Digital Identity Record Hashing for Remote User Verification

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Solution Overview

Problem

Existing identity verification processes, especially for remote or electronic transactions, are cumbersome and inefficient, requiring physical document presentation which can be impractical for users and institutions.

Innovation Solution

A system and method using a communication device with a software development kit (SDK) to capture and validate images of physical documents and user identity, generating a unique ID and public/private key pair, and storing a hashed digital identity record in a ledger data structure, allowing institutions to verify identity remotely through an identification provider.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If physical document presentation is required for identity verification, then verification reliability is improved, but ease of operation deteriorates

Engineering Contradiction:
Improveverification reliabilityVSAvoidease of operation
Core Design Contradiction:
ReliabilityVSEase of operation

Solution Approach 1:

The patent uses digital copies of physical identification documents captured through camera imaging. The system creates and stores digital representations of government-issued IDs, allowing verification without requiring the original physical document to be physically presented. This copying approach maintains verification reliability while enabling remote verification operations.

Inventive Principle:
Principle #26Copying

Solution Approach 2:

The patent replaces the mechanical process of physical document handling and verification with electronic/digital processes. Instead of manually examining physical documents in person, the system uses digital image capture, processing, and verification algorithms to substitute the mechanical verification process, thereby improving ease of operation while maintaining reliability.

Inventive Principle:
Principle #28Mechanics substitution (Replace mechanical system)

2Measurement precision

If physical document presentation is required for identity verification, then measurement precision is improved, but loss of time increases

Engineering Contradiction:
Improveidentity verification accuracyVSAvoidverification time
Core Design Contradiction:
Measurement precisionVSLoss of time

Solution Approach 1:

The patent performs preliminary actions by capturing and validating identification document images during the account opening process itself. The system validates the digital copies of identification documents and stores them for future verification, so that subsequent verification operations can be performed quickly without requiring repeated physical document presentation. This preliminary validation maintains measurement precision while reducing time loss in future operations.

Inventive Principle:
Principle #10Preliminary action

Solution Approach 2:

By creating and storing digital copies of identification documents during the initial setup, the system enables rapid verification operations. The digital copies can be processed and validated automatically without requiring the user to physically present documents again, thereby maintaining verification accuracy while significantly reducing the time required for subsequent verification operations.

Inventive Principle:
Principle #26Copying

3Reliability

If digital identity records are stored in a ledger data structure, then reliability of verification is improved, but device complexity increases

Engineering Contradiction:
Improveverification reliabilityVSAvoidsystem complexity
Core Design Contradiction:
ReliabilityVSDevice complexity

Solution Approach 1:

The patent introduces a ledger data structure as an intermediary component that stores and manages digital identity records. This ledger acts as a centralized repository that maintains verification data in a structured format, enabling reliable verification operations. While this adds a component to the system, it organizes the complexity into a manageable intermediary layer that improves overall verification reliability through centralized, structured data management.

Inventive Principle:
Principle #24Intermediary (Mediator)

Data Source

PatentUS12549537B2Systems and methods for providing digital identity records to verify identities of users
Publication Date: 2026.02.10 MASTERCARD INT INC
  • US12549537B2 patent drawing
  • US12549537B2 patent drawing
  • US12549537B2 patent drawing

AI summary

Systems and methods are provided for verifying identities of users. One example computer-implemented method includes requesting a unique ID for a user, from a software development kit (SDK) in a mobile device, and issuing the unique ID for the user. The method also includes generating, by the SDK, a public/private key pair specific to the unique ID, prompting the user to capture an image of a government issued document, and capturing the image of the document. The method further includes validating, by the mobile device, the identity of the user based on the image of the document and, based on the validation, (i) converting the image via a one-way hash function, (ii) signing the hashed image with the private key of the public/private key pair, and (iii) transmitting the signed hashed image, the unique ID, and the public key of the public/private key pair to an identification provider.