Patent ID: 7458508

Claim:
A method for determining a likelihood of fraud associated with an input identity record, comprising: receiving an identity record comprising identity related information, wherein the received identity record comprises fields configured to store the identity related information, and wherein the fields form nodes; retrieving identity records from a database of identity records generated from a plurality of identity records received from a plurality of client institutions; linking the received identity record with the retrieved identity records based on the identity related information, wherein the plurality of linked identity records are stored as a graphical network, and wherein the graphical network comprises a plurality of graphs defined by sets of nodes and sets of edges composed of pairs of nodes sharing a common characteristic; evaluating the received identity record using the linked, retrieved identity records; generating a fraud score indicative of the likelihood of fraud associated with the input identity record based on the evaluation of the received identity record; returning the fraud score to a client institution; receiving updated identity related information from the client institution based on challenge response interrogations initiated in response to the generated fraud score; and providing enhanced indication of the likelihood of fraud associated with the input identity record.