Security and identity verification system and architecture
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. A fraud detection and alert system comprising:
one or more data stores configured to store:
computer-executable instructions,
user data associated with a plurality of users that is received from a tax authority, wherein the user data includes first user data associated with a first user, and
verification data associated with one or more of the plurality of users based at least in part on proprietary and public datasets, wherein at least a portion of the verification data is different from the user data received from the tax authority, and wherein the verification data includes first verification data associated with the first user;
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 processors to:
receive and store, from a tax authority via 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 the first user data, wherein the first user data includes 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 matching user to the identity of the first user by comparing at least a portion of the first user data to the first verification data;
based at least in part on the determination of the matching user, transmit, to a user device via the network interface, a notification associated with the matching user regarding the first application;
receive, from the user device via the network interface, a potential fraud indication indicating that the first application or the first electronic request is possibly fraudulent;
determine, based at least in part on the potential fraud indication, 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 to stop processing the first application as requested by the first electronic request.
2. The fraud detection and alert system of claim 1 , wherein the first user data further includes personally identifying information (PII) associated with the first user.
3. The fraud detection and alert system of claim 1 , 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 verification data.
4. The fraud detection and alert system of claim 1 , wherein the one or more physical processors are further configured by machine readable instructions to:
transmit, to an external third party entity via the network interface, the electronic instructions to stop the processing of the first application.
5. A computerized method for detecting fraudulent tax filings, the computerized method comprising:
receiving and storing, from a tax authority via 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 associated with the first user, wherein the first user data includes 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 and using one or more computer processors, determine a matching user to the identity of the first user by comparing at least a portion of the first user data to first verification data associated with the first user and based at least in part on proprietary and public datasets, wherein at least a portion of the first verification data is different from the first user data received from the tax authority;
based at least in part on the determination of a matching user, transmitting, to a user device via the network interface and one or more computer processors, a notification associated with the matching user regarding the first application;
receiving, from the user device via a network interface, a potential fraud indication indicating that the first application or the first electronic request is possibly fraudulent;
determining, via one or more computer processors, based at least in part on the potential fraud indication, that the first application or the first electronic request is fraudulent; and
generating and transmitting, to the tax authority via the network interface and the one or more computer processors, electronic instructions to stop processing the first application as requested by the first electronic request.
6. The computerized method of claim 5 , wherein the first user data further includes personally identifying information (PII) associated with the first user.
7. The computerized method of claim 5 , 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 verification data.
8. The computerized method of claim 5 , further comprising:
transmitting, to an external third party entity, the electronic instructions to stop the processing of the first application.
9. 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, 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, and wherein a first electronic request of the plurality of electronic requests is associated with a first user, a first application, and includes the first user data associated with the first user, wherein the first user data includes 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 matching user to the identity of the first user by comparing at least a portion of the first user data to the first verification data associated with the first user and based at least in part on proprietary and public datasets, wherein at least a portion of the first verification data is different from the first user data received from the tax authority;
based at least in part on the determination of a matching user, transmitting, to a user device, a notification associated with the matching user regarding the first application;
receiving, from the user device, a potential fraud indication indicating that the first application or the first electronic request is possibly fraudulent;
determining based at least in part on the potential fraud indication, that the first application or the first electronic request is fraudulent; and
generating and transmitting, to the tax authority, electronic instructions to stop processing the first application as requested by the first electronic request.
10. The non-transitory storage medium of claim 9 , wherein the first user data further includes personally identifying information (PII) associated with the first user.
11. The non-transitory storage medium of claim 9 , 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 verification data.
12. The non-transitory storage medium of claim 9 , wherein the instructions further comprise:
transmitting, to an external third party entity, the electronic instructions to stop the processing of the first application.
13. The fraud detection and alert system of claim 1 , wherein the alphanumeric identifier comprises all letters, all numbers, or a mix of letters and numbers.
14. The computerized method of claim 5 , wherein the alphanumeric identifier comprises all letters, all numbers, or a mix of letters and numbers.
15. The non-transitory storage medium of claim 9 , wherein the alphanumeric identifier comprises all letters, all numbers, or a mix of letters and numbers.
16. The fraud detection and alert system of claim 1 , wherein the one or more physical processors are further configured by machine readable instructions to:
associate the alphanumeric identifier to the first verification data stored on the one or more data stores.
17. The computerized method of claim 5 , further comprising:
associating the alphanumeric identifier to the first verification data stored on the one or more data stores.
18. The non-transitory storage medium of claim 9 , wherein the instructions further comprise:
associating the alphanumeric identifier to the first verification data stored on the one or more data stores.