Abstract: Systems and methods are disclosed for detecting certain online activities associated with a digital identity. A Digital Identity Network may be monitored for potentially fraudulent activities (such as new account openings and certain transactions) related to an enrolled User identification (User ID) without requiring personally identifying information (PII). Corresponding alerts may be generated and sent to inform the associated user of such suspicious activity so that fraudulent account access or transactions may be prevented.

Abstract: Systems and methods for estimating current roof conditions and potential underwriting risk using insurance claim data. Historical claims for confirmed weather-damaged homes may be clustered by claims stemming from one or more weather events to determine potential areas where damage has occurred, but a claim has not yet been filed. In certain implementation, claims for weather-related vehicle damage may be utilized to predict weather-related roof damage.

Abstract: The disclosure provides an efficient dataset search and/or deduplication that improve the speed and efficiency of dataset record search and/or deduplication over traditional methods. Certain implementations apply field-level deletion neighborhood processing to ordered field permutations of dataset records encoded with hash values. A method includes determining a field-level deletion neighborhood for two or more field combinations of the record by determining field hash values, creating field permutations, determining combined record hash values for each permutation; and associating each record hash value to the unique entity identifier. The method includes searching other entity representation records for matching combined record hash values, and assigning one or more of a unique entity identifier and a duplicate entity identifier to the other entity representation records having the matching combined record hash values.

Abstract: Systems and methods are disclosed for detecting certain online activities associated with a digital identity. A Digital Identity Network may be monitored for potentially fraudulent activities (such as new account openings and certain transactions) related to an enrolled User identification (User ID) without requiring personally identifying information (PII). Corresponding alerts may be generated and sent to inform the associated user of such suspicious activity so that fraudulent account access or transactions may be prevented.

Abstract: Systems and methods are disclosed for detecting certain online activities associated with a digital identity. A Digital Identity Network may be monitored for potentially fraudulent activities (such as new account openings and certain transactions) related to an enrolled User identification (User ID) without requiring personally identifying information (PII). Corresponding alerts may be generated and sent to inform the associated user of such suspicious activity so that fraudulent account access or transactions may be prevented.

Abstract: Certain implementations include systems and methods for improving knowledge-based-authentication (KBA) identity authentication questions.

Abstract: The disclosure provides an efficient dataset search and/or deduplication that improve the speed and efficiency of dataset record search and/or deduplication over traditional methods. Certain implementations apply field-level deletion neighborhood processing to ordered field permutations of dataset records encoded with hash values. A method includes determining a field-level deletion neighborhood for two or more field combinations of the record by determining field hash values, creating field permutations, determining combined record hash values for each permutation; and associating each record hash value to the unique entity identifier. The method includes searching other entity representation records for matching combined record hash values, and assigning one or more of a unique entity identifier and a duplicate entity identifier to the other entity representation records having the matching combined record hash values.

Abstract: The disclosed technology includes systems and methods for identifying synthetic identities among a population of entity representations in an electronic database.

Abstract: A combination of target images and control images are presented to a user device for selection by the user. Based on a correct selection of images that the user either recognizes or does not recognize, the user may be authenticated. Target images have some connection to a legitimate user in a way that a legitimate user may recognize the target image. Control images have no known connection to the legitimate user, such that they would not typically be recognized by the legitimate user. The legitimacy of a user may be determined based on images selected and/or not selected, depending on accompanying instructions for selection.

Abstract: Certain implementations include systems and methods for improving knowledge-based-authentication (KBA) identity authentication questions.

Abstract: Systems and methods are disclosed for identity authentication using credit card information supplied by a subject with independently determined address information. According to an example implementation, a method is provided that can include receiving, from a client, personally identifying information (PII) related to a subject, where the PII includes at least a subject-supplied name and subject-supplied credit card information. The method can include querying one or more public or private databases with the PII, and receiving, in response to the querying, independent occupancy address information related to the subject. The method can include requesting credit card verification from an authorizing entity, where the requesting includes sending the subject-supplied credit card information and the independent occupancy address information to the authorizing entity.

