Electronic Signature Authorship Validation Using ID and Biometrics
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Solution Overview
Problem
The widespread use of mobile electronic signature services has made it difficult to conclusively establish the identity of the signing party, posing a risk of fraud.
Innovation Solution
A computer-implemented method and system that analyzes government identification documents, captures biometric data, and compares real-time images with reference images to determine a confidence score, generating a unique document identification number for each transaction session.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If mobile electronic signature services are widely adopted, then convenience and accessibility are improved, but the ability to conclusively establish user identity deteriorates
Solution Approach 1:
The system performs preliminary identity verification by capturing and analyzing government-issued identification documents and biometric data before the electronic signature is applied. This preliminary action establishes user identity in advance, ensuring reliability while maintaining the convenience of mobile electronic signatures.
Solution Approach 2:
The system introduces an intermediary verification process that acts as a mediator between the user and the electronic signature. This intermediary layer captures biometric data, analyzes identification documents, and validates user identity, thereby establishing reliable authentication while preserving the ease of operation of mobile electronic signature services.
2Reliability
If biometric verification and document analysis are implemented, then user identity verification is improved, but system complexity increases
Solution Approach 1:
The system employs a multi-functional mobile device that integrates camera, document scanner, biometric sensor, and processing capabilities into a single universal platform. This approach improves user identity verification through multiple verification methods while avoiding the complexity of multiple separate devices or systems.
Solution Approach 2:
The system performs self-service verification by automatically capturing identification documents, extracting biometric data, analyzing the captured information, and validating user identity without requiring external verification infrastructure. This self-service approach improves verification reliability while minimizing system complexity by utilizing the mobile device's own capabilities.
Data Source
AI summary
A system and method for electronic signature validation is provided. Embodiments may include analyzing at least one government identification document, wherein analyzing includes authenticating the at least one government identification document. Embodiments may further include extracting personally identifiable information pertaining, to a user from the at least one government identification document and displaying a digital copy of a document to be signed to the user. Embodiments may also include capturing an electronic signature of the document by the user and receiving personally identifiable information, wherein the personally identifiable information pertains to the user and enables the user to be uniquely identified. Embodiments may further transmitting a document signing transaction session.