System, Method and Computer Program Product for Assessing Risk of Identity Theft
AssigneeID Insight Incorporated
InventorsRobert T. Clark, Adam Elliott
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Abstract
In one embodiment, this invention analyzes demographic data that is associated with a specific street address when presented as an address change on an existing account or an address included on a new account application when that address is different from the reference address (e.g., a credit bureau type header data). The old or reference address and the new address, the new account application address or fulfillment address demographic attributes are gathered, analyzed, compared for divergence and scaled to reflect the relative fraud risk.
Claims21
A method for assessing a risk of fraud, comprising:
- receiving at least information relating to a first address relating to one of an account holder or an applicant;
- receiving information relating to a second address;
- and
- measuring demographic differences between the first and second addresses.
A method for assessing a risk of identity theft fraud with respect to new applications, comprising:
- receiving first address information relating to an applicant for an account;
- and
- using demographic data relating to the address information.
A method for assessing a risk of fraud, comprising:
- using demographic attributes of street addresses to predict the risk of fraud, wherein the act of using comprises analyzing differences between demographic attributes of the addresses.
-33. (canceled)
Dependencies are inferred from the claim text.