Background Authentication for Remote Account Enrollment

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Solution Overview

Problem

Conventional online enrollment processes for opening accounts remotely are time-consuming due to the lack of suitable methods for remote identity verification, leading to a negative user experience.

Innovation Solution

A system and method that utilize a third-party authentication service to verify user information in the background while the user completes an electronic questionnaire, generating an authentication score based on submitted data and deactivating the authentication profile once the score meets a predetermined threshold, allowing for timely account profile creation.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If conventional online enrollment process is used with sequential verification, then user information can be verified, but the verification process is extremely time-consuming

Engineering Contradiction:

Improveidentity verification accuracyVSAvoidverification time

Core Design Contradiction:

ReliabilityVSLoss of time

Solution Approach 1:

The system performs preliminary actions by pre-registering user information with the account verification service before the actual account opening process. The verification report is generated and stored in advance, so when the user initiates account opening, the verification has already been completed or is in progress, eliminating the need for time-consuming sequential verification steps.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The system implements continuous verification by initiating the background computer process that continuously checks user information against the account verification service. The verification process runs in the background without interruption, continuously updating the verification status until completion, rather than using discrete batch processing.

Inventive Principle:

Principle #20Continuity of useful action

2Reliability

If user physically visits company location for account opening, then face-to-face identification verification can be performed, but user convenience is reduced

Engineering Contradiction:

Improveidentification verification accuracyVSAvoidaccount opening convenience

Core Design Contradiction:

ReliabilityVSEase of operation

Solution Approach 1:

The system introduces an account verification service as an intermediary between the user and the company. This third-party service handles the identification verification process remotely, providing the same level of verification accuracy as face-to-face methods while allowing users to complete the process online without physical visits. The intermediary service bridges the gap between remote convenience and verification reliability.

Inventive Principle:

Principle #24Intermediary (Mediator)

Data Source

PatentUS12111911B2Systems and methods for authenticating user information

Publication Date: 2024.10.08 BANK OF MONTREAL

AI summary

Disclosed herein are efficient systems and methods for verification of user information in a timely manner. A background computer process for verification of the user information using a third-party authentication service is initiated. The third-party authentication service performs the verification of the information submitted by the user in response to some of the questions within the questionnaire at the same time as the user is replying to remaining questions within the electronic questionnaire. Accordingly, by the time the user is finished replying to all questions within the electronic questionnaire, the previously submitted information by the user is verified and a profile of the user is authenticated.