System and method of assessing the quality of an identification transaction using an identificaion quality score

Claim 1

A method of assessing the quality of an identification transaction, said method comprising the steps of: enrolling a plurality of persons to be identified by providing at least two identification information units corresponding to each said person and storing said identification information units in an identification database at a remote database site; assigning an identification quality score to each said identification information unit and storing each identification quality score in an identification quality score database at said remote database site; accepting a first of said at least two identification information units from a person to be identified at a point of identification; inputting said first of said at least two identification information units into a point of identification terminal; establishing a communications link between said point of identification terminal and said identification database; transmitting said first of said at least two identification information units from said point of identification terminal to said identification database; searching said identification database and retrieving at least a second of said at least two identification information units, said at least a second of said at least two identification information units mapped to said first identification information unit in said identification database; searching said identification quality score database and retrieving said identification quality score assigned to each said retrieved second identification information unit; transmitting each said second identification information unit and said identification quality score associated therewith to said point of identification terminal over said communications link; displaying each said second identification information unit and an identification quality indicator associated with each received identification quality score on a display at said point of identification terminal; reviewing the identification quality indicator to determine the level of scrutiny to apply to said identification transaction; comparing each said displayed second identification information unit with a corresponding second identification information unit physically presented by the person being identified at said point of identification; acknowledging the positive identification of said person being identified if a match exists between at least one of said displayed second identification information units with said corresponding second identification information unit physically presented by the person being identified; storing at least said first and second identification information units along with transaction information as transaction record; and adjusting said identification quality score stored in said identification quality database based on historical data acquired and stored at said remote database site.

Claim 2

A method of assessing the quality of an identification transaction, said method comprising the steps of: enrolling a plurality of persons to be identified by providing at least two identification information units corresponding to each said person and storing said identification information units in an identification database at a remote database site; assigning an identification quality score to each said identification information unit and storing each identification quality score in an identification quality score database at said remote database site; accepting a first of said at least two identification information units from a person to be identified at a point of identification; inputting said first of said at least two identification information units into a point of identification terminal; establishing a communications link between said point of identification terminal and said identification database; transmitting said first of said at least two identification information units from said point of identification terminal to said identification database; searching said identification database and retrieving at least a second of said at least two identification information units, said at least a second of said at least two identification information units mapped to said first identification information unit in said identification database; searching said identification quality score database and retrieving said identification quality score assigned to each said retrieved second identification information unit; transmitting each said second identification information unit and said identification quality score associated therewith to said point of identification terminal over said communications link; displaying each said second identification information unit and an identification quality indicator associated with each received identification quality score on a display at said point of identification terminal; reviewing the identification quality indicator to determine the level of scrutiny to apply to said identification transaction; comparing each said displayed second identification information unit with a corresponding second identification information unit physically presented by the person being identified at said point of identification; acknowledging the positive identification of said person being identified if a match exists between at least one of said displayed second identification information units with said corresponding second identification information unit physically presented by the person being identified; storing at least said first and second identification information units along with transaction information as transaction record; and adjusting said identification quality score stored in said identification quality database based on historical data acquired and stored at said remote database site.

Claim 11

A method of assessing the quality of an identification transaction, said method comprising the steps of: enrolling a plurality of persons to be identified by providing at least two identification information units corresponding to each said person and storing said identification information units in an identification database at a remote database site; assigning an identification quality score to each said identification information unit and storing each identification quality score in an identification quality score database at said remote database site; accepting a first of said at least two identification information units from a person to be identified at a point of identification; inputting said first of said at least two identification information units into a point of identification terminal; establishing a communications link between said point of identification terminal and said identification database; transmitting said first of said at least two identification information units from said point of identification terminal to said identification database; searching said identification database and retrieving at least a second of said at least two identification information units, said at least a second of said at least two identification information units mapped to said first identification information unit in said identification database; searching said identification quality score database and retrieving said identification quality score assigned to each said retrieved second identification information unit; generating a system user command for each said retrieved identification quality score and linking each said system user command to its associated second identification information unit; transmitting each said second identification information unit and associated system user command to said point of identification terminal over said communications link; comparing each said received second identification information unit with physical information presented by said person being identified and determining whether a match exists between said physical information presented and at least one of said received second identification information units; displaying said system user command associated with at least one second identification information unit on a display at said point of identification terminal; complying with the displayed system user command; storing at least said first and second identification information units along with transaction information as a transaction record; and adjusting said identification quality score stored in said identification quality database based on historical data acquired and stored at said remote database site.

