Systems and methods for detecting fraud

Abstract

Certain embodiments of the disclosed technology may include systems and methods for detecting fraud. According to an implementation of the disclosed technology, a method is provided that includes: receiving entity-supplied information including at least a name, a social security number, and a mailing address associated with a request for a payment or a benefit from a government agency; querying one or more public or private databases with the entity-supplied information; receiving a plurality of independent information in response to the querying; determining, based at least in part on a comparison of the entity-supplied information with at least a portion of the plurality of independent information, indicators of fraud; and outputting, for display, zero or more indicators of fraud.

We claim: 
     
         1 . A computer-implemented method for detecting fraud related to an identity misrepresentation, identity creation or identity usurpation, the method comprising:
 receiving entity-supplied information comprising at least a name, a social security number, and a mailing address associated with a request for a payment or a benefit from a government agency;   querying one or more public or private databases with the entity-supplied information;   receiving a plurality of independent information in response to the querying, wherein the plurality of independent information includes, as applicable:
 an indication of whether or not the entity is deceased, and a date of death when the entity is indicated as deceased; 
 independent address information associated with the entity; 
 address validity information associated with the entity-supplied information; 
 one or more records associated with the entity-supplied information; or 
 no information; and 
   determining, with one or more computer processors in communication with a memory, based at least in part on a comparison of the entity-supplied information with at least a portion of the plurality of independent information, indicators of fraud, comprising:
 entity deceased within a year of the request or died within a timeframe of the year that would indicate a possible non-fraud request for the payment or the benefit; 
 the entity-supplied mailing address does not match with any of the independent address information; 
 the entity-supplied mailing address having no record of association with any independent address information, including addresses of relatives or addresses of associates; and 
 the entity-supplied mailing address includes an entity-supplied zip code having no record of association with one or more zip codes associated with the independent address information; and 
   outputting, for display, zero or more indicators of fraud, wherein zero indicators of fraud correspond to no fraud determined.   
     
     
         2 . The method of  claim 1 , further comprising:
 determining, based at least in part on a comparison of the entity-supplied information with the plurality of independent information, zero or more fraud false positive indicators, wherein a false positive indicator corresponds to a legitimate request for the payment or the benefit from the government agency that appears fraudulent, the zero or more fraud false positive indicators comprising one or more of:
 the entity appears to be a minor based on one or more of the entity-supplied information and the independent information, wherein the entity-supplied social security number is valid and issued within three to fifteen years; 
 the entity is at least twenty-four years old, and the independent information comprises no information; 
 the entity-supplied mailing address is invalid with a record of association between a zip code of the entity-supplied mailing address and one or more zip codes associated with the independent address information; and 
   outputting the zero or more fraud false positive indicators.   
     
     
         3 . The method of  claim 1 , wherein, the indication of whether or not the entity is deceased comprises a length of time since the entity has deceased when the entity is indicated as deceased. 
     
     
         4 . The method of  claim 1 , wherein receiving the plurality of independent information comprises receiving the one or more records comprising 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. 
     
     
         5 . The method of  claim 1 , wherein receiving the independent address information or the address validity information comprises receiving one or more addresses of relatives or associates of the entity. 
     
     
         6 . The method of  claim 1 , wherein the one or more public or private databases are independent of the government agency. 
     
     
         7 . The method of  claim 1 , further comprising generating a quiz for soliciting authentication input from the entity or from a requester of the payment or benefit. 
     
     
         8 . The method of  claim 7 , wherein the quiz is generated in response to detecting one or more indicators of fraud. 
     
     
         9 . A computer-implemented method for detecting fraud related to an identity misrepresentation, identity creation or identity usurpation, the method comprising:
 receiving entity-supplied information comprising at least a name and a social security number associated with a request for a payment or a benefit from a government agency;   querying one or more public or private databases with the entity-supplied information;   receiving, based at least on the querying of the one or more public or private databases, data comprising one or more of a second social security number or a social security number variant associated with the entity-supplied name, a second name associated with the entity-supplied social security number, and a name variant associated with the entity-supplied social security number;   querying an accessible Do Not Pay list with one or more combinations or variants of the entity-supplied information and the received public or private data; and   outputting a fraud alert when the one or more combinations or variants result in a match with at least one record in the Do Not Pay list.   
     
