Identity Server Multi-Network Verification

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Solution Overview

Problem

Existing systems for secure user identification struggle to proactively confirm the legitimacy of payment account information, leading to delays or increased friction in transactions.

Innovation Solution

An identity server that communicates with both a first transaction communication network and a second transaction communication network, performing an identity affirmation by sending a test deposit and querying for account identity metadata, thereby determining the ownership of the payment account information.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If identity affirmation is performed by communicating with multiple entities over separate transaction communication networks, then the reliability of identity verification is improved, but the device complexity and processing time increase

Engineering Contradiction:

Improveidentity verification reliabilityVSAvoidsystem complexity

Core Design Contradiction:

ReliabilityVSDevice complexity

Solution Approach 1:

The patent introduces an identity server as an intermediary component that mediates between the partner device and multiple transaction communication networks. The identity server consolidates the complexity of multi-network communication, handling interactions with first and second entities across separate networks while presenting a simplified interface to the partner device. This resolves the contradiction by improving verification reliability through multi-network validation while containing system complexity within the identity server rather than the partner device.

Inventive Principle:

Principle #24Intermediary (Mediator)

Solution Approach 2:

The system segments the identity verification function into a separate identity server component, distinct from the partner device. This segmentation allows the partner device to perform its primary function while the identity server handles the complex multi-network verification process. The segmentation improves reliability by dedicating specialized verification logic to the identity server while reducing the complexity burden on the partner device.

Inventive Principle:

Principle #1Segmentation

2Reliability

Engineering Contradiction:

Improveidentity verification reliabilityVSAvoidtransaction processing time

Core Design Contradiction:

ReliabilityVSLoss of time

Solution Approach 1:

The identity server performs preliminary actions by pre-establishing connections and gathering verification data from multiple entities across separate transaction networks before the actual transaction occurs. Test deposits and account metadata queries are executed in advance to validate payment account information, so that when a transaction needs to occur, the verification is already complete or can be quickly finalized.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The system maintains continuous verification processes by keeping identity affirmation operations ongoing in the background. The identity server continuously monitors and validates account information across multiple networks, ensuring that verification is never interrupted and can proceed seamlessly when transactions are initiated, thereby reducing perceived processing time while maintaining high reliability.

Inventive Principle:

Principle #20Continuity of useful action

3Measurement precision

If test deposits and account metadata queries are sent to verify payment account information, then the legitimacy confirmation is improved, but the number of communication operations increases

Engineering Contradiction:

Improveaccount ownership verification accuracyVSAvoidtransaction processing efficiency

Core Design Contradiction:

Measurement precisionVSProductivity

Solution Approach 1:

The identity server applies partial verification actions by selectively performing test deposits and metadata queries based on the specific transaction context and risk assessment. Rather than always executing the full suite of verification operations, the system performs only the necessary subset of actions required to achieve sufficient verification accuracy for each case, thereby maintaining measurement precision while improving processing efficiency.

Inventive Principle:

Principle #16Partial or excessive action

Solution Approach 2:

The system employs feedback mechanisms where the results of initial verification attempts inform subsequent actions. If a test deposit or metadata query successfully confirms account ownership with high confidence, the system can stop further verification operations. If initial checks are inconclusive, additional verification steps are triggered. This feedback-driven approach optimizes the balance between verification accuracy and processing efficiency by adapting the number of communication operations to the actual verification needs.

Inventive Principle:

Principle #23Feedback

Data Source

PatentUS20250131432A1Devices, systems, methods, and non-transitory computer-readable media for individual identity affirmation

Publication Date: 2025.04.24 MASTERCARD INT INC

AI summary

Devices, methods, and non-transitory computer-readable media for performing an identity affirmation of an individual with two or more transaction communication networks.