US6704787B1 — Date of birth authentication system and method us…

Claim 1

Independent Claim 199 words

A method comprising the steps of: an access code issuer using a first system receiving an on-line application for an access code from a potential subscriber on a computer network, said on-line application comprising potential subscriber information including geographic information; using said potential subscriber information to query a second system that is off-site of the first system, that contains a database of information that was not gathered by or supplied by the access code issuer, and that is managed by a party that is different from the access code issuer; receiving from said off-site database a date of birth associated with said potential subscriber information; determining whether said geographic information from said potential subscriber matches geographic information associated with said date of birth within said database; determining from said date of birth whether said potential subscriber is of a predetermined age for obtaining access to information available from a plurality of information providers on said computer network; providing an access code to said potential subscriber if said potential subscriber is of said predetermined age as determined from said date of birth; and providing verification to said plurality of information providers that said access code is a valid access code.

Claim 2

Independent Claim 199 words

A method comprising the steps of: an access code issuer using a first system receiving an on-line application for an access code from a potential subscriber on a computer network, said on-line application comprising potential subscriber information including geographic information; using said potential subscriber information to query a second system that is off-site of the first system, that contains a database of information that was not gathered by or supplied by the access code issuer, and that is managed by a party that is different from the access code issuer; receiving from said off-site database a date of birth associated with said potential subscriber information; determining whether said geographic information from said potential subscriber matches geographic information associated with said date of birth within said database; determining from said date of birth whether said potential subscriber is of a predetermined age for obtaining access to information available from a plurality of information providers on said computer network; providing an access code to said potential subscriber if said potential subscriber is of said predetermined age as determined from said date of birth; and providing verification to said plurality of information providers that said access code is a valid access code.

Claim 3

Dependent Claim 16 words

The method of claim 1 wherein said off-site database is a database comprising consumer credit information.

Claim 4

Dependent Claim 16 words

The method of claim 1 wherein said information providers provide senior citizen discounts for on-line purchases.

Claim 5

Dependent Claim 13 words

The method of claim 1 wherein said information providers provide age-specific educational content.

Claim 6

Dependent Claim 13 words

The method of claim 1 wherein said information providers provide age-specific entertainment content.

Claim 7

Dependent Claim 24 words

The method of claim 1 wherein said predetermined age is 18 years or over, and said information providers maintain website which include adult entertainment.

Claim 8

Dependent Claim 32 words

The method of claim 3 wherein said potential subscriber information includes an electronic communications address, the method further including the step of: evaluating whether said electronic communications address is a valid address.

Claim 9

Independent Claim 228 words

A method for performing on-line age verification by querying an off-site database comprising the steps of: an access code issuer using a first system receiving on-line first information from a potential subscriber; transmitting a first query to a second system that is off-site from the first system, that contains a database not gathered by or supplied by the access code issuer, and that is managed by a party that is different from the access code issuer, using said first information from said potential subscriber; receiving a first at least one record of information from said database including geographic information associated with said potential subscriber; verifying said first record of information is associated with said potential subscriber; transmitting a second query to said database using said first information from said potential subscriber and said geographic information associated with said potential subscriber from said database; receiving a second at least one record of information from said database including a date of birth associated with said potential subscriber; verifying said second record of information is associated with said potential subscriber; determining from said date of birth whether said potential subscriber qualifies for obtaining access to information available from at least one information provider on a computer network; providing an access code to said potential subscriber; and providing verification to said at least one information provider that said access code is valid.

Claim 10

Independent Claim 228 words

A method for performing on-line age verification by querying an off-site database comprising the steps of: an access code issuer using a first system receiving on-line first information from a potential subscriber; transmitting a first query to a second system that is off-site from the first system, that contains a database not gathered by or supplied by the access code issuer, and that is managed by a party that is different from the access code issuer, using said first information from said potential subscriber; receiving a first at least one record of information from said database including geographic information associated with said potential subscriber; verifying said first record of information is associated with said potential subscriber; transmitting a second query to said database using said first information from said potential subscriber and said geographic information associated with said potential subscriber from said database; receiving a second at least one record of information from said database including a date of birth associated with said potential subscriber; verifying said second record of information is associated with said potential subscriber; determining from said date of birth whether said potential subscriber qualifies for obtaining access to information available from at least one information provider on a computer network; providing an access code to said potential subscriber; and providing verification to said at least one information provider that said access code is valid.

Claim 11

Dependent Claim 38 words

The method according to claim 8 , further comprising the step of: requesting on-line from said database a credit header for each said at least one record of information associated with said first information from said potential subscriber.

Claim 12

Dependent Claim 20 words

The method according to claim 9 , wherein said credit header comprises age determination information associated with said potential subscriber.

Claim 13

Dependent Claim 34 words

The method according to claim 8 , wherein said verification comprises notifying said at least one information provider that said access code was provided to said potential subscriber based on said potential subscriber's age.

