Importance

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Abstract

Biometric facial comparison is deployed in a novel way to improve screening of applicants across multiple branch locations, preventing common forms of application fraud. The biometric facial comparison software is located at a computing location (20), readily accessible from a first applicant screening branch (30) and a subsequent applicant screening branch (40), by means of a communication network (10). The biometric facial screening is fast, affordable, nonintrusive, and takes place in person in the branch. Even if false identification documents are used, perpetrators will be automatically detected as they attempt to go from branch to branch making bogus transactions. Patterns of fraudulent behavior are detected even if no prior transaction is yet known to be fraudulent, and even if the applicant's face does not match the face of any known perpetrator. Although the first fraudulent transaction will generally not be immediately detected, detection will occur before any subsequent transaction are processed or approved.

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First Claim