Multi-Factor Age Verification Using Email Metadata

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Solution Overview

Problem

Conventional online age verification methods are vulnerable to manipulation, allowing underage users to purchase age-restricted products or services by simply claiming to meet the age requirement without proper verification.

Innovation Solution

Implementing multi-factor authentication (MFA) that utilizes email metadata, such as the age of an archived email, in conjunction with other information like knowledge-based authentication questions and identification documents, to accurately determine a user's age before authorizing transactions.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If a simple age verification method (user clicking a button) is used, then the ease of operation is improved, but the reliability of age verification deteriorates

Engineering Contradiction:
Improveease of age verificationVSAvoidreliability of age verification
Core Design Contradiction:
Ease of operationVSReliability

Solution Approach 1:

The age verification process is segmented into multiple independent factors: email account age verification, knowledge-based authentication questions, and identification document verification. Each factor operates independently and contributes to the overall verification decision, preventing any single point of failure or manipulation

Inventive Principle:
Principle #1Segmentation

Solution Approach 2:

An email account serves as an intermediary object to verify user age. The system checks the age of the email account (based on registration date) as a proxy for user age, and uses this intermediary verification alongside other factors to determine eligibility for age-restricted content

Inventive Principle:
Principle #24Intermediary (Mediator)

2Reliability

If multiple-factor authentication is implemented, then the reliability of age verification is improved, but the device complexity increases

Engineering Contradiction:
Improvereliability of age verificationVSAvoidcomplexity of verification system
Core Design Contradiction:
ReliabilityVSDevice complexity

Solution Approach 1:

The verification system is divided into modular components: email validation module, KBA question generation module, document verification module, and decision-making module. Each module handles a specific aspect of verification, making the overall complex system manageable and maintainable through clear separation of concerns

Inventive Principle:
Principle #1Segmentation

Solution Approach 2:

The email account serves multiple functions: it acts as a unique user identifier, provides an age indicator through its registration date, and serves as a communication channel for delivering KBA questions and verification results. This multi-functionality reduces the need for separate systems for each purpose

Inventive Principle:
Principle #6Universality (Multi-functionality)

Data Source

PatentUS20240211949A1Multiple-Factor Authentication of Age When Making Age-Based Purchases
Publication Date: 2024.06.27 CAPITAL ONE SERVICES LLC
  • US20240211949A1 patent drawing
  • US20240211949A1 patent drawing
  • US20240211949A1 patent drawing

AI summary

Techniques for multi-factor authentication (MFA) of an age of a user are provided. A user may request online purchase of an age-restricted product or service. The user may provide an email that is associated with metadata. The email and metadata may be processed to determine if the user is associated with the email and to determine an age of the email. The age of the email may serve as a proxy for determining a minimum age of the user. The online purchase may be authorized if the minimum age of the user meets or exceeds the minimum age required to purchase the age-restricted product or service. The age of the email may be used along with other information provided by the user to further improve or confirm an estimated age of the user. Alternative forms of personal identifiers other than email may be used such as social media handles.