Thomas J Mclaughlin

US Patent:

20120330689, Dec 27, 2012

Filed:

Jun 21, 2012

Appl. No.:

13/529028

Inventors:

Thomas J. McLaughlin - Phoenix AZ, US
Janis E. Simm - Scottsdale AZ, US

Assignee:

Early Warning Services, LLC - Scottsdale AZ

International Classification:

G06Q 40/08

US Classification:

705 4

Abstract:

Systems and methods of the present invention detect and/or deter individuals who may be collecting or intending to collect unemployment insurance (UI) benefits and simultaneously receive pay from an employer. Embodiments identify, during either initial screening of a UI applicant or on an ongoing basis for current recipients, those individuals who would seek to defraud UI programs by receiving improper payments. Methods include locating account information in databases from one or more (preferably, a plurality) of financial service organizations pertaining to deposit (or other) accounts for an individual applying for benefits, analyzing deposit transactions into those accounts, determining whether the individual is likely to be receiving deposits from employment or wages, and providing information to an entity such as a government agency regarding likely employment deposits for the individual.