Decentralized Identity Credentials Without Central Authority Dependence

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Solution Overview

Problem

Centralized identity verification systems lack user control, leading to potential security vulnerabilities and loss of sovereignty over personal information, with centralized authorities posing a single point of failure and compromising privacy.

Innovation Solution

Implementing decentralized identity methods using cryptographic techniques, allowing individuals and organizations to manage their own identities through decentralized identifiers (DIDs) and cryptographically-verifiable credentials, enabling self-sovereign identity management.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If centralized third-party certificate authorities are used for cryptographic verification, then identity verification can be achieved, but user control and autonomy over identity data are lost

Engineering Contradiction:
Improveidentity verificationVSAvoiduser control
Core Design Contradiction:
ReliabilityVSEase of operation

Solution Approach 1:

The patent implements self-sovereign identity where users generate and control their own cryptographic key pairs. Users independently sign identity claims and verify credentials without requiring centralized certificate authorities, enabling self-service identity management while maintaining cryptographic reliability

Inventive Principle:
Principle #25Self-service

Solution Approach 2:

The system segments identity verification into independent cryptographic operations: key generation, credential signing, and verification. Each operation can be performed independently by the user through their digital wallet, eliminating dependency on centralized authorities while maintaining verification integrity

Inventive Principle:
Principle #1Segmentation

2Adaptability or versatility

If centralized authorities manage identity data, then verification processes can be standardized, but single points of failure and data breach risks increase

Engineering Contradiction:
Improveverification standardizationVSAvoidsystem security
Core Design Contradiction:
Adaptability or versatilityVSReliability

Solution Approach 1:

The patent extracts the trusted verification function from centralized authorities and embeds it directly in user devices through cryptographic keys. Each user device contains the verification logic and keys needed to independently verify credentials, removing the single point of failure represented by centralized identity management servers

Inventive Principle:
Principle #2Taking out (Extraction)

Solution Approach 2:

Cryptographic signatures and digital credentials serve as intermediaries between identity claimants and verifiers. These self-contained cryptographic artifacts enable standardized verification without requiring direct connection to or trust in centralized authorities, maintaining verification consistency while distributing trust

Inventive Principle:
Principle #24Intermediary (Mediator)

3Reliability

If users rely on third-party certificate authorities, then cryptographic authentication can be established, but privacy and data security are compromised

Engineering Contradiction:
Improvecryptographic authenticationVSAvoidprivacy risk
Core Design Contradiction:
ReliabilityVSObject-affected harmful factors

Solution Approach 1:

Users independently generate their own cryptographic key pairs and control their private keys locally in their digital wallets. This self-service approach eliminates the need to transmit or store sensitive private information with third parties, maintaining cryptographic authentication while protecting privacy through local key management

Inventive Principle:
Principle #25Self-service

Solution Approach 2:

The system uses public key cryptography where users share their public keys instead of private information. Public keys can be freely copied and distributed for verification purposes without compromising security or privacy, as they cannot be used to derive the private key or expose sensitive identity data

Inventive Principle:
Principle #26Copying

Data Source

PatentUS12626264B2Decentralized identity methods and systems
Publication Date: 2026.05.12 STATE FARM MUTAL AUTOMOBILE INSURANCE COMPANY
  • US12626264B2 patent drawing
  • US12626264B2 patent drawing
  • US12626264B2 patent drawing

AI summary

The present techniques relate to, inter alia, cryptographically-verifiable insurance credentials and cryptographically-verifiable property transfer. The novel methods and systems of decentralized identity discussed herein improve user experience (whether individual or organizational) by moving control over identity from the hands of centralized entities, back to where it belongs—i.e., to the hands of individual organizations and users. In one aspect, a method includes obtaining a scanned image; processing the scanned image; transmitting a claim request; and receiving and storing an attestation response, and a computing system includes a processor; and a memory having stored thereon computer-executable instructions that, when executed by the one or more processors, cause the computing system to: receive a claim request; cryptographically verify the claim; and transmit an attestation response.