Methods and systems for establishing identity confidence database

1. A method of establishing an identity confidence score, the method comprising:

receiving, at a processing center server, a first set of user identity information from a first transaction device, the first set of user identity information corresponding to a first in-person transaction performed by a user at a first physical transaction location,

wherein the first set of user identity information comprises at least (a) a transaction type of the first in-person transaction and (b) a first type of identity information provided by the user during the first in-person transaction;

establishing a remote wireless connection, by the processing center server, to a mobile device associated with the user;

retrieving, by the processing center server, a second set of user identity information from the mobile device associated with the user, via the remote wireless connection,

wherein the second set of user identity information corresponds to one or more remote location transactions previously performed by the user using the mobile device,

wherein each of the remote location transactions previously performed includes transmitting user identity data from the mobile device through an electronic medium and storing corresponding data for the remote location transaction in an internal storage of the mobile device, and

wherein retrieving second set of user identity information from the mobile device comprises retrieving, from internal storage of the mobile device, for each of the remote location transactions previously performed using the mobile device, (a) a transaction type for each of the remote location transactions (b) a type of identity information provided by the user during each of the remote location transactions, and (c) a time for each of the remote location transactions;

combining, by the processing center server, the first set of user identity information and the second set of user identity information into a single identity information record associated with the user, in an identity confidence database;

determining, by the processing center server, an identity confidence score associated with the user, based on the first set of user identity information and the second set of user identity information, wherein when determining the identity confidence score, user identity information corresponding to in-person transactions performed by the user at physical transaction locations effect the determination of the identity confidence score differently than user identity information corresponding to remote location transactions performed by the user via the mobile device;

receiving, by the processing center server, a request initiated by the user to perform at least one of an in-person or remote location transaction;

determining, by the processing center server, whether or not to permit the requested transaction to be performed, based on a comparison of the identity confidence score associated with the user to a threshold; and

in response to determining that the identity confidence score associated with the user exceeds the threshold, causing the requested transaction to be performed.

2. The method of claim 1 , wherein retrieving the second set of user identity information comprises:

capturing a mobile number of the mobile device associated with the user, using automatic number identification (ANI); and

storing the mobile number of the mobile device associated with the user in an identity database.

3. The method of claim 1 , wherein the requested transaction is a remote location transaction requested by the user via the mobile device, and wherein determining whether or not to permit the remote location transaction to be performed comprises:

determining a location of the mobile device, in response to the request to perform the remote location transaction via the mobile device;

comparing the location of the mobile device to a location threshold; and

determining whether or not to permit the remote location transaction to be performed, based on the comparison of the location of the mobile device to the location threshold.

4. The method of claim 1 , further comprising:

determining a mobile number of the mobile device associated with the user;

using the mobile number to retrieve data associated with the user from a cellular provider server, said data including at least one of a bill payment history associated with the user, or an amount of time with a cellular provider associated with the user; and

determining a reliability metric for the second set of user identity information, based on the data received from the cellular provider server.

5. The method of claim 1 , further comprising:

retrieving data from a third-party mobile network operator (MNO) relating to mobile network usage of the user; and

determining a reliability metric for the second set of user identity information, based on the data received from the MNO.

6. The method of claim 1 , further comprising:

in response to the request to perform the requested transaction, selecting one of a plurality of re-verification processes for the user, wherein the selection of the re-verification process is based on the identity confidence score associated with the user; and

executing the selected re-verification process for the user, prior to determining whether or not to permit the requested transaction to be performed.

7. The method of claim 1 , further comprising:

determining that a remote location transaction was initiated by the user via a web-based application;

wherein the second set of user identity information includes an internet protocol (IP) address and internet provider received via the web-based application, and

wherein a reliability metric for the second set of user identity information is determined based on the internet protocol (IP) address and internet provider received via the web-based application.

8. The method of claim 1 , wherein determining whether or not to permit the requested transaction to be performed comprises:

determining a transaction type for the requested transaction;

determining whether the requested transaction is an in-person transaction or a remote location transaction; and

determining whether or not to permit the requested transaction to be performed, based on (a) the transaction type for the requested transaction, (b) whether the requested transaction is an in-person transaction or a remote location transaction, and (c) the identity confidence score associated with the user.

9. The method of claim 1 , wherein the identity confidence score associated with the user is further based on a frequency of previous in-person transactions and remote location transactions performed by the user.

10. The method of claim 1 , wherein the identity confidence score associated with the user is further based on a determination of whether the first in-person transaction and the one or more remote location transactions performed by the user were successful or unsuccessful.