     
         10 . The computer-implemented method of  claim 9 , wherein querying the Do Not Pay list with one or more combinations or variants comprises querying the Do Not Pay list with one or more of the entity-supplied name and the entity-supplied social security number, the entity-supplied name and the second social security number or the social security number variant, the second name or the name variant and the entity supplied social security number, or the second name or the name variant and the second social security number or the social security number variant. 
     
     
         11 . 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 entity-supplied information comprising at least a name, a social security number, and a mailing address associated with a request for a payment or a benefit from a government agency; 
 query one or more public or private databases with the entity-supplied information; 
 receive a plurality of independent information in response to the querying, wherein the plurality of independent information includes, as applicable:
 an indication of whether or not the entity is deceased, and a date of death when the entity is indicated as deceased; 
 independent address information associated with the entity; 
 address validity information associated with the entity-supplied information; 
 one or more-records associated with the entity-supplied information; and 
 no information; and 
 
 determine, with the at least on processor, based at least in part on a comparison of the entity-supplied information with at least a portion of the plurality of independent information, indicators of fraud, comprising one or more of: 
 entity deceased within a year of the request or died within a timeframe that would indicate a possible non-fraud request for the payment or the benefit; 
 the entity-supplied mailing address does not match with any of the independent address information; 
 the entity-supplied mailing address having no record of association with any independent address information, including addresses of relatives or addresses of associates; and 
 the entity-supplied mailing address includes an entity-supplied zip code having no record of association with one or more zip codes associated with the independent address information; and 
   output, for display, zero or more indicators of fraud, wherein zero indicators of fraud correspond to no fraud determined.   
     
     
         12 . The system of  claim 11 , wherein the at least one processor is further configured to execute the computer-executable instructions to:
 determine, based at least in part on a comparison of the entity-supplied information with the plurality of independent information, zero or more fraud false positive indicators, wherein a false positive indicator corresponds to a legitimate request for the payment or the benefit that appears fraudulent, the zero or more fraud false positive indicators comprising one or more of:
 the entity appears to be a minor based on one or more of the entity-supplied information and the independent information, wherein the entity-supplied social security number is valid and issued within three to fifteen years; 
 the entity is at least twenty-four years old, and the independent information comprises no information; and 
 the entity-supplied mailing address is invalid with a record of association between a zip code of the entity-supplied mailing address and one or more zip codes associated with the independent address information; and 
   output the zero or more fraud false positive indicators.   
     
     
         13 . The system of  claim 11 , wherein, the indication of whether or not the entity is deceased comprises a length of time since the entity has deceased when the entity is indicated as deceased. 
     
     
         14 . The system of  claim 11 , wherein the plurality of independent information comprises one or more of housing records, vehicular records, marriage records, divorce records, hospital records, death records, court records, property records, incarceration records, tax records, or utility records, wherein the utility records comprise one or more of utility hookups, disconnects, and associated service addresses. 
     
     
         15 . The system of  claim 11 , wherein the independent address information or the address validity information comprises one or more addresses of relatives or addresses of associates of the entity. 
     
     
         16 . The system of  claim 11 , wherein the one or more public or private databases are independent of the government agency. 
     
     
         17 . The system of  claim 11 , wherein the at least one processor is further configured to execute the computer-executable instructions to generate a quiz for soliciting authentication input from the entity or from a requester of the payment or benefit. 
     
     
         18 . The method of  claim 17 , wherein the quiz is generated in response to detecting one or more indicators of fraud. 
     
     
         19 . 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 entity-supplied information comprising at least a name and a social security number associated with a request for a payment or a benefit from a government agency; 
 query one or more public or private databases with the entity-supplied information; 
 receive, based at least on the querying of the one or more public or private databases, data comprising one or more of a second social security number or a social security number variant associated with the entity-supplied name, a second name associated with the entity-supplied social security number, and a name variant associated with the entity-supplied social security number; 
 query an accessible Do Not Pay list with one or more combinations or variants of the entity-supplied information and the received public or private data; and 
 output a fraud alert when the one or more combinations or variants result in a match with at least one record in the Do Not Pay list. 
   
