaintances / family members who routinely access victim's personal information, theft of information from unlocked mailboxes, and theft / purse or trash It occurs through various routes such as disposal information.

  The existing process of assistance provided to victims of identity theft is basically based on an individual creditor relationship with the victim by the institution (eg bank). . Thus, since there are several different systems (inside an institution, ie even between a bank's card business and banking departments), the victim can proceed to different organizations to restore his or her credit. Must. For example, a specific department of a bank must be contacted to close a specific account. Such victims are then routed to other departments for other accounts and further to the departments that assist the victims.

  Thus, there is a need for victim assistance methods and systems that not only restore victims' reputation and customer credit based on individual transaction lines, but also provide lending relationships based on them.

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  Reference will now be made in detail to one or more examples of embodiments of the invention as illustrated in the accompanying drawings. Each example is provided by way of explanation of the invention, not limitation of the invention. It will be apparent to those skilled in the art that various modifications and variations can be made without departing from the spirit and scope of the invention. For example, features illustrated or described in some embodiments may be used in other embodiments to yield additional embodiments. Thus, the present invention is intended to encompass the various modifications and changes described above that fall within the scope of the invention.

  One embodiment of the present invention relates to prevention of theft of personal information. Specifically, yet another embodiment relates to a preventive measure involving a free service product. This embodiment identifies suspicious account data changes that match industry data, such as known fraud display systems (KFIS) and other issuer clearing services (ICS) alerts. Such embodiments also have the ability to monitor internal collusion and to monitor suspicious applications and trading activities, as well as high-risk requirements, to identify potential dangers. This embodiment further confirms the interaction with the customer to ensure that it has been officially authenticated.

  Another embodiment of the invention relates to a preventive operation with a free-based product. This embodiment includes a method for sending a credit check report to a customer quarterly or semi-annually to help the customer confirm not only the specific financial institution but also the unauthenticated transaction. Such methods include generating authentic passwords for all accounts and encouraging customers to update all lending relationships with passwords. Furthermore, in the present embodiment, when changing account data (for example, an address), the customer is asked to confirm the change in order to ensure that it is formally authenticated. In other embodiments, the present invention ensures that any receipt application that has information that matches the applicant's data will be confirmed to the customer. In yet another embodiment, discounts are offered for preventive items (eg, shredders, locked mailboxes, etc.) that may help protect customers.

  In another embodiment of the present invention, a bank card detection action is provided for fraudulent applications. For example, postcards are sent to confirm suspicious applications; authentication detection strategies are used to detect out-of-pattern spending and payments, and active to potential victims to verify legitimate transactions The KFIS database records the incorrect address and phone number listed in the account; the manual report looks for a new account requesting a balance transfer check; Investigations will be conducted on accounts that have received conspiracy credit inquiry requests; and in order to bring criminals into prosecution, investigative information will be shared with investigators in connection with the investigation.

  In another embodiment of the present invention, a bank card detection action is performed for Account Take Over (ATO). For example, one embodiment performs incremental verification when a high-risk request is made for an account; an authentication detection strategy monitors high-risk ATO transactions; and a KFIS database Record the fake address and phone number that will be displayed on the account where you intend to run the ATO. The database then monitors the host system for any other account that changes to that address.

  Another embodiment of the present invention provides a report on high risk transactions (eg, card issuance requests involving address changes and card delivery to high risk areas or card delivery including delivery to another address in high risk areas). The same day card issuance request). In addition, customers suffering from ATO fraud flag their accounts to ensure that the agent handling the customer's next question knows that the customer is suffering from the ATO fraud. Embodiments also include internal collusion controls managed, such as through an internal investigation / fraud policy unit.

  Other embodiments of the present invention also include support for password prioritization, IP address acquisition, enhanced fraud variable TPR (PPR), and personal information theft control such as CBR Float alerts. Yes. Another embodiment includes, for example, personal label detection behavior for high-risk customer checks, which refers to storage applications that have a high rate of fraud based on historical details. Other embodiments include monitoring suspicious behavior in the FEW, such as the billing address and the shipping address are different.

  Yet another embodiment of the present invention provides a systematic evaluation of fraud scoring, thereby attempting to predict the likelihood of fraud for an application; new account processing system (NAPS) flow control With NAPS credentials provided by the customer; application details differ from agency details; California identity theft legislation for applications from California; suspicious databases, etc. A database looking for institutional variations; and a fraud victim statement where the applicant is called to the phone number provided to confirm the opening of the account.

  Embodiments of the present invention also include victim support actions. See FIG. Unauthenticated transactions, for example, are deleted from the institution and reporting is withheld. Telephone collection calls are immediately suspended and no further statements for that account will be issued. The credit inquiry organization is inquired as to whether the victim has reported the damage to each organization, and the card member's problem is investigated as an individual issue. It also asks if the victim has asked other creditors to close their accounts. Embodiments of the present invention also provide instructions to the victim to submit a damage report to the investigating agency in charge, provide the customer with a pamphlet regarding identity theft, if necessary, This also includes sending a letter to a mortgage company.