Claim 12

A method of assessing the quality of an identification transaction, said method comprising the steps of: enrolling a plurality of persons to be identified by providing at least two identification information units corresponding to each said person and storing said identification information units in an identification database at a remote database site; assigning an identification quality score to each said identification information unit and storing each identification quality score in an identification quality score database at said remote database site; accepting a first of said at least two identification information units from a person to be identified at a point of identification; inputting said first of said at least two identification information units into a point of identification terminal; establishing a communications link between said point of identification terminal and said identification database; transmitting said first of said at least two identification information units from said point of identification terminal to said identification database; searching said identification database and retrieving at least a second of said at least two identification information units, said at least a second of said at least two identification information units mapped to said first identification information unit in said identification database; searching said identification quality score database and retrieving said identification quality score assigned to each said retrieved second identification information unit; generating a system user command for each said retrieved identification quality score and linking each said system user command to its associated second identification information unit; transmitting each said second identification information unit and associated system user command to said point of identification terminal over said communications link; comparing each said received second identification information unit with physical information presented by said person being identified and determining whether a match exists between said physical information presented and at least one of said received second identification information units; displaying said system user command associated with at least one second identification information unit on a display at said point of identification terminal; complying with the displayed system user command; storing at least said first and second identification information units along with transaction information as a transaction record; and adjusting said identification quality score stored in said identification quality database based on historical data acquired and stored at said remote database site.

Claim 13

A method of assessing the identity of a person initiating a non cash-based financial instrument transaction comprising the steps of: accepting a non cash financial instrument from a person initiating said non cash-based financial transaction, said non cash-based financial instrument including an account number identifying a financial account from which funds necessary to complete said non cash-based financial transaction may be drawn; inputting said account number into a point of identification terminal; establishing a communications link between said point of identification terminal and a remote database site, said database site having stored therein an identification database comprising a plurality of identification information units, each said identification information unit mapped to at least one account number, said identification information units corresponding to persons authorized to initiate financial transactions using said financial account, each said identification information unit further having an identification quality score associated therewith, said identification quality scores stored in an identification quality database at said remote database site; transmitting said account number from said point of identification terminal to said remote database site over said communications link; searching said identification database and retrieving at least one identification information unit stored in said identification database, which is mapped to said transmitted account number; searching said identification quality score database and retrieving said identification quality score assigned to each said retrieved identification information unit; transmitting each said retrieved identification information unit and each said retrieved identification quality score assigned thereto to said point of identification terminal over said communications link; displaying each said transmitted identification information unit and an identification quality indicator on a display at said point of identification terminal; comparing each said displayed identification information unit with a corresponding identification information unit physically presented by the person being identified at said point of identification and reviewing said displayed identification quality score to identify non cash-based financial transactions where heightened identification scrutiny is required; acknowledging the positive identification of said person being identified if a match exists between at least one of said displayed identification information units and said corresponding identification information unit physically presented by the person being identified; storing said displayed, matching identification information unit along with transaction information as a transaction record; and adjusting said identification quality score stored in said identification quality score database based on historical data acquired and stored at said remote database site.

Claim 14

A method of assessing the identity of a person initiating a non cash-based financial instrument transaction comprising the steps of: accepting a non cash financial instrument from a person initiating said non cash-based financial transaction, said non cash-based financial instrument including an account number identifying a financial account from which funds necessary to complete said non cash-based financial transaction may be drawn; inputting said account number into a point of identification terminal; establishing a communications link between said point of identification terminal and a remote database site, said database site having stored therein an identification database comprising a plurality of identification information units, each said identification information unit mapped to at least one account number, said identification information units corresponding to persons authorized to initiate financial transactions using said financial account, each said identification information unit further having an identification quality score associated therewith, said identification quality scores stored in an identification quality database at said remote database site; transmitting said account number from said point of identification terminal to said remote database site over said communications link; searching said identification database and retrieving at least one identification information unit stored in said identification database, which is mapped to said transmitted account number; searching said identification quality score database and retrieving said identification quality score assigned to each said retrieved identification information unit; transmitting each said retrieved identification information unit and each said retrieved identification quality score assigned thereto to said point of identification terminal over said communications link; displaying each said transmitted identification information unit and an identification quality indicator on a display at said point of identification terminal; comparing each said displayed identification information unit with a corresponding identification information unit physically presented by the person being identified at said point of identification and reviewing said displayed identification quality score to identify non cash-based financial transactions where heightened identification scrutiny is required; acknowledging the positive identification of said person being identified if a match exists between at least one of said displayed identification information units and said corresponding identification information unit physically presented by the person being identified; storing said displayed, matching identification information unit along with transaction information as a transaction record; and adjusting said identification quality score stored in said identification quality score database based on historical data acquired and stored at said remote database site.

