Patent Document ID: 8484132
Application ID: 13491786
Patent Flag: 1

Claim One:
1. A method comprising executing computer executable instructions by one or more processors for determining fraud risk associated with a credit application, the method further comprising: receiving applicant information associated with the application; searching, by one or more computer processors, one or more consumer identity data repositories for prior usage of the applicant information; generating, by the one or more computer processors, a plurality of identity characteristics corresponding to the prior usage of the applicant information; assigning the application to one of a plurality of segments based at least in part on the searching, wherein assigning the application to at least one of the plurality of segments is based at least in part on applicant identity information that has only been reported by credit bureau sources; scoring, by the one or more computer processors, the application with a predictive scoring model that uniquely corresponds to one or more of the plurality of segments for which the application is assigned to determine a risk score based at least in part on the identity characteristics, wherein the risk score provides an indication of a fraudulent application; determining, by the one or more computer processors, identity fraud risk types associated with the application based at least in part on the identity characteristics; and outputting, by the one or more computer processors, the risk score and one or more indicators of the determined identity fraud risk types.