Claim 14

Independent Claim 215 words

A method for performing on-line demographic verification comprising the steps of: an access code issuer using a first system receiving on-line first information from a potential subscriber; transmitting on-line a first query to a second system that is off-site from the first system, that contains a database not gathered by or supplied by the access code issuer, and that is managed by a party that is different from the access code issuer, using said first information from said potential subscriber, said first query including geographic information associated with said potential subscriber; determining no record of information was found in said database from said first information associated with said potential subscriber; requesting on-line second information from said potential subscriber; transmitting on-line a second query to an off-site database using said second information from said potential subscriber, receiving on-line at least one first record of information from said database including a date of birth associated with said potential subscriber; verifying said at least one first record of information is associated with said potential subscriber; determining from said at least one first record of information whether said potential subscriber has a correct demographic for obtaining access to information available from at east one information provider on a computer network; and providing an access code to said potential subscriber.

Claim 15

Independent Claim 215 words

A method for performing on-line demographic verification comprising the steps of: an access code issuer using a first system receiving on-line first information from a potential subscriber; transmitting on-line a first query to a second system that is off-site from the first system, that contains a database not gathered by or supplied by the access code issuer, and that is managed by a party that is different from the access code issuer, using said first information from said potential subscriber, said first query including geographic information associated with said potential subscriber; determining no record of information was found in said database from said first information associated with said potential subscriber; requesting on-line second information from said potential subscriber; transmitting on-line a second query to an off-site database using said second information from said potential subscriber, receiving on-line at least one first record of information from said database including a date of birth associated with said potential subscriber; verifying said at least one first record of information is associated with said potential subscriber; determining from said at least one first record of information whether said potential subscriber has a correct demographic for obtaining access to information available from at east one information provider on a computer network; and providing an access code to said potential subscriber.

Claim 16

Dependent Claim 191 words

An electronic age verification process for electronically verifying the age of an individual over a computer network including: a. a first entity using a first system receiving geographic information about the individual and a name of the individual; b. formulating a query containing at least the geographic information and the name of the individual; c. delivering the query into a computer network for delivery to a second system that is off-site from the first system, that contains a database that contains database information about individuals, including age information, that was not gathered by or supplied by the first entity, and that is managed by a second entity that is different from the first entity; d. receiving a response to the query from the third party that includes age information about the individual that was derived from a match between the geographic information and the name in the query and the database information in the database; e. taking a first action if the age information meets a pre-determined criteria; and f. taking a second action that is different from the first action if the age information does not meet the pre-determined criteria.

Claim 17

Dependent Claim 191 words

An electronic age verification process for electronically verifying the age of an individual over a computer network including: a. a first entity using a first system receiving geographic information about the individual and a name of the individual; b. formulating a query containing at least the geographic information and the name of the individual; c. delivering the query into a computer network for delivery to a second system that is off-site from the first system, that contains a database that contains database information about individuals, including age information, that was not gathered by or supplied by the first entity, and that is managed by a second entity that is different from the first entity; d. receiving a response to the query from the third party that includes age information about the individual that was derived from a match between the geographic information and the name in the query and the database information in the database; e. taking a first action if the age information meets a pre-determined criteria; and f. taking a second action that is different from the first action if the age information does not meet the pre-determined criteria.

Claim 18

Dependent Claim 30 words

The electronic age verification process of claim 13 wherein: a. the personal information includes credit card information; and b. the first action includes allowing the individual to make a purchase.

Claim 19

Dependent Claim 18 words

The electronic age verification process of claim 13 wherein the age information is the age of the individual.

Claim 20

Dependent Claim 20 words

The electronic age verification process of claim 13 wherein the age information is the date of birth of the individual.

Claim 21

Dependent Claim 27 words

The electronic age verification process of claim 13 wherein the age information is whether the age of the individual does or does not meet a pre-determined criteria.

Claim 22

Dependent Claim 22 words

The electronic age verification process of claim 13 wherein the predetermined criteria is whether the individual is at least a certain age.

Claim 23

Dependent Claim 36 words

The electronic age verification process of claim 13 wherein the first action includes granting the individual access to a portion of a website that the individual would not be granted access to by the second action.

Claim 24

Dependent Claim 23 words

The electronic age verification process of claim 19 wherein the portion of the website contains adult-oriented material not suitable for viewing by children.

Claim 25

Dependent Claim 17 words

The electronic age verification process of claim 13 wherein the first action includes providing an access code.

Claim 26

Dependent Claim 31 words

The electronic age verification process of claim 13 wherein the first action includes displaying promotional material to the individual that would not be displayed to the individual by the second action.

Claim 27

Dependent Claim 14 words

The electronic age verification process of claim 13 wherein the network includes the Internet.

Annuity Stage	Window Opens	Payment Deadline	Surcharge Period Until	Estimated Fee	Status
3.5 Years (Year 4)	2007-03-09	2007-09-08	2008-03-09	$2000.00	Window Closed / Lapsed
7.5 Years (Year 8)	2011-03-09	2011-09-08	2012-03-09	$3760.00	Window Closed / Lapsed
11.5 Years (Year 12)	2015-03-09	2015-09-08	2016-03-09	$7700.00	Window Closed / Lapsed

Date of birth authentication system and method using demographic and/or geographic data supplied by a subscriber that is verified by a third party

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