Method and System for Preventing and Detecting Identity Theft

Abstract

A system, method and computer program product for receiving information relating to a financial account of an individual from at least one first data provider; receiving information relating to at least one of an identity theft expense reimbursement insurance policy of the individual, a public information relating to the individual, an identity theft risk score of the individual, a credit card registry of the individual, a backup data relating to the individual, a background information of the individual, and a business report relating to the individual, from at least one second data provider, and preparing a report relating to the individual's identity theft based on the information.

1 . A computer-implemented method comprising:
 sending, by a first computing system, content to be displayed via a first graphical user interface of a second computing system:
 financial monitoring data providers; 
 public information data providers; and 
 a cost amount associated with analyzing information obtained from the financial monitoring data providers and from the public information data providers; 
   receiving, by the first computing system based on user interactions with the first graphical user interface:
 a first selection of the financial monitoring data providers and 
 a second selection of the public information data providers; 
   receiving, by the first computing system from a financial monitoring data provider corresponding to the first selection, financial information relating to a user of the second computing system and, from a public information data provider corresponding to the second selection, public information relating to the user of the second computing system;   retrieving, from a storage, stored public information relating to the user received from the selected public information data provider;   determining whether a difference between the received public information and the stored public information relating to the user, satisfies a threshold;   sending, from the first computing system based on the determination of the difference satisfying the threshold, an alert to the second computing system;   generating, by the first computing system based on the determination of the difference satisfying the threshold, a report relating to a risk threshold of the user; and   causing, based on the report and via a second graphical user interface of the second computing system, display of the report.   
     
     
         2 . The computer-implemented method of  claim 1 , wherein the financial information relating to the user includes:
 a direct deposit account (DDA) of the user,   a DDA monitoring of the user,   a brokerage account of the user, and/or   a monitoring of a credit card of the user.   
     
     
         3 . The computer-implemented method of  claim 1 , wherein the first computing system comprises a server communicatively connected, via a network, to the second computing system. 
     
     
         4 . The computer-implemented method of  claim 1 , wherein the alert is sent via email, telephone, text message, regular mail, or facsimile. 
     
     
         5 . The computer-implemented method of  claim 1 , further comprising:
 sending, by the first computing system, a first request to receive the financial information relating to the user from the selected financial monitoring data provider; and   sending, by the first computing system, a second request to receive the public information related to the user from the selected public information data provider.   
     
     
         6 . The computer-implemented method of  claim 1 , wherein the determining the difference comprises:
 determining whether a first difference exists between the received public information and the stored public information; and   determining, for the user, a user-selected threshold,   wherein the determination is further based on the first difference and the user-selected threshold.   
     
     
         7 . The computer-implemented method of  claim 1 , further comprising:
 periodically monitoring, for changes in information relating to the user, information from the selected financial monitoring data provider and the selected public information data provider.   
     
     
         8 . The computer-implemented method of  claim 1 , wherein the receiving the financial information relating to the user further comprises receiving credit information related to the user, the computer-implemented method further comprising:
 retrieving, from the storage, stored credit information relating to the user; and   determining, based on the received credit information, whether a second difference between the received credit information and the stored credit information relating to the user, satisfies a second threshold,   wherein the sending the alert is further based on a determination that the second difference satisfies the second threshold.   
     
     
         9 . An apparatus comprising:
 one or more processors;   memory storing instructions that, when executed by the one or more processors, cause the apparatus to:
 send content to be displayed via a first graphical user interface of a user computing system:
 financial monitoring data providers; 
 public information data providers; and 
 a cost amount associated with analyzing information obtained from the financial monitoring data providers and from the public information data providers; 
 
 receive, based on user interactions with the first graphical user interface:
 a first selection of the financial monitoring data providers; and 
 a second selection of the public information data providers; 
 
 receive, from a financial monitoring data provider corresponding to the first selection, financial information relating to a user of the user computing system and, from a public information data provider corresponding to the second selection, public information relating to the user of the user computing system; 
 retrieve, from a storage, stored public information relating to the user; 
 determine whether a difference between the received public information and the stored public information relating to the user, satisfies a threshold; 
 send, based on a determination of the difference satisfying the threshold, an alert to the user computing system; 
 generate, based on the determination of the difference satisfying the threshold, a report relating to a risk threshold of the user; and 
 cause, based on the report and via a second graphical user interface of the user computing system, display of the report. 
   
