Identity Verification Using Digital Tokens

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Solution Overview

Problem

Existing identity verification systems are vulnerable to fraudulent activities due to the ease of manufacturing fake identification cards, which compromises the security and integrity of transactions and access controls.

Innovation Solution

A system and method for identity verification using identity tokens, where a personal identity verification computer program receives an identity token from a third party system, retrieves customer personal information, confirms it meets third party identity verification requirements, and returns a confirmation result, with the identity token potentially expiring or having usage limits.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If traditional identification cards and membership cards are used for identity verification, then the ease of operation and accessibility are improved, but the security and reliability deteriorate due to the ease of manufacturing fake cards

Engineering Contradiction:
Improveease of useVSAvoidsecurity
Core Design Contradiction:
Ease of operationVSReliability

Solution Approach 1:

The patent replaces physical identification cards with digital copies stored in mobile devices. The system creates digital replicas of ID cards, driver's licenses, and membership cards that can be displayed on smartphone screens, eliminating the need for physical card handling while maintaining verification functionality. This digital copying approach prevents counterfeiting since the digital tokens are cryptographically secured and can be verified through automated systems.

Inventive Principle:
Principle #26Copying

Solution Approach 2:

The patent substitutes mechanical/physical verification processes with automated digital verification systems. Instead of manual inspection of physical cards by verification personnel, the system uses automated image recognition, optical character recognition, and database verification to validate digital identification tokens. This replacement of manual mechanical verification with automated digital processing both improves security through consistent validation and reduces operational complexity.

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

2Productivity

If manual identity verification processes are used, then the device complexity is reduced, but the productivity and efficiency deteriorate due to time-consuming verification steps

Engineering Contradiction:
Improveverification efficiencyVSAvoidsystem complexity
Core Design Contradiction:
ProductivityVSDevice complexity

Solution Approach 1:

The patent implements preliminary action by pre-verified and storing identification data in secure databases before verification is needed. During the verification process, the system retrieves pre-stored information about the identification token, the holder's details, and verification criteria, eliminating the need for real-time complex analysis. This pre-processing approach significantly speeds up verification while the underlying complexity is managed through automated systems.

Inventive Principle:
Principle #10Preliminary action

Solution Approach 2:

The patent enables self-service verification where the mobile device automatically presents the digital identification token and the verification system automatically validates it without requiring manual intervention. The system performs self-verification by automatically comparing the presented token against stored verification criteria, databases, and validation rules, thereby improving productivity while the complexity is handled by the automated self-service mechanism.

Inventive Principle:
Principle #25Self-service

Data Source

PatentUS20250141685A1Systems and methods for identity verification using identity tokens
Publication Date: 2025.05.01 JPMORGAN CHASE BANK NA
  • US20250141685A1 patent drawing
  • US20250141685A1 patent drawing
  • US20250141685A1 patent drawing

AI summary

Systems and methods for identity verification using identity tokens are disclosed. In one embodiment, a method for throttled sharing of personal information may include: (1) receiving, by a personal identity verification computer program and from a third party system for a third party, an identity token for a customer, wherein the third party system received the identity token from a customer electronic device; (2) retrieving, by the personal identity verification computer program, customer personal information for the customer associated with the identity token; (3) retrieving, by the personal identity verification computer program, third party identity verification requirements for the third party; (4) confirming, by the personal identity verification computer program, that the customer personal information meets the third party identity verification requirements; and (5) returning, a result of the confirmation to the third party system.