Claim 20

A method of assessing the identity of a person initiating a non cash-based financial instrument transaction comprising the steps of: accepting a non cash financial instrument from a person initiating said non cash-based financial transaction, said non cash-based financial instrument including an account number identifying a financial account from which funds necessary to complete said non cash-based financial transaction may be drawn; inputting said account number into a point of identification terminal; establishing a communications link between said point of identification terminal and a remote database site, said database site having stored therein an identification database comprising a plurality of identification information units and an identification quality score database comprising a plurality of identification quality scores, wherein each said identification information unit is mapped to at least one account number, said identification information units corresponding to persons authorized to initiate financial transactions using said financial account and wherein each identification quality score is mapped to a corresponding identification information unit; transmitting said account number from said point of identification terminal to said remote database site over said communications link; searching said identification database and retrieving at least one identification information unit stored in said identification database, which is mapped to said transmitted account number; searching said identification quality score database and retrieving said identification quality score assigned to each said retrieved identification information unit; generating an identification quality indicator for each retrieved identification quality score assigned to each said retrieved identification information unit; transmitting each said retrieved information unit and each said generated identification quality indicator assigned thereto to said point of identification terminal over said communications link; comparing each said received identification information unit with a corresponding identification information unit physically presented by the person being identified at said point of identification and determining if a match exists between at least one received identification information unit and said physically presented identification information unit; displaying at least said identification quality indicator associated with said received identification information unit corresponding to said identification information unit physically presented by the person being identified on a point of identification terminal display; reviewing said displayed identification quality indicator to identify non cash-based financial transaction where heightened identification scrutiny is required; and storing said matching identification information unit along with transaction information as a transaction record.

Claim 21

A method of assessing the identity of a person initiating a non cash-based financial instrument transaction comprising the steps of: accepting a non cash financial instrument from a person initiating said non cash-based financial transaction, said non cash-based financial instrument including an account number identifying a financial account from which funds necessary to complete said non cash-based financial transaction may be drawn; inputting said account number into a point of identification terminal; establishing a communications link between said point of identification terminal and a remote database site, said database site having stored therein an identification database comprising a plurality of identification information units and an identification quality score database comprising a plurality of identification quality scores, wherein each said identification information unit is mapped to at least one account number, said identification information units corresponding to persons authorized to initiate financial transactions using said financial account and wherein each identification quality score is mapped to a corresponding identification information unit; transmitting said account number from said point of identification terminal to said remote database site over said communications link; searching said identification database and retrieving at least one identification information unit stored in said identification database, which is mapped to said transmitted account number; searching said identification quality score database and retrieving said identification quality score assigned to each said retrieved identification information unit; generating an identification quality indicator for each retrieved identification quality score assigned to each said retrieved identification information unit; transmitting each said retrieved information unit and each said generated identification quality indicator assigned thereto to said point of identification terminal over said communications link; comparing each said received identification information unit with a corresponding identification information unit physically presented by the person being identified at said point of identification and determining if a match exists between at least one received identification information unit and said physically presented identification information unit; displaying at least said identification quality indicator associated with said received identification information unit corresponding to said identification information unit physically presented by the person being identified on a point of identification terminal display; reviewing said displayed identification quality indicator to identify non cash-based financial transaction where heightened identification scrutiny is required; and storing said matching identification information unit along with transaction information as a transaction record.

Claim 24

A system for assessing the quality of an identification transaction comprising: a remote database site having stored therein an identification database, including a plurality of identification information units corresponding to a plurality of persons to be identified, at least two identification information units corresponding to each said person, and an identification quality score database, including an identification quality score assigned to each identification information unit stored in said identification database; a point of identification terminal including an input device configured to input a first identification information unit received from a person to be identified at said point of identification terminal, said first identification information unit corresponding to at least one of said plurality of identification information units stored in said identification database at said remote database site, said point of identification terminal further including a display device for displaying at least a second identification information unit and an identification quality score assigned thereto; and a means for communicating between said point of identification terminal and said remote database site to allow said identification information units and identification quality scores to be transmitted therebetween.

Claim 25

A system for assessing the quality of an identification transaction comprising: a remote database site having stored therein an identification database, including a plurality of identification information units corresponding to a plurality of persons to be identified, at least two identification information units corresponding to each said person, and an identification quality score database, including an identification quality score assigned to each identification information unit stored in said identification database; a point of identification terminal including an input device configured to input a first identification information unit received from a person to be identified at said point of identification terminal, said first identification information unit corresponding to at least one of said plurality of identification information units stored in said identification database at said remote database site, said point of identification terminal further including a display device for displaying at least a second identification information unit and an identification quality score assigned thereto; and a means for communicating between said point of identification terminal and said remote database site to allow said identification information units and identification quality scores to be transmitted therebetween.