eKYC User Authentication with Weighted ID Card Scoring
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
Existing eKYC processes require human intervention to verify the accuracy of extracted identity card information, hindering full automation.
Innovation Solution
A method involving a processor to obtain an ID card image, assign parameter and accuracy scores, set weights based on priority, and calculate an authentication score using AI models for automated user authentication.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Speed
If eKYC technology is introduced to verify identity information, then authentication speed is improved, but full automation cannot be achieved requiring human agent intervention
Solution Approach 1:
The patent replaces manual verification processes with an automated scoring system that uses AI/ML models to evaluate ID card images. The system automatically extracts text, verifies parameters, and calculates authentication scores without human intervention, substituting mechanical human verification with automated computational processes.
Solution Approach 2:
The patent transforms the verification process by changing parameters from binary pass/fail to a multi-dimensional scoring system. It assigns parameter scores, accuracy scores, and weights to different ID card fields, then calculates a comprehensive authentication score. This parameter transformation enables automated decision-making while maintaining verification accuracy.
2Reliability
If manual verification by agents is performed to ensure accuracy, then verification reliability is improved, but processing time increases
Solution Approach 1:
The patent substitutes manual agent verification with an automated scoring system that uses trained AI models to assess ID card authenticity. The system reliably verifies parameters such as text extraction accuracy, barcode validity, and parameter consistency without human intervention, maintaining verification reliability while eliminating time loss.
Solution Approach 2:
The patent introduces an intermediary scoring mechanism that bridges the gap between automated extraction and final verification. The scoring system acts as a mediator that evaluates multiple parameters (parameter score, accuracy score, weights) to produce an authentication score, enabling reliable automated verification without direct human involvement.
3Measurement precision
If comprehensive parameter verification is performed on all ID card fields, then authentication accuracy is improved, but system complexity increases
Solution Approach 1:
The patent manages complexity by transforming comprehensive verification into a structured scoring framework. It assigns specific weights to different parameters (e.g., name, ID number, expiration date) and calculates an overall authentication score. This parameter-based approach maintains high accuracy while organizing complexity into manageable, weighted components.
Solution Approach 2:
The patent segments the verification process into distinct components: text extraction, parameter identification, scoring assignment, weight application, and final authentication score calculation. This segmentation divides the complex verification task into manageable modules, each handling specific aspects of ID card validation, thereby reducing overall system complexity while maintaining comprehensive verification.
Data Source
AI summary
A method for authenticating a user, which is performed by at least one processor, includes obtaining an image an identity (ID) card, assigning a parameter score to at least one parameter included in the image of the ID card, assigning an accuracy score to the at least one parameter extracted through character recognition, based on the image of the ID card, setting a first weight for the parameter score and a second weight for the accuracy score, setting a weight related to a priority for the at least one parameter, and calculating an authentication score based on the parameter score, the accuracy score, the first weight, the second weight, and the weight related to the priority.