Method and System for Preventing and Detecting Identity Theft
AssigneeIntersections, Inc.
InventorsMark Andringa, Lisa Glau, Jonathan Slaton
Life of this patent
Estimating the term…
Abstract
A system, method and computer program product for receiving information relating to a financial account of an individual from at least one first data provider; receiving information relating to at least one of an identity theft expense reimbursement insurance policy of the individual, a public information relating to the individual, an identity theft risk score of the individual, a credit card registry of the individual, a backup data relating to the individual, a background information of the individual, and a business report relating to the individual, from at least one second data provider; and preparing a report relating to the individual's identity theft based on the information.
Claims21
1-19. (canceled)
A computer-implemented method comprising:
- receiving, by a first computing system as sent from a first data provider, financial information relating to a user of a second computing system;
- receiving, by the first computing system as sent from a public information data provider, public information relating to the user;
- and
- preparing, by the first computing system, a report relating to a risk threshold of the user based on the received financial information and the received public information,
- wherein the public information comprises notifications of at least one of additions, deletions, or changes to the public information relating to the user, and
- wherein at least one of the notifications causes the first computing system to send an alert to the second computing system identifying a transaction that satisfies a threshold.
A computer-implemented method comprising:
- receiving, by a first computing system as sent from a first data provider, credit information relating to a user of a second computing system;
- receiving, by the first computing system as sent from a public information data provider, public information relating to the user;
- and
- preparing, by the first computing system, a report relating to a risk threshold of the user based on the received credit information and the received public information,
- wherein the public information comprises notifications of additions, deletions, or changes to the public information relating to the user, and
- wherein at least one of the notifications of additions, deletions, or changes to the public information relating to the user causes the second computing system to send an alert to the first computing system indicating a transaction affecting the user that requires attention.
A system comprising:
- at least one first data provider configured to provide information regarding a financial account of a user of a first computing system, the first data provider comprising at least one of a direct deposit account (DDA) account credit report, a DDA account credit monitoring and notification, a brokerage account monitoring and notification, and a credit card transaction activity monitoring and notification;
- at least one second data provider configured to provide information regarding credit information relating to the user;
- at least one public information data provider configured to provide public information relating to the user, the public information data provider comprising at least one of a public record report provider, a public record monitoring and notification provider, an internet monitoring or notification provider, or a business report provider;
- and
- a second computing system with a processor, the second computing system being further configured to:
- provide, to the first computing system, a list of data providers, the list of data providers including one or more first data providers, second data providers, and public information data providers;
- receive, from the first computing system, a selection of one of the listed first data providers, a selection of one of the listed second data providers, or a selection of one of the listed public information data providers;
- receive, relating to the user, financial information, credit information, and public information;
- monitor at least one of the data providers;
- and
- prepare a report relating to risk thresholds of the user.
Dependencies are inferred from the claim text.