11. A system for establishing an identity confidence score, the system comprising:

a processing unit comprising one or more processors; and

one or more storage devices in communication with the processing unit and having sets of instructions stored thereon, wherein the sets of instructions when executed by the processing unit, cause the system to:

receive a first set of user identity information from a first transaction device, the first set of user identity information corresponding to a first in-person transaction performed by a user at a first physical transaction location,

wherein the first in-person set of user identity information comprises at least (a) a transaction type of the first in-person transaction and (b) a first type of identity information provided by the user during the first in-person transaction;

establish a remote wireless connection to a mobile device associated with the user;

retrieve a second set of user identity information from the mobile device associated with the user, via the remote wireless connection,

wherein the second set of user identity information corresponds to one or more remote location transactions previously performed by the user using the mobile device,

wherein each of the remote location transactions previously performed includes transmitting user identity data from the mobile device through an electronic medium and storing corresponding data for the remote location transaction in an internal storage of the mobile device, and

wherein retrieving second set of user identity information from the mobile device comprises retrieving, from internal storage of the mobile device, for each of the remote location transactions previously performed using the mobile device, (a) a transaction type for each of the remote location transactions (b) a type of identity information provided by the user during each of the remote location transactions, and (c) a time for each of the remote location transactions;

combine the first set of user identity information and the second set of user identity information into a single identity information record associated with the user, in an identity confidence database;

determine an identity confidence score associated with the user, based on the first set of user identity information and the second set of user identity information, wherein when determining the identity confidence score, user identity information corresponding to in-person transactions performed by the user at physical transaction locations effect the determination of the identity confidence score differently than user identity information corresponding to remote location transactions performed by the user via the mobile device;

receive a request initiated by the user to perform at least one of an in-person or remote location transaction;

determine whether or not to permit the requested transaction to be performed, based on a comparison of the identity confidence score associated with the user to a threshold; and

in response to determining that the identity confidence score associated with the user exceeds the threshold, causing the requested transaction to be performed.

12. The system of claim 11 , wherein retrieving the second set of user identity information comprises:

capturing a mobile number of the mobile device associated with the user, using automatic number identification (ANI); and

storing the mobile number of the mobile device associated with the user in an identity database.

13. The system of claim 11 , wherein the requested transaction is a remote location transaction requested by the user via the mobile device, and wherein determining whether or not to permit the remote location transaction to be performed comprises:

determining a location of the mobile device, in response to the request to perform the remote location transaction via the mobile device;

comparing the location of the mobile device to a location threshold; and

determining whether or not to permit the remote location transaction to be performed, based on the comparison of the location of the mobile device to the location threshold.

14. The system of claim 11 , wherein the sets of instructions, when executed by the processing unit, further cause the system to:

determine a mobile number of the mobile device associated with the user;

use the mobile number to retrieve data associated with the user from a cellular provider server, said data including at least one of a bill payment history associated with the user, or an amount of time with a cellular provider associated with the user; and

determine a reliability metric for the second set of user identity information, based on the data received from the cellular provider server.

15. The system of claim 11 , wherein the sets of instructions, when executed by the processing unit, further cause the system to:

retrieve data from a third-party mobile network operator (MNO) relating to mobile network usage of the user; and

determine a reliability metric for the second set of user identity information, based on the data received from the MNO.

16. The system of claim 11 , wherein the sets of instructions, when executed by the processing unit, further cause the system to:

in response to the request to perform the requested transaction, select one of a plurality of re-verification processes for the user, wherein the selection of the re-verification process is based on the identity confidence score associated with the user; and

execute the selected re-verification process for the user, prior to determining whether or not to permit the requested transaction to be performed.

17. The system of claim 11 , wherein the sets of instructions, when executed by a processing unit, further cause the system to:

determine that the remote location transaction was initiated by the user via a web-based application;

wherein the second set of user identity information includes an internet protocol (IP) address and internet provider received via the web-based application, and

wherein a reliability metric for the second set of user identity information is determined based on the internet protocol (IP) address and internet provider received via the web-based application.

18. The system of claim 11 , wherein determining whether or not to permit the requested transaction to be performed comprises:

determining a transaction type for the requested transaction;

determining whether the requested transaction is an in-person transaction or a remote location transaction; and

determining whether or not to permit the requested transaction to be performed, based on (a) the transaction type for the requested transaction, (b) whether the requested transaction is an in-person transaction or a remote location transaction, and (c) the identity confidence score associated with the user.

19. The system of claim 11 , wherein the identity confidence score associated with the user is further based on a frequency of previous in-person transactions and remote location transactions performed by the user.

20. The system of claim 11 , wherein the identity confidence score associated with the user is further based on a determination of whether the first in-person transaction and the one or more remote location transactions performed by the user were successful or unsuccessful.