# US 2018/0322572 A1 · Systems and Methods for Improving Computation Efficiency in the Detection of Fraud Indicators for Loans

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- Number: US 2018/0322572 A1
- Document ID: US20180322572A1
- Status: Published application
- Kind: A1
- Application number: 16/033,581
- Filed: 2018-07-12
- Published: 2018-11-08
- Earliest claimed: 2012-07-03
- Assignees: LexisNexis Risk Solutions FL Inc.
- Applicants: LexisNexis Risk Solutions FL Inc.
- Inventors: Scott M. Straub; Samantha Gwinn; Cindy Loizzo; Alex Woo Song; Marlene L. Thorogood; Cheri Gay Nevin; Eric Piner
- Web page: https://patentgrep.com/patent/US20180322572A1

## CPC

- G06Q 40/03: Credit; Loans; Processing thereof
- G06Q 50/265: {Personal security, identity or safety}
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR

## Abstract

Certain embodiments of the disclosed technology include systems and methods for increasing efficiency in the detection of identity-based fraud indicators associated with a loan application. A method is provided that includes receiving applicant data associated with a loan application having a plurality of applicants. The application data includes at least a name, a social security number, and a street address for each of the plurality of applicants. The method includes querying one or more databases with the applicant data; receiving a plurality of independent information in response to the querying; determining a validity indication of the applicant data; creating disambiguated applicant records; determining relationships among the disambiguated applicant records; scoring at least one parameter of the applicant data; determining one or more indicators of fraud based on the scoring; and outputting, for display, one or more indicators of fraud.

## Claims

### Claim 1

A computer-implemented method comprising:
receiving, from a first information source, applicant data associated with a loan application associated with an applicant, wherein the applicant data comprises at least a name, a social security number, and a street address of the applicant;
querying one or more of a public database and a private database with at least a portion of the applicant data;
receiving, from a second information source that is independent of the first information source, independent information in response to the querying;
determining, with one or more computer processors in communication with a memory, based at least in part on a comparison of the applicant data with at least a portion of the independent information, a first validity indication of the applicant data;
creating, with the one or more computer processors, disambiguated applicant records responsive to the first validity indication by one or more of:
performing data cleansing on one or more of the applicant data and the independent information to eliminate one or more name variations; and
adding metadata record to one or more of the applicant data and the independent information;
determining, with the one or more computer processors, relationships among the disambiguated applicant records by one or more of:
creating a core join data structure with at least a portion of all available disambiguated applicant records;
splitting the core join data structure into persisted parts; and
clustering one or more of the persisted parts and the disambiguated applicant records;
scoring, with the one or more computer processors and based at least in part on the determined relationships among the disambiguated applicant records, at least one parameter of the applicant data;
determining, with the one or more computer processors, one or more indicators of fraud based on the scoring of the at least one parameter; and
outputting, for display, one or more indicators of fraud.

### Claim 2 (depends on 1)

The method of claim 1, wherein the independent information includes identification information identifying one or more relatives or associates of the applicant, and wherein the at least one parameter of the applicant data comprises a distance between the street address of the applicant and a street address of the one or more relatives or associates of the applicant.

### Claim 3 (depends on 1)

The method of claim 1, wherein the at least one parameter of the applicant data comprises a record linking the applicant's social security number with one or more street addresses of one or more relatives or associates of the applicant.

### Claim 4 (depends on 1)

The method of claim 1, wherein the at least one parameter of the applicant data comprises social security numbers associated with street addresses of one or more relatives or associates of the applicant.

### Claim 5 (depends on 1)

The method of claim 1, wherein the at least one parameter of the applicant data comprises sources reporting matching social security numbers and names corresponding to the applicant data received from the first information source.

### Claim 6 (depends on 1)

The method of claim 1, wherein the at least one parameter of the applicant data comprises one or more other entities associated with the social security number of the applicant.

### Claim 7 (depends on 1)

The method of claim 1, wherein the independent information is not provided by the first information source.

### Claim 8 (depends on 1)

The method of claim 1, wherein determining the first validity indication of the applicant data further comprises determining one or more of: whether the applicant is deceased; whether the applicant is currently incarcerated; whether the applicant has an incarceration record; time since incarceration if the applicant has an incarceration record; and whether the applicant has been involved in a bankruptcy.

### Claim 9 (depends on 1)

The method of claim 1, wherein the independent information includes one or more of: an indication of whether or not the applicant is deceased; a date of death when the applicant is indicated as deceased; independent address information associated with the applicant; address validity information associated with the applicant data; one or more records associated with the applicant data; and no information.

### Claim 10 (depends on 1)

The method of claim 1, wherein receiving the independent information comprises receiving one or more of: housing records, vehicular records, marriage records, divorce records, hospital records, death records, court records, property records, incarceration records, tax records, and utility records, wherein the utility records comprise one or more of utility hookups, disconnects, and associated service addresses.

