US2014040155A1PendingUtilityA1

System and method for mobile identity protection of a user of multiple computer applications, networks or devices using a wireless device

63
Individually held — no corporate assignee on recordPriority: Feb 12, 2008Filed: Oct 15, 2013Published: Feb 6, 2014
Est. expiryFeb 12, 2028(~1.6 yrs left)· nominal 20-yr term from priority
Inventors:Michael BuhrmannRandall A. SnyderCharles L. DennisRobert C. BoxbergerWilliam M. Ferguson
G06Q 20/4016G06F 21/60G06Q 40/02G06F 21/35H04W 12/126H04W 88/02G06Q 50/265G06Q 40/12G06Q 10/10G06Q 20/4014H04W 4/02G06Q 40/00H04W 12/63
63
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Claims

Abstract

An automated system and method for authenticating entities or individuals engaging in automated or electronic transactions or activities such as financial transactions, accessing computer applications, computer software, data networks or other automated or electronic devices requiring identity verification is provided. A unique Personal Identity Value is computed and stored in an Identity Register for the entity or individual and may be used for a variety of applications including recognizing incidents of identity theft. This Personal Identity Value is based on one or more computer logic resources that incorporate the relationship among a variety of identification information elements and parameters associated with the entity or individual, such as the entity's or individual's wireless device location, the entity's or individual's home location, other associated locations, automated activities engaged in and applications accessed.

Claims

exact text as granted — not AI-modified
What is claimed is: 
     
         1 . A method for detecting identity theft of an entity based on an entity's wireless device location obtained from a wireless network, comprising:
 obtaining data regarding an automated transaction or activity from a data network;   obtaining a unique identifier representing an entity;   obtaining the location of an automated transaction or activity;   obtaining the entity's wireless device location from a wireless network; and   generating a personal identity value based on the transaction or activity event data, the location of the transaction or activity event, the location of the entity's wireless device and the time the location of the entity's wireless device was obtained.   
     
     
         2 . The method for detecting identity theft according to  claim 1 , wherein, a database is employed associating the personal identity value with a unique identifier of the entity. 
     
     
         3 . The method for detecting identity theft according to  claim 1 , wherein, a database is employed associating a personal identity value with a mobile directory number. 
     
     
         4 . The method for detecting identity theft according to  claim 1 , wherein, a database is employed associating a personal identity value with a transaction or activity engaged in by an entity. 
     
     
         5 . The method for detecting identity theft according to  claim 1 , wherein, a database is employed associating a personal identity value with multiple applications for which a transaction or activity may be engaged in by an entity. 
     
     
         6 . The method for detecting identity theft according to  claim 1 , wherein, a database is employed associating a personal identity value with a geographic place associated with a wireless device location. 
     
     
         7 . The method for detecting identity theft according to  claim 1 , wherein, historical locations of an entity are used create a personal identity value. 
     
     
         8 . The method for detecting identity theft according to  claim 1 , wherein, historical personal identity values of an entity are used create a new personal identity value. 
     
     
         9 . The method for detecting identity theft according to  claim 1 , wherein, velocities required to travel among two or more locations associated with an entity are used create a new personal identity value. 
     
     
         10 . The method for detecting identity theft according to  claim 1 , wherein, a personal identity value is used to validate a transaction or activity of an entity. 
     
     
         11 . The method for detecting identity theft according to  claim 1 , wherein, a personal identity value is used to invalidate a transaction or activity of an entity. 
     
     
         12 . An apparatus for detecting identity theft of an entity based on an entity's wireless device's location obtained from a wireless network, comprising:
 a module to obtain data regarding a transaction or activity from a data network;   a module to obtain a unique identifier representing an entity;   a module to obtain the location of the transaction or activity;   a module to obtain the entity's wireless device location from a wireless network; and   a module to generate a personal identity value based on the transaction or activity event data, the location of the transaction or activity, the location of the entity's wireless device and the time the location of the entity's wireless device was obtained.   
     
     
         13 . An apparatus for detecting identity theft according to  claim 12 , wherein, a module is used to determine the presence of a wireless device. 
     
     
         14 . An apparatus for detecting identity theft according to  claim 12 , wherein, a module is used to obtain event data and associate that event data with a database. 
     
     
         15 . An apparatus for detecting identity theft according to  claim 12 , wherein, a database is employed associating the personal identity value with a unique identifier of the entity. 
     
     
         16 . An apparatus for detecting identity theft according to  claim 12 , wherein, a database is employed associating a personal identity value with a mobile directory number, 
     
     
         17 . An apparatus for detecting a identity theft according to  claim 12 , wherein, a database is employed associating a personal identity value with a transaction or activity engaged in by an entity. 
     
     
         18 . An apparatus for detecting identity theft according to  claim 12 , wherein, a database is employed associating a personal identity value with multiple applications for which a transaction or activity may be engaged in by an entity. 
     
     
         19 . An apparatus for detecting identity theft according to  claim 12 , wherein, a database is employed associating a personal identity value with an identity authentication application. 
     
     
         20 . An apparatus for detecting identity theft according to  claim 12 , wherein, a database is employed associating a personal identity value with a geographic place associated with a wireless device location. 
     
     
         21 . An apparatus for detecting identity theft according to  claim 12 , wherein, a personal identity value is sent to a results processing system for use with an identity authentication application. 
     
     
         22 . An apparatus for detecting identity theft according to  claim 12 , wherein, historical locations of an entity are used to generate a personal identity value. 
     
     
         23 . An apparatus for detecting identity theft according to  claim 12 , wherein, historical personal identity values of an entity are used to generate a personal identity value. 
     
     
         24 . An apparatus for detecting identity theft according to  claim 12 , wherein, velocities required to travel among two or more locations associated with an entity are used to generate a personal identity value. 
     
     
         25 . An apparatus for detecting identity theft according to  claim 12 , wherein, a personal identity value is used to validate a transaction or activity of an entity. 
     
     
         26 . An apparatus for detecting identity theft according to  claim 12 , wherein, a personal identity value is used to invalidate a transaction or activity of an entity. 
     
     
         27 . A method for detecting identity theft of an entity based on an entity's wireless device location obtained from a wireless network, comprising:
 obtaining data regarding an automated transaction or activity from a data network;   obtaining a unique identifier representing an entity;   obtaining the location of an automated transaction or activity;   obtaining the entity's wireless device location from a wireless network; and   generating a personal identity value based on at least one of (i) the transaction or activity event data, (ii) the location of the transaction or activity event, (iii) the location of the entity's wireless device and (iv) the time the location of the entity's wireless device was obtained.   
     
     
         28 . A method for detecting identity theft of an entity based on an entity's wireless device location obtained from a wireless network, comprising:
 obtaining data regarding an automated transaction or activity from a data network;   obtaining a unique identifier representing an entity;   obtaining the location of an automated transaction or activity;   obtaining the entity's wireless device location from a wireless network; and   generating a personal identity value based on at least one of (i) the location of the transaction or activity event, and (ii) the location of the entity's wireless device.   
     
     
         29 . A method for detecting identity theft of an entity based on an entity's wireless device location obtained from a wireless network, comprising:
 obtaining data regarding an automated transaction or activity from a data network;   obtaining the location of an automated transaction or activity;   obtaining the entity's wireless device location from a wireless network; and   generating a personal identity value based on at least one of (i) the location of the transaction or activity event, and (ii) the location of the entity's wireless device.

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