Gradated Identity Verification via Multi-Dimensional Scoring
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
Traditional identity verification technologies are inadequate due to the widespread availability of personally identifying information (PII) from data breaches, leading to fraud and denial of services to underserved populations who lack sufficient PII, such as immigrants and minors.
Innovation Solution
An unconventional identity verification (IDV) system using multi-dimensional processes that combine factors like phone number verification, bank account credentials, legally identifying documents, and payment card information to generate a score indicating the accuracy and confidence of identity verification, allowing for gradated access to services and reducing fraud through interactions with merchants and alternative data sets.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If traditional identity verification technologies are used, then verification process is simple, but verification reliability deteriorates due to widespread availability of PII from data breaches
Solution Approach 1:
The verification process is divided into multiple independent verification factors (phone number verification, bank account credentials, legally identifying documents, payment card information). Each factor is verified separately and contributes to an overall confidence score, allowing the system to handle complexity through modular segmentation while improving reliability through multiple verification dimensions.
Solution Approach 2:
The system transitions from traditional single-dimension PII verification to multi-dimensional verification by incorporating diverse data types (contact information, financial data, legal documents, payment card information). This dimensional expansion increases verification reliability by examining identity from multiple angles simultaneously, making it resistant to PII breaches in any single dimension.
2Adaptability or versatility
If traditional identity verification is used, then verification process is straightforward, but accessibility deteriorates for underserved populations who lack sufficient PII
Solution Approach 1:
The system applies partial verification action by allowing underserved populations to provide only the verification factors they possess (such as phone number or payment card information) rather than requiring complete traditional PII sets. This partial action approach maintains accessibility for populations with limited documentation while still achieving sufficient verification through the available factors.
Solution Approach 2:
The verification system achieves universality by designing a multi-functional verification process that can accommodate diverse verification factors from different population groups. The same verification framework handles traditional customers with full PII and underserved populations with limited PII, making the system adaptable to various customer scenarios without requiring separate verification processes.
3Reliability
If multi-dimensional verification factors are used, then verification reliability improves, but the number of verification factors increases
Solution Approach 1:
The verification system dynamically adjusts the number and type of verification factors based on the individual customer's profile, risk assessment, and available information. Rather than applying all possible verification factors uniformly, the system selectively applies the minimum necessary factors to achieve sufficient confidence, reducing complexity for low-risk customers while maintaining high reliability for high-risk scenarios.
Solution Approach 2:
The system incorporates feedback mechanisms where verification results from each factor contribute to an overall confidence score, which then feeds back into decisions about whether additional verification factors are needed. This feedback loop allows the system to stop collecting factors once sufficient reliability is achieved, preventing unnecessary complexity while maintaining high verification standards.
Data Source
AI summary
Gradated access to services based on identity verification (IDV) is described herein. In an example, a computing device can receive identifying information of a user and can select, from a plurality of IDV paths and based at least in part on the identifying information of the user, an IDV path for verifying an identity of the user using one or more factors. Based at least in part on the one or more factors, the computing device can determine a score indicative of whether the identifying information provided by the user accurately identifies the user. The score can be used for the benefit of one or more service providers to verify an identity of the user and/or determine gradated access to one or more services of the one or more service providers.