Abstract: This document discloses fully-integrated consumer credit management and identity theft detection, protection and resolution systems, methods, and computer program products. These solutions enable consumers to manage the entire lifecycle of their credit profile and personal identity through a simple integrated application that combines credit management, credit monitoring, identity theft detection, and identity restoration. The credit management and identity theft protection system integrates the complexities of credit reports and identity theft protection into a single solution giving consumers more control over their financial future than conventional systems.

Abstract: A method of and system for identifying a target form for increased efficiency in an automated data capture process is described. Forms are scanned and stored as digitized images. Regions are defined on the form relative to corresponding reference points between the form and the digitized image. The regions are defined in areas that contain anticipated digitized data from data fields of the form. Digitized data is recognized through such means as optical character recognition (OCR) and the resulting string variable is compared in form to a plurality of formats expected for that data. Scoring systems are used to obtain a resultant score for a number of string variables which is compared to a predetermined confidence number. If said confidence number is reached, the form is flagged as a target form and used in the data capture process. A first step identification of certain graphical features can be added as an initial determination as to the source of the form.

Abstract: A method and system for recognizing alphabetic characters that contain diacritics is described. An image analysis separates the character into its constituent components. The one or more diacritic components are then distinguished and isolated from the base portion of the character. Optical recognition is performed separately on the base portion. The diacritic is recognized through a special image analysis and pattern recognition algorithms. The image analysis extracts geometric information from the one or more diacritic components. The extracted information is used as input for the pattern recognition algorithms. The output is a code that corresponds to a particular diacritic. The recognized base portion and diacritic are combined and a check is performed for acceptable combinations in a chosen language. By separately recognizing the base portion and diacritic, the character sets used by the recognizer can be narrowed, resulting in greater recognition.