Online ID Validation Using Pre-Capture Fraud Detection Review
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Solution Overview
Problem
Existing authentication methods, such as fingerprint scanners and facial recognition, are vulnerable to fraudsters who present falsified identification, leading to security breaches and compliance issues, particularly in network-based transactions.
Innovation Solution
A system that captures multiple images of identification documents and the user's face using a user device, encrypts them, and allows authorized representatives to review these images in a non-image format to verify authenticity, using a micro-services architecture with secure storage and encryption.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Productivity
If automated authentication methods (fingerprint scanners, facial recognition) are used, then authentication speed and convenience are improved, but security reliability deteriorates due to vulnerability to fraud and falsified identification
Solution Approach 1:
The patent introduces an intermediary human reviewer who acts as a mediator between automated authentication and final access approval. The reviewer examines captured images of identification documents and compares them with live capture images, providing a human judgment layer that detects fraud patterns that automated systems miss, thus maintaining security reliability while preserving automated processing speed
Solution Approach 2:
The system performs preliminary capture of identification document images and user facial images before the authentication decision is made. These pre-captured images are then reviewed by human reviewers to verify authenticity, allowing the system to prepare authentication materials in advance while ensuring security through human verification of the pre-captured data
2Reliability
If manual review of identification documents is performed, then security reliability is improved, but authentication time and operational complexity increase
Solution Approach 1:
The system implements partial automation where only specific verification tasks (capturing images, initial comparison) are automated, while the critical judgment task of fraud detection remains manual. This partial approach maintains high fraud detection accuracy through human expertise while reducing authentication time by eliminating fully manual document handling and review processes
Solution Approach 2:
The system creates digital copies of identification documents through image capture and stores them for review. These copies allow reviewers to examine document details without handling physical originals, significantly reducing authentication time while maintaining the ability to perform thorough manual verification for security reliability
3Ease of operation
If sensitive user data is stored for authentication, then authentication functionality is improved, but security risks and compliance burden increase
Solution Approach 1:
The patent extracts only the essential visual elements needed for authentication (images of identification documents and facial images) and stores them in secure form. By taking out only what is necessary for the authentication function rather than storing complete personal data sets, the system maintains authentication functionality while reducing security risks and compliance burden associated with storing excessive sensitive information
Data Source
AI summary
A method of detecting fraudulent activity during authenticating users and user identifications includes initiating a user's device to capture a sequence of images of the user to be authenticated commencing when the camera is operational and prior to receiving from the user a selection of the control that triggers capture of images and/or continuing until detecting that the user has selected the control to trigger capture of images, thereby enabling capture of activity performed by the user prior to and contemporaneous with selecting the control, including any attempted fraudulent activity of the user to be authenticated. Video, still images and audio of the user seeking authentication can be captured.