  In addition, embodiments of the present invention, upon receipt of a report from a customer, request an institution's report and have the customer confirm the transaction to see if there is an unauthorized one; to assist in claiming damage reports Have the customer contact the agency online; complete the documentation necessary to verify the damage report; and later send the information to the customer who signs the report and sends it to the agency. Sending has the following:

  Embodiments of the present invention further comprise the act of acting on behalf of the customer and / or providing assistance to the customer so that they can recover from the identity theft incident. In another embodiment of the present invention, a new account is first opened and the victim obtains his new card as a fast card within 24 hours for verification and tracking and follow-up. Is done. Obtain information from a customer to help complete a general oath, revealing that he is a victim of identity theft. The oath is sent to the customer via facsimile, e-mail, or although not preferred, normal mail to be sent to the creditor after the customer signs it.

  In order to determine which transactions are unauthenticated or failed, credit bureau reports are ordered online by customers so that inquiries and transactions at these institutions can be verified. Next, file a damage report with these agencies and contact a credit bureau to clarify which case is at issue. By acting with the customer, the creditor is contacted to close the damaged account or to correct the problem. In addition, communications to creditors are issued to indicate that the customer has reported the damage of identity theft.

  In other embodiments of the invention, if it is determined that additional credits are required, a valid account is opened, or an account through which credit is provided upon customer request is opened. Then, for example, a confirmation for increasing the credit line is executed. In some embodiments, for example, to re-check the investigator's report for new inquiries or unauthenticated or problematic transactions, contact the customer again within 30 days to follow up. Scheduled. In some cases, activity may continue to be monitored. For example, the monitoring period may range from 90 days to 6 months, for example, until the problem is completely resolved.

  Yet another embodiment of the present invention includes providing information that allows a customer to contact an unauthorized creditor and request that the damaged account be closed. Upon approval from the creditor, the above general oath is completed and sent to the customer for signature. The customer then sends this oath to other creditors as needed. The customer then sends this to an agent who forwards it to all investigators. In addition, customers send oaths to other creditors as needed.

  Other embodiments of the present invention include the steps of meeting with on-site survey staff to summarize the key questions of typical questions used in investigation reports and document them for the customer. This completes the question and sends this information to the customer. The customer then submits this information to the appropriate investigative agency. Another embodiment includes sending to customers for document preparation and review and submission for appropriate government agencies (eg, Federal Trade Commission, Social Security Agency, etc.).

  In application for account takeover and limited fraud purposes, embodiments of the present invention collaborate with customers to determine whether credit expansion should be performed to cover the necessary trading activities during the research period. Includes steps. In addition, potential credit expansion opportunities for information theft victims are outlined by the monetary policy unit.

  If the customer has applied for a loan, embodiments of the present invention report information theft to the lender, inform the creditor that the creditor is currently investigating the claim, and provide a letter written to the lender. Agents on individual issues will actively contact the victims to explain the actions taken on the account. A written explanation of the action is also given to assist the victim. Unauthenticated transactions will continue to be removed from the institution's report, will not appear in the institution's report, and telephone collection and statements will be suspended. At the next billing, the account will be re-queued again and the customer will be contacted to confirm the transaction activity. At the end of the investigation, the final conclusion is communicated to the customer. Since identity theft cases are often caused by family members and acquaintances, customers can be helped regardless of how the identity theft occurred.

  Another embodiment of the invention comprises the step of building a dedicated unit for receiving a phone call about the identity theft program service. Such units have access to all card platforms. A particular account is assigned to a specialized unit where a full-time person is appointed and works with the victim. This provides the ability to recover from shocking incidents and allows the creation of a human relationship between the victim and the service agent. Furthermore, this can minimize the need for the customer to repeatedly explain their situation. Embodiments of the present invention also include providing a personal information theft welcome kit to the customer during initial registration. This includes an Internet link and a checklist of actions to be taken to minimize the risk of identity theft. A phone number is also included, which calls when personal information is deemed stolen.

  Here, the embodiments of the present invention for achieving the above-described object have been described. It will be understood that these examples are merely examples of the invention. It will be apparent to those skilled in the art that various modifications and variations can be made.

FIG. 1 shows the flow of an anti-theft process according to an embodiment of the present invention. FIG. 2 shows the flow of a victim support process according to an embodiment of the present invention.

Claims (1)

Electronically monitoring at least one account associated with the customer for potential fraud;
Identifying potential fraudulent activity based on the indication of one or more frauds;
Confirming the fraudulent behavior with the customer;
Automatically storing information about the account and fraud in a database;
Assisting the customer to deal with the fraud;
A method characterized by comprising:

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