Digital Identity Validation via Secure Account Aggregation
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Solution Overview
Problem
Current identity validation methods fail to sufficiently link identity existence with ownership, leading to security compromises in online transactions, as they rely on offline verification and do not adequately ensure that the individual accessing accounts is the rightful owner, especially with the rise of internet retail and increased sharing of personal information.
Innovation Solution
A method that aggregates the ability to access multiple secure accounts to establish a validated digital primary identity, managed by a trusted third party, which transforms account access rights into a secure and portable validation mechanism, providing a higher level of assurance than traditional methods by using a unique token associated with a username and password.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If traditional offline identity verification methods are used, then identity existence can be confirmed, but the link between identity existence and ownership is insufficient, leading to security compromises
Solution Approach 1:
The identity verification process is segmented into two distinct components: identity existence confirmation and ownership confirmation. The patent uses separate validation mechanisms - traditional methods verify identity existence while the new electronic account access method specifically confirms ownership. This segmentation allows each component to be optimized independently, with ownership verification linked to the individual through secure account credentials rather than generic identity data.
Solution Approach 2:
The patent introduces electronic account access credentials (username, password, security questions) as an intermediary mechanism to bridge the gap between identity existence and ownership confirmation. These credentials serve as a mediator that proves the individual's rightful ownership of the identity without requiring physical presence or traditional offline verification methods.
2Reliability
If offline primary identification verification is required, then identity authenticity can be confirmed, but transaction efficiency is reduced due to repeated verification requirements
Solution Approach 1:
The patent implements preliminary identity verification and ownership confirmation through electronic account access before transactions occur. The validation of credentials against account records is performed in advance, creating a reusable verification state that eliminates the need for repeated offline verification for each subsequent transaction, thereby improving transaction efficiency while maintaining security.
Solution Approach 2:
The patent creates a digital copy of the identity verification process through electronic account access validation. Instead of requiring physical presentation of identification documents for each transaction, the system uses electronic credentials (username, password, security question answers) that replicate the verification function in a reusable digital format, eliminating repeated offline verification requirements.
3Ease of operation
If personal information is widely shared for online transactions, then transaction convenience is improved, but the risk of identity theft and fraud increases
Solution Approach 1:
The patent extracts the critical ownership verification element (credential validation) from the broader set of personal information sharing requirements. Instead of requiring extensive personal data sharing for each transaction, the system isolates and validates only the essential credentials (username, password, security question answers) against account records, minimizing information exposure while maintaining security.
Solution Approach 2:
The patent changes the verification parameter from sharing extensive personal information to validating specific credential parameters against account records. The system validates whether the provided credentials match the stored account credentials, transforming the verification approach from information-heavy to parameter-specific validation, thereby reducing information sharing risks while maintaining transaction convenience.
Data Source
AI summary
A system and methods that enables and utilizes the conversion of an individual's ability to access multiple secure accounts to establish and validate the individual's digital primary identity. The control for the digital primary identity validation is user-centric so that the individual controls the amount of information supplied and therefore the level of assurance achievable. The level of assurance can be added to the digital primary identity. An identity card for digital primary identity validation can be used online or in-person. Validation and level of assurance is reviewed regularly or continuously. Levels of assurance can be increased by validating primary sources of identification.