Identity risk scoring

US10049359B2 · kind B2 · utility

Assignee

• CHECKFREE CORPORATION · US

Inventors

• Paul J. Lyda · Powell, US
• Brett V. Borger · Lewis Center, US
• James Patrick McCabe · Marysville, US
• Roy Alan Southard · West Liberty, US
• Hans Daniel Dreyer · Pataskala, US

Key dates

• Filing date: Feb 9, 2015
• Grant date: Aug 14, 2018
• Expiry date: Oct 13, 2036

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q40/00
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

An identity risk score may be determined for subscribers of a service to indicate a level of confidence or certainty associated with a subscriber's identity. The identity risk score may be modified upward or downward in order to reflect changing levels of certainty. The changes may be based on transactions performed on behalf of and/or information submitted by the subscriber. Functionality provided to the subscriber may also be dependent upon whether the subscriber's identity risk score meets a threshold. In one or more arrangements, an identity risk score may be determined based on whether information entered by the subscriber can be confirmed and a level of confidence with which the information is confirmed.