     
     
         10 . The apparatus of  claim 9 , wherein the financial information relating to the user includes:
 a direct deposit account (DDA) of the user,   a DDA monitoring of the user,   a brokerage account of the user, and/or   a monitoring of a credit card of the user.   
     
     
         11 . The apparatus of  claim 9 , wherein the alert is sent via email, telephone, text message, regular mail, or facsimile. 
     
     
         12 . The apparatus of  claim 9 , wherein the instructions, when executed by the one or more processors, further cause the apparatus to:
 send a first request to receive the financial information relating to the user from the selected financial monitoring data provider; and   send a second request to receive the public information related to the user from the selected public information data provider.   
     
     
         13 . The apparatus of  claim 9 , wherein the instructions to determine the difference, when executed by the one or more processors, further cause the apparatus to:
 determine whether a first difference exists between the received public information and the stored public information; and   determine, for the user, a user-selected threshold,   wherein the determination is further based on the first difference and the user-selected threshold.   
     
     
         14 . The apparatus of  claim 9 , wherein the instructions, when executed by the one or more processors, further cause the apparatus to:
 periodically monitor, for changes in information relating to the user, information from the selected financial monitoring data provider and the selected public information data provider.   
     
     
         15 . The apparatus of  claim 9 , wherein the instructions to receive the financial information, when executed by the one or more processors, further cause the apparatus to:
 receive, from the storage, stored credit information relating to the user; and   determine, based on the received credit information, whether a second difference between the received credit information and the stored credit information relating to the user, satisfies a second threshold,   wherein the instructions to send the alert are further based on a determination that the second difference satisfying the second threshold.   
     
     
         16 . One or more non-transitory media storing instructions that, when executed by one or more processors, cause the one or more processors to perform steps comprising:
 sending, by a first computing system, content to be displayed via a first graphical user interface of a second computing system:
 financial monitoring data providers; 
 public information data providers; and 
 a cost amount associated with analyzing information obtained from the financial monitoring data providers and from the public information data providers; 
   receiving, by the first computing system based on user interactions with the first graphical user interface:
 a first selection of the financial monitoring data providers and 
 a second selection of the public information data providers; 
   receiving, by the first computing system from a financial monitoring data provider corresponding to the first selection, financial information relating to a user of the second computing system and, from a public information data provider corresponding to the second selection, public information relating to the user of the second computing system;   retrieving, from a storage, stored public information relating to the user received from the selected public information data provider;   determining whether a difference between the received public information and the stored public information relating to the user, satisfies a threshold;   sending, from the first computing system based on the determination of the difference satisfying the threshold, an alert to the second computing system;   generating, by the first computing system based on the determination of the difference satisfying the threshold, a report relating to a risk threshold of the user; and   causing, based on the report and via a second graphical user interface of the second computing system, display of the report.   
     
     
         17 . The one or more non-transitory media of  claim 16 , wherein the financial information relating to the user includes:
 a direct deposit account (DDA) of the user,   a DDA monitoring of the user,   a brokerage account of the user, and/or   a monitoring of a credit card of the user.   
     
     
         18 . The one or more non-transitory media of  claim 16 , wherein the first computing system comprises a server communicatively connected, via a network, to the second computing system. 
     
     
         19 . The one or more non-transitory media of  claim 16 , wherein the alert is sent via email, telephone, text message, regular mail, or facsimile. 
     
     
         20 . The one or more non-transitory media of  claim 16 , wherein the instructions, when executed by the one or more processors, cause the one or more processors to perform further steps comprising:
 sending, by the first computing system, a first request to receive the financial information relating to the user from the selected financial monitoring data provider; and   sending, by the first computing system, a second request to receive the public information related to the user from the selected public information data provider.