Digital Identity Authentication via Segmented Verification Options
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
There is a high incidence of scams and fraud in online transactions, necessitating a reliable digital identity proofing mechanism to authenticate personal identity with confidence for service provision and transaction execution.
Innovation Solution
A method and system utilizing a processor to receive user requests, display identity verification options, access and compare stored information from cards or smartphones with database information, and authenticate users based on PIN codes, ensuring secure identity verification through a digital identity authentication process.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If traditional identity verification methods are used, then the process is simple, but the security and confidence level are insufficient
Solution Approach 1:
The verification process is segmented into multiple independent steps: displaying verification options, receiving user selection, accessing information from user's device, retrieving from database, comparing information, and determining authentication. This segmentation allows the system to achieve high reliability through multiple verification stages while maintaining manageable complexity through modular processing.
Solution Approach 2:
The system introduces an intermediary verification mechanism that acts as a mediator between the user and the service provider. The processor serves as an intermediary that coordinates information flow between the user's device, database, and verification logic, enabling secure authentication without direct exposure of sensitive data throughout the system.
2Reliability
If multiple verification options are provided, then the authentication reliability improves, but the user interface complexity increases
Solution Approach 1:
The user interface dynamically adapts based on the verification context. The system displays multiple verification options (name, address, date of birth, email, telephone, account number, security questions) but presents them in an organized, user-friendly manner. The interface dynamically responds to user selections by accessing appropriate information sources, maintaining simplicity while offering comprehensive verification methods.
Data Source
AI summary
A method and a computing apparatus for authenticating an identification to prevent fraud are provided. The method includes: receiving a request for an interaction from a user; displaying a user interface that includes options for proving an identity of the user; receiving, from the user via the user interface, a selection of one of the options; accessing, from a card or a smart phone of the user, first information that corresponds to the selected option; retrieving, from an external database, second information that independently corresponds to the selected option; comparing the accessed first information with the retrieved second information; and determining whether to authenticate the identity of the user based on a result of the comparison.