2D Barcode Enrollment After In-Person Identity Verification
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Solution Overview
Problem
Users with limited technical skills face difficulties in enrolling in online services due to complex authentication processes, leading to many being unable to access online services.
Innovation Solution
A system that enables online enrollment through in-person identity authentication using a 2D barcode generated during a transaction at a physical establishment, which is scanned to initiate the enrollment process without additional user authentication.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If traditional online enrollment processes are used, then security and authentication are maintained, but users with limited technical skills cannot complete enrollment
Solution Approach 1:
The system performs authentication preliminarily at the physical establishment before the user attempts online enrollment. The user's identity is verified in-person by a bank employee, and the enrollment process is pre-configured with the user's account information. This preliminary authentication eliminates the need for users to navigate complex online authentication sequences, as their identity has already been verified and stored in the system.
Solution Approach 2:
The system introduces a physical establishment (bank branch) and employee as an intermediary between the user and the online enrollment system. The employee assists the user through the enrollment process, verifying identity in-person and guiding the user through simplified steps. This intermediary bridges the gap between security requirements and user capability, allowing users with limited technical skills to enroll successfully.
2Ease of operation
If simplified enrollment processes are provided, then user accessibility improves, but security and authentication reliability may be compromised
Solution Approach 1:
The system performs rigorous identity verification preliminarily at the physical establishment before enabling online enrollment. The user presents identification documents and is verified in-person by a bank employee, ensuring authentic identity confirmation before the simplified online process begins. This preliminary security check maintains authentication reliability while allowing the user to complete enrollment through simpler online steps.
Solution Approach 2:
The system creates a secure copy of the user's identity information and account data during the in-person verification process. The employee captures and stores the user's identification details and links them to the online account, creating a verified reference copy that ensures authentication security. This copied information is then used to securely authenticate the user during online enrollment without requiring the user to manually input sensitive data.
3Reliability
If in-person authentication is required, then security is enhanced, but time and procedural complexity increase
Solution Approach 1:
The system performs the time-consuming in-person authentication preliminarily when the user visits the bank branch for other transactions. The employee verifies the user's identity in-person and completes the enrollment setup during this visit. Subsequently, the user can access online services immediately without requiring additional authentication time, as the preliminary verification has already been completed and stored.
Solution Approach 2:
The system merges the enrollment process with the user's existing bank transactions at the physical establishment. Instead of requiring a separate dedicated enrollment visit, the user's identity verification and account setup are combined with their regular banking activities. This integration allows the security-enhancing in-person authentication to occur during an already-planned bank visit, eliminating additional time loss while maintaining security standards.
Data Source
AI summary
A method may include receiving an indication that a user has authenticated at a physical authentication location, the user associated with a user profile and a user identifier; querying a database using the user identifier as input to determine if the user profile has an online user account of an online service; determining, based on the querying, that the user profile does not have an online user account of the online service; based on the determining, generating a 2D barcode encoded with a link to open a credential creation user interface on a computing device; receiving an indication of activation of the link from the computing device; and in response to the receiving, presenting on the computing device the credential creation user interface configured to receive a username and password for a new online user account of the online service.