Patent Document ID: 8762288
Application ID: 12428348
Patent Status: 1

Claim One:
1. A method of establishing an identity confidence score, the method comprising: gathering, at a computer system, a first set of identity information about a customer from a physical location, wherein the first set of identify information is obtained from the customer in-person at the physical location by the customer presenting a physical form of identification to a representative of an entity associated with the physical location, wherein a type of physical location includes one or more of the following: an agent location, a utility provider office, or a government office, and a type of physical form of identification includes one or more of the following: a government identification or a utility bill; gathering, at the computer system, a second set of identity information about the customer from a remote interaction, wherein the second set of identity information is obtained from the customer at the remote interaction by the customer presenting an electronic form of identification through an electronic medium, wherein a type of remote location includes one or more of the following: a website, a mobile wallet transaction, a transaction from a portable device, or an automated teller machine (ATM) transaction, and a type of electronic form of identification includes one or more of the following: a photograph from the portable device, a telephone number, or an identification number, wherein the first and second set of identity information comprise: form of identification, location of transaction, and type of transaction; determining, at the computer system, a first reliability of the first set of identify information based on the location of the first transaction, the type of the first transaction and form of identification used in the first transaction; determining, at the computer system, a second reliability of the second set of identify information based on the location of the second transaction, the type of the second transaction and form of identification used in the second transaction; based on the first set of identity information being more reliable for identifying the customer than the second set of identity information, ranking, in real time, each of the first set of identify information and the second set of identify information, wherein the first set of identify information is ranked as a higher rate than the second set of identify information; based on the first set of identity information and the second set of identity information, ranking, in real time, the new identity information, the first set of identity information, and the second set of identify information, each time that new identity information is gathered about the customer; in response to the ranking of identity information for the customer, dynamically updating, at the computer system, an identity profile for the customer with the gathered ranked first set of identity information, second set of identity information, and the new identity information; and based on the ranking of the gathered first set of identity information, second set of identity information, and the new identity information, generating, at the computer system, an identity confidence score associated with the customer, wherein the identity confidence score comprises an indication of an overall level of confidence in the identity of the customer, wherein the overall level of confidence is based on an aggregation of the rankings of the first set of identity information, the second set of identity information, and the new identity information in order to provide confidence in the identity of the customer.