Abstract: A combination of target images and control images are presented to a user device for selection by the user. Based on a correct selection of images that the user either recognizes or does not recognize, the user may be authenticated. Target images have some connection to a legitimate user in a way that a legitimate user may recognize the target image. Control images have no known connection to the legitimate user, such that they would not typically be recognized by the legitimate user. The legitimacy of a user may be determined based on images selected and/or not selected, depending on accompanying instructions for selection.

Abstract: Certain implementations include systems and methods for improving knowledge-based-authentication (KBA) identity authentication questions.

Abstract: Certain example embodiments of the disclosed technology may include systems and methods for telematics monitoring. An example method is provided that includes receiving, at a mobile computing device, and from a Vehicle Identification Unit (VIU), identification (ID) data representing a first vehicle. The method further includes receiving, by the mobile computing device, sensor data from one or more sensors associated with the mobile computing device. Certain embodiments may further include receiving, at an Operational Measurement Unit (OMU), an operation indication associated with the first vehicle. The OMU may include an operational measurement component configured to advance an operational count in response to receiving the operation indication. Certain example embodiments may include transmitting telematics data by the mobile computing device. In certain embodiments, the telematics data may include least a portion of one or more of the ID data, the sensor data, and/or the operational count data.

Abstract: Certain implementations include systems and methods for combined one-time-passcode (OTP) and knowledge-based-authentication (KBA) identity authentication.

Abstract: Certain implementations of the disclosed technology may include systems and methods for multi-stage identity authentication. A method is provided that includes receiving a set of identity information associated with a subject and querying one or more public or private databases with at least a portion of the set of identity information. The method includes receiving independent information responsive to the querying. The method includes determining zero or more first indicators of fraud risk and producing one or more identity proofing queries derived from the independent information. Based at least in part on a comparison of the one or more proofing queries and a query response, the method includes determining zero or more second indicators of fraud risk and evaluating a fraud score. Responsive to evaluating the fraud score, the method includes initiating one or more of authentication enrollment and multi-factor authentication of the subject.

Abstract: Certain implementations of the disclosed technology include systems and methods for determining a reachability score of a phone number. A method includes receiving personally identifiable information associated with the subject; querying one or more public or private databases with the personally identifiable information; receiving, in response to the querying, phone number information related to the personally identifiable information; extracting, from the phone number information, one or more phone numbers associated with the subject; determining, with one or more computer processors, based at least in part on the one or more phone numbers, a phone type corresponding to the respective one or more phone numbers; determining, with the one or more computer processors, a reachability score for at least one of the one or more phone numbers, wherein the reachability score is based, at least in part, on the phone type; and outputting an indication of the reachability score.

Abstract: Certain implementations of the disclosed technology include systems and methods for determining a reachability score of a phone number. A method includes receiving personally identifiable information associated with the subject; querying one or more public or private databases with the personally identifiable information; receiving, in response to the querying, phone number information related to the personally identifiable information; extracting, from the phone number information, one or more phone numbers associated with the subject; determining, with one or more computer processors, based at least in part on the one or more phone numbers, a phone type corresponding to the respective one or more phone numbers; determining, with the one or more computer processors, a reachability score for at least one of the one or more phone numbers, wherein the reachability score is based, at least in part, on the phone type; and outputting an indication of the reachability score.

Abstract: Certain implementations include systems and methods for combined one-time-passcode (OTP) and knowledge-based-authentication (KBA) identity authentication.

Abstract: Certain implementations of the disclosed technology may include systems and methods for multi-stage identity authentication. A method is provided that includes receiving a set of identity information associated with a subject and querying one or more public or private databases with at least a portion of the set of identity information. The method includes receiving independent information responsive to the querying. The method includes determining zero or more first indicators of fraud risk and producing one or more identity proofing queries derived from the independent information. Based at least in part on a comparison of the one or more proofing queries and a query response, the method includes determining zero or more second indicators of fraud risk and evaluating a fraud score. Responsive to evaluating the fraud score, the method includes initiating one or more of authentication enrollment and multi-factor authentication of the subject.