Patent ID: 7756783
Filing Date: 2010-07-13
Classification: G06F,G06Q

Abstract:
1. A method comprising: obtaining, at a registration server system from a first financial organization, a first financial account registration request, the first financial account registration request including first personally identifiable information for an accountholder of a first financial account managed by the first financial organization, wherein the registration server system includes a processor; determining, by the registration server system, an internal identity identifier for the accountholder based on the first personally identifiable information in the first financial account registration request; generating, by the registration server system, a first account identifier that is associated with the internal identity identifier; transmitting by the registration server system to the first financial organization the first account identifier; transmitting, by the registration server system, to a fraud clearinghouse server system a communication including the first account identifier and the internal identity identifier, wherein the fraud clearinghouse server system includes a processor; obtaining, at the fraud clearinghouse server system, from the first financial organization a first transaction description record for the first financial account, the first transaction description record including (i) the first account identifier and (ii) first transaction information indicative of a first financial performance for the first financial account; identifying, by the fraud clearinghouse server system, a first profile for the first financial account by identifying a profile that is associated with the obtained first account identifier; updating, by the fraud clearinghouse server system, the first profile using the first transaction information indicative of the first financial performance for the first financial account; identifying, by the fraud clearinghouse server system, the internal identity identifier as associated with the obtained first account identifier; identifying, by the fraud clearinghouse server system, other profiles for the accountholder at financial organizations independent of the first financial organization by identifying profiles associated with the internal identity identifier; and transmitting, by the fraud clearinghouse server system, to the first financial organization, the updated profile and the other profiles.