Decentralized Identity Credentials for User-Controlled Verification

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Solution Overview

Problem

Centralized identity verification systems lack user control, leading to potential security risks and inefficiencies, as individuals and organizations are dependent on centralized authorities for identity management, which can result in loss of privacy and lack of sovereignty over their identities.

Innovation Solution

Implementing decentralized identity methods using cryptographic techniques, allowing users 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 identity management systems are used, then cryptographic verification can be achieved, but user control and privacy are compromised due to reliance on third-party authorities

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

Solution Approach 1:

The system enables users to independently manage their own identities through self-sovereign identity mechanisms. Users generate and control their own cryptographic key pairs, store credentials in personal digital wallets, and perform verification operations without requiring centralized authority intervention. This transforms identity management from a centralized service to a self-service model where users maintain full control over their identity data while achieving cryptographic verification.

Inventive Principle:
Principle #25Self-service

2Reliability

If centralized authorities manage identity data, then verification can be performed, but data breaches and security risks increase

Engineering Contradiction:
Improveverification capabilityVSAvoiddata breach risk
Core Design Contradiction:
ReliabilityVSObject-affected harmful factors

Solution Approach 1:

The patent extracts identity data and verification capabilities from centralized authority systems and places them directly into user-controlled digital wallets. By removing sensitive identity information from centralized databases and distributing it to individual users through decentralized credential structures, the system eliminates the single point of failure that makes centralized systems vulnerable to data breaches while preserving verification functionality through cryptographic proofs.

Inventive Principle:
Principle #2Taking out (Extraction)

3Reliability

If third-party certificate authorities are used, then cryptographic authentication can be established, but user autonomy and privacy are reduced

Engineering Contradiction:
ImproveauthenticationVSAvoiduser autonomy
Core Design Contradiction:
ReliabilityVSAdaptability or versatility

Solution Approach 1:

The system segments the traditional monolithic certificate authority model into distributed, user-owned credential containers. Instead of a single centralized authority holding all verification power, the patent divides identity verification into separate cryptographic components (public keys, signed credentials, verification algorithms) that are distributed across user devices. This segmentation enables users to selectively present and control different aspects of their identity without requiring permission from a central authority.

Inventive Principle:
Principle #1Segmentation

Data Source

PatentUS12614193B2Decentralized identity methods and systems
Publication Date: 2026.04.28 STATE FARM MUTAL AUTOMOBILE INSURANCE COMPANY
  • US12614193B2 patent drawing
  • US12614193B2 patent drawing
  • US12614193B2 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.