Security and identity verification system and architecture

Abstract

Embodiments of a security and identity verification system are disclosed. The security and identity verification system may comprise a system that conducts automated identify verification of tax filers and generates electronic alerts to send to tax filers upon filing of a tax form with a tax service provider. The tax fraud alert system may also provide remediation services in coordination with tax service providers in the event a fraudulent form is filed; and/or validate tax identity information and the corresponding good or best tax filer contact information in order to notify the tax filer in a timely manner.

1 .- 20 . (canceled) 
     
     
         21 . A system comprising:
 one or more data stores configured to store computer-executable instructions; and   a network interface configured to communicate with a plurality of network service devices; and   one or more physical computer processors in communication with the one or more data stores, wherein the computer-executable instructions, when executed, configure the one or more physical computer processors to:
 receive and store, from a tax authority via an application program interface or a batch process over the network interface, an electronic batch file that includes a plurality of electronic requests, wherein each electronic request of the plurality of electronic requests is for a filing of an application, wherein a first electronic request of the plurality of electronic requests is associated with a first user, a first application, and includes first user data comprising an alphanumeric identifier that is generated based at least in part on encrypted personally identifying information (PII) associated with the first user; 
 based at least in part on the first electronic request and a configurable rules engine, determine a match corresponding to an identity of the first user by comparing at least a portion of the first user data to first verification data, wherein at least a first portion of the first verification data is different from the first user data received from the tax authority; 
 prior to a determination of fraud, based at least in part on the determination of the match, transmit, to a user device via the network interface, a notification associated with the match regarding the first application; 
 receive, from the user device via the network interface, an electronic communication indicating that the first application or the first electronic request is possibly fraudulent; 
 determine, based at least in part on the electronic communication, that the first application or the first electronic request is fraudulent; and 
 generate and transmit, to the tax authority via the network interface, electronic instructions configured to stop processing the first application as requested by the first electronic request. 
   
     
     
         22 . The system of  claim 21 , wherein the first user data further includes personally identifying information (PII) associated with the first user. 
     
     
         23 . The system of  claim 21 , wherein the notification to the user device regarding a successful application filing of the first application is transmitted to a type of contact included in the first portion of the first verification data. 
     
     
         24 . The system of  claim 21 , wherein the one or more physical computer processors are further configured to:
 transmit, to an external third party entity via the network interface, the electronic instructions configured to stop the processing of the first application.   
     
     
         25 . The system of  claim 21 , wherein the alphanumeric identifier comprises all letters, all numbers, or a mix of letters and numbers. 
     
     
         26 . The system of  claim 21 , wherein the one or more physical computer processors are further configured to:
 associate the alphanumeric identifier to the first verification data.   
     
     
         27 . The system of  claim 21 , wherein the first verification data associated with the first user is based at least in part on proprietary and public datasets. 
     
     
         28 . A computerized method comprising:
 receiving and storing, from a tax authority via an application program interface or a batch process over a network interface, an electronic batch file that includes a plurality of electronic requests, wherein each electronic request of the plurality of electronic requests is for a filing of an application, wherein a first electronic request of the plurality of electronic requests is associated with a first user, a first application, and includes first user data comprising an alphanumeric identifier that is generated based at least in part on encrypted personally identifying information (PII) associated with the first user;   based at least in part on the first electronic request and a configurable rules engine, determining a match corresponding to an identity of the first user by comparing at least a portion of the first user data to first verification data, wherein at least a first portion of the first verification data is different from the first user data received from the tax authority;   prior to a determination of fraud, based at least in part on the determination of the match, transmitting, to a user device via the network interface, a notification associated with the match regarding the first application;   receiving, from the user device via the network interface, an electronic communication indicating that the first application or the first electronic request is possibly fraudulent;   determining, based at least in part on the electronic communication, that the first application or the first electronic request is fraudulent; and   generating and transmitting, to the tax authority via the network interface, electronic instructions configured to stop processing the first application as requested by the first electronic request.   
     
     
         29 . The computerized method of  claim 28 , wherein the first user data further includes personally identifying information (PII) associated with the first user. 
     
     
         30 . The computerized method of  claim 28 , wherein the alphanumeric identifier comprises all letters, all numbers, or a mix of letters and numbers. 
     
     
         31 . The computerized method of  claim 28 , further comprising:
 associating the alphanumeric identifier to the first verification data.   
     
     
         32 . The computerized method of  claim 28 , wherein the first verification data associated with the first user is based at least in part on proprietary and public datasets. 
     
     
         33 . The computerized method of  claim 28 , wherein the notification to the user device regarding a successful application filing of the first application is transmitted to a type of contact included in the first portion of the first verification data. 
     
     
         34 . A non-transitory storage medium for storing instructions adapted to be executed by a processor to perform a method for automatically detecting fraudulent tax filings, the instructions comprising:
 receiving and storing, from a tax authority via an application program interface or a batch process over a network interface, an electronic batch file that includes a plurality of electronic requests, wherein each electronic request of the plurality of electronic requests is for a filing of an application, wherein a first electronic request of the plurality of electronic requests is associated with a first user, a first application, and includes first user data comprising an alphanumeric identifier that is generated based at least in part on encrypted personally identifying information (PII) associated with the first user;   based at least in part on the first electronic request and a configurable rules engine, determining a match corresponding to an identity of the first user by comparing at least a portion of the first user data to first verification data, wherein at least a first portion of the first verification data is different from the first user data received from the tax authority;   prior to a determination of fraud, based at least in part on the determination of the match, transmitting, to a user device via the network interface, a notification associated with the match regarding the first application;   receiving, from the user device via the network interface, an electronic communication indicating that the first application or the first electronic request is possibly fraudulent;   determining, based at least in part on the electronic communication, that the first application or the first electronic request is fraudulent; and   generating and transmitting, to the tax authority via the network interface, electronic instructions configured to stop processing the first application as requested by the first electronic request.   
     
     
         35 . The non-transitory storage medium of  claim 34 , wherein the first user data further includes personally identifying information (PII) associated with the first user. 
     
     
         36 . The non-transitory storage medium of  claim 34 , wherein the notification to the user device regarding a successful application filing of the first application is transmitted to a type of contact included in the first portion of the first verification data. 
     
     
         37 . The non-transitory storage medium of  claim 34 , wherein the alphanumeric identifier comprises all letters, all numbers, or a mix of letters and numbers. 
     
     
         38 . The non-transitory storage medium of  claim 34 , further comprising:
 associating the alphanumeric identifier to the first verification data.   
     
     
         39 . The non-transitory storage medium of  claim 34 , wherein the first verification data associated with the first user is based at least in part on proprietary and public datasets. 
     
     
         40 . The non-transitory storage medium of  claim 34 , wherein the notification to the user device regarding a successful application filing of the first application is transmitted to a type of contact included in the first portion of the first verification data.