     
     
         20 . The system of  claim 19 , wherein the one or more combinations or variants of the entity-supplied information and the received public data comprises one or more of the entity-supplied name and the entity-supplied social security number, the entity-supplied name and the second social security number or social security number variant, the second name or name variant and the entity supplied social security number, or the second name or the name variant and the second social security number or the social security number variant. 
     
     
         21 . The system of  claim 19 , wherein the at least one processor is further configured to execute the computer-executable instructions to generate a quiz for soliciting authentication input from the entity or from a requester of the payment or benefit. 
     
     
         22 . The system of  claim 21 , wherein the quiz is generated in response to detecting one or more indicators of fraud. 
     
     
         23 . 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:
 receive entity-supplied information comprising at least a name and a social security number associated with a request for a payment or a benefit from a government agency;   query one or more public or private databases with the entity-supplied information;   receive a plurality of independent information in response to the querying, wherein the plurality of independent information includes, as applicable:
 an indication of whether or not the entity is deceased, and a date of death when the entity is indicated as deceased; 
 independent address information associated with the entity; 
 address validity information associated with the entity-supplied information; 
 one or more records associated with the entity-supplied information; or 
 no information; and 
   determine, with one or more computer processors in communication with a memory, based at least in part on a comparison of the entity-supplied information with at least a portion of the plurality of independent information, indicators of fraud, comprising:
 entity deceased within a year of the request or died within a timeframe that would indicate a possible non-fraud request; 
 the entity-supplied mailing address does not match with any of the independent address information; 
 the entity-supplied mailing address having no record of association with any independent address information, including addresses of relatives or addresses of associates; and 
 the entity-supplied mailing address includes an entity-supplied zip code having no record of association with one or more zip codes associated with the independent address information; and 
   output, for display, zero or more indicators of fraud, wherein zero indicators of fraud correspond to no fraud determined.   
     
     
         24 . The computer readable media of  claim 23 , further comprising computer-executable instructions that, when executed by one or more processors, configure the one or more processors to:
 determine, based at least in part on a comparison of the entity-supplied information with the plurality of independent information, zero or more fraud false positive indicators, wherein a false positive indicator corresponds to a legitimate request for the payment or the benefit from the government agency that appears fraudulent, the zero or more fraud false positive indicators comprising one or more of:
 the entity appears to be a minor based on one or more of the entity-supplied information and the independent information, wherein the entity-supplied social security number is valid and issued within three to fifteen years; 
 the entity is at least twenty-four years old, and the independent information comprises no information; 
 the entity-supplied mailing address is invalid with a record of association between a zip code of the entity-supplied mailing address and one or more zip codes associated with the independent address information; and 
   output the zero or more fraud false positive indicators.   
     
     
         25 . The computer readable media of  claim 23 , further comprising computer-executable instructions that, when executed by one or more processors, configure the one or more processors to generate a quiz for soliciting authentication input from the entity or from a requester of the payment or benefit. 
     
     
         26 . The computer readable media of  claim 23 , wherein the quiz is generated in response to detecting one or more indicators of fraud. 
     
     
         27 . 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:
 receive entity-supplied information comprising at least a name and a social security number associated with a request for a payment or a benefit from a government agency;   query one or more public or private databases with the entity-supplied information;   receive, based at least on the querying of the one or more public or private databases, data comprising one or more of a second social security number or social security number variant associated with entity-supplied name, a second name associated with the entity-supplied social security number, or a name variant associated with the entity-supplied social security number;   query an accessible Do Not Pay list with one or more combinations or variants of the entity-supplied information and the received public or private data; and   output a fraud alert when the one or more combinations or variants result in a match with at least one record in the Do Not Pay list.   
     
     
         28 . The computer readable media of  claim 27 , wherein the one or more combinations or variants of the entity-supplied information and the received data comprises one or more of the entity-supplied name and the entity-supplied social security number, the entity-supplied name and the second social security number or the social security number variant, the second name or the name variant and the entity supplied social security number, or the second name or the name variant and the second social security number or the social security number variant. 
     
     
         29 . The computer readable media of  claim 27 , further comprising computer-executable instructions that, when executed by one or more processors, configure the one or more processors to generate a quiz for soliciting authentication input from the entity or from a requester of the payment or benefit. 
     
     
         30 . The computer readable media of  claim 29 , wherein the quiz is generated in response to detecting one or more indicators of fraud.