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US 2011/0087574 A1Published application
Method and apparatus for identity theft prevention
OwnerScott J. Loftesness, Carol C. Bensoninventors
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Abstract
A system and method issues a credit card or other credit instrument to a user by first obtaining authorization and authentication from the user.
Claims20
A method for preventing an unauthorized issuance of a credit instrument, the method comprising:
- associating by a first party a means of communication with an identifier of a user;
- providing from a second party to the first party the identifier of the user responsive to the second party attempting to have issued the credit instrument to that user;
- contacting the user by the second party responsive to the providing step;
- authenticating the user responsive to the contact;
- receiving from the user an indication of whether the user assents to the issuance of the credit instrument;
- and
- issuing the credit instrument responsive to the authentication and the indication of assent.
4 more elements
A method comprising:
- receiving information regarding an application for the issuance of a payment instrument along with a consumer identifier;
- determining, by a computer system, if the consumer identifier matches a stored consumer identifier;
- and
- sending an alert to a consumer associated with the consumer identifier after determining, by the computer system, if the consumer identifier matches the stored consumer identifier.
1 more element
A computer system comprising a processor and a computer readable medium coupled to the processor, the computer readable medium comprising code, executable by the processor to implement a method comprising:
- receiving information regarding an application for the issuance of a payment instrument along with a consumer identifier;
- determining if the consumer identifier matches a stored consumer identifier;
- and
- sending an alert to a consumer associated with the consumer identifier after determining if the consumer identifier matches a stored consumer identifier.
1 more element
Dependencies are inferred from the claim text.