### Claim 11 (depends on 1)

The method of claim 1, wherein receiving the independent information comprises receiving one or more physical addresses of relatives or associates of the applicant.

### Claim 12 (depends on 1)

The method of claim 1, wherein the one or more public or private databases are independent of a government agency.

### Claim 13

A system comprising:
at least one memory for storing data and computer-executable instructions; and
at least one processor configured to access the at least one memory and further configured to execute the computer-executable instructions to:
receive, from a first information source, applicant data associated with a loan application associated with an applicant, wherein the applicant data comprises at least a name, a social security number, and a street address of the applicant;
query one or more of a public database and a private database with at least a portion of the applicant data;
receive, from a second information source that is independent of the first information source, independent information in response to the querying;
determine, with the at least one processor, based at least in part on a comparison of the applicant data with at least a portion of the independent information, a first validity indication of the applicant data;
create, with the at least one processor, disambiguated applicant records responsive to the first validity indication by one or more of:
performing data cleansing on one or more of the applicant data and the independent information to eliminate one or more name variations; and
adding metadata record to one or more of the applicant data and the independent information;
determine, with the at least one processor, relationships among the disambiguated applicant records by one or more of:
creating a core join data structure with at least a portion of all available disambiguated applicant records;
splitting the core join data structure into persisted parts; and
clustering one or more of the persisted parts and the disambiguated applicant records;
score, with the at least one processor and based at least in part on the determined relationships among the disambiguated applicant records, at least one parameter of the applicant data;
determine, with the one or more computer processors, one or more indicators of fraud based on the score of the at least one parameter; and
output, for display, one or more indicators of fraud.

### Claim 14 (depends on 13)

The system of claim 13, wherein the independent information includes identification information identifying one or more relatives or associates of the applicant, and wherein the at least one parameter of the applicant data comprises one or more of:
a distance between the applicant's street address and a street address of the one or more relatives or associates of the applicant;
one or more social security numbers associated with respective one or more relatives or associates of the applicant;
one or more social security numbers associated with street addresses corresponding to respective relatives or associates of the applicant;
sources reporting matching social security numbers and names corresponding to the applicant data received from the first information source; and
identification information of other entities associated with the social security number of the applicant.

### Claim 15 (depends on 13)

The system of claim 13, wherein the independent information is not provided by the first information source.

### Claim 16 (depends on 13)

The system of claim 13, wherein the first validity indication of the applicant data includes a determination of: whether the applicant is deceased; whether the applicant is currently incarcerated; whether the applicant has an incarceration record; time since incarceration if the applicant has an incarceration record; and whether the applicant has been involved in a bankruptcy.

### Claim 17 (depends on 13)

The system of claim 13, wherein the independent information includes one or more of housing records, vehicular records, marriage records, divorce records, hospital records, death records, court records, property records, incarceration records, tax records, and utility records, wherein the utility records comprise one or more of utility hookups, disconnects, and associated service addresses.

### Claim 18 (depends on 13)

The system of claim 13, wherein the independent information includes one or more of: an indication of whether or not the applicant is deceased; a date of death when the applicant is indicated as deceased; independent address information associated with the applicant; address validity information associated with the applicant data; one or more records associated with the applicant data; and no information.

### Claim 19 (depends on 13)

The system of claim 13, wherein the independent information comprises one or more physical addresses of relatives or associates of the applicant.

### Claim 20

One or more computer readable media comprising computer-executable instructions that, when executed by one or more processors, configure the one or more processors to perform the method of:
receiving, from a first information source, applicant data associated with a loan application associated with an applicant, wherein the applicant data comprises at least a name, a social security number, and a street address of the applicant;
querying one or more of a public database and a private database with at least a portion of the applicant data;
receiving, from a second information source that is independent of the first information source, independent information in response to the querying;
determining, with one or more computer processors in communication with a memory, based at least in part on a comparison of the applicant data with at least a portion of the independent information, a first validity indication of the applicant data;
creating, with the one or more computer processors, disambiguated applicant records responsive to the first validity indication by one or more of:
performing data cleansing on one or more of the applicant data and the independent information to eliminate one or more name variations; and
adding metadata record to one or more of the applicant data and the independent information;
determining, with the one or more computer processors, relationships among the disambiguated applicant records by one or more of:
creating a core join data structure with at least a portion of all available disambiguated applicant records;
splitting the core join data structure into persisted parts; and
clustering one or more of the persisted parts and the disambiguated applicant records;
scoring, with the one or more computer processors and based at least in part on the determined relationships among the disambiguated applicant records, at least one parameter of the applicant data;
determining, with the one or more computer processors, one or more indicators of fraud based on the scoring of the at least one parameter; and
outputting, for display, one or more indicators of fraud.