Patent ID: 8239325

Claim:
An identity verification system provided to verify the identity of a user associated with a phone bill that can be used as a payment method, the system comprising: a processor; and a memory including instructions which cause the processor to implement: a communications module configured to receive, at a verification computer system, a billing telephone number and a user-supplied private data segment, the user-supplied private data segment corresponding to a date of birth of a user, wherein the billing telephone number indicates that a user has selected an associated phone bill as a payment method; an address detector configured to use the received billing telephone number to obtain, from an address service computer system, a street address associated with the user; a private data processing module configured to obtain, from a personal data computer system, one or more identification records, utilizing the obtained street address; and a matching module configured to compare the one or more identification records obtained from the personal data computer system with the user-supplied private data segment to generate a match result, the address service computer system and the personal data computer system being third party computer systems.