Identity Validation via Payment Issuer Routing
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Solution Overview
Problem
Existing systems lack a secure and reliable method for verifying the identity of individuals, particularly in online transactions and age verification processes, as merchants struggle to authenticate identity documents issued by foreign governments or in unfamiliar languages.
Innovation Solution
An identity validation system that uses a processor to receive identity data and payment credentials, transmits verification requests to the issuer, and generates a confidence score based on payment data, incorporating user verification through passcodes and biometric matching, leveraging existing payment system infrastructure for novel identity validation functionality.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If merchants manually inspect identity documents provided by consumers, then the process is simple to operate, but the reliability of identity verification is insufficient
Solution Approach 1:
The patent introduces an intermediary identity verification system that acts as a mediator between the consumer and the merchant. This system receives identity data from the consumer's device, verifies it against trusted sources, and returns verification results to the merchant. The intermediary handles the complex verification processes (document authentication, data validation, cross-referencing) internally, allowing merchants to simply integrate the verification API without needing to build complex verification infrastructure themselves.
2Reliability
If merchants require consumers to provide government-issued identification, then the reliability of age verification improves, but the ease of operation deteriorates due to language barriers and foreign documents
Solution Approach 1:
The verification system enables self-service by allowing consumers to complete the entire identity verification process through their own devices without merchant intervention. The consumer's device captures identity document images, extracts data automatically, and communicates with the verification system. The system handles document recognition in multiple languages, validates the information, and returns results to the merchant, making the process easy for both consumers and merchants regardless of document origin or language.
3Reliability
If no identity verification is performed for online purchases, then the ease of operation is high, but the reliability of consumer identity validation is insufficient
Solution Approach 1:
The system performs preliminary identity verification before the online purchase is completed. During the checkout process, the consumer's device automatically captures and transmits identity data to the verification system. The verification occurs in advance of the final purchase confirmation, allowing the merchant to verify the consumer's identity and age before allowing the transaction to proceed, thus ensuring reliability without significantly impacting the ease of the overall purchase process.
Data Source
AI summary
A system for routing an identity validation request comprises at least one processor in communication with computer-readable storage, the computer-readable storage having stored thereon instructions for causing the at least one processor to: receive, from a requesting device, an identity validation request, the identity validation request comprising identity data and a payment credential; determine, from the payment credential, an issuer of the payment credential; transmit, to the issuer, a verification service request message that comprises the identity data and the payment credential; receive, from the issuer, a verification service response indicating whether or not the identity data has previously been associated with the payment credential; and based on the verification service response, transmit, to the requesting device, an indication as to validity of the identity data.