Identity Verification via Authorization Assertion Retrieval
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Solution Overview
Problem
Existing systems face challenges in verifying user identity attributes, particularly in scenarios where physical identification is not readily available or cannot be checked, such as in eCommerce and vending machines, leading to potential unauthorized access to age-restricted resources.
Innovation Solution
A method involving an authorization request message that includes an assertion type indicator for user identity attributes, which is processed by a server computer to retrieve corresponding assertion values from a database, enabling efficient and secure verification of user compliance with thresholds, such as age requirements, without the need for physical identification checks.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If physical identification checks are performed by clerks, then identity verification reliability is improved, but ease of operation deteriorates and device complexity increases
Solution Approach 1:
The system enables self-service identity verification where users present their identification documents to imaging devices (such as cameras or scanners) and the system automatically captures, processes, and verifies the document information. This eliminates the need for manual verification by clerks, allowing users to complete the verification process independently while maintaining security through automated image processing and comparison with stored reference data.
Solution Approach 2:
The patent replaces manual mechanical verification processes with automated electronic systems. Imaging devices capture identification documents electronically, and computer processors automatically analyze the images to extract personal information, compare it with database records, and make verification decisions. This substitution of mechanical manual checking with electronic automation improves both reliability through consistent processing and ease of operation by eliminating human intervention requirements.
2Measurement precision
If manual identification checks are performed, then verification accuracy is improved, but processing time increases and productivity decreases
Solution Approach 1:
The system replaces manual visual inspection and verification processes with automated electronic imaging and computer processing. Imaging devices capture identification documents, and computer systems automatically extract personal information from the images, compare it against stored reference data in databases, and make verification decisions. This automation maintains high verification accuracy through consistent electronic processing while dramatically improving productivity by eliminating time-consuming manual procedures and enabling rapid sequential verification of multiple users.
Solution Approach 2:
The system performs preliminary actions by pre-capturing and storing identification document images and personal information in databases before actual verification events occur. Reference data about authorized individuals and valid identification documents is prepared in advance. During verification, the system simply needs to compare current documents against these pre-stored references, which speeds up the verification process while maintaining accuracy through comprehensive pre-prepared reference data.
3Productivity
If automated verification systems are implemented, then processing efficiency is improved, but device complexity and initial costs increase
Solution Approach 1:
The verification system is divided into separate functional modules: imaging devices for document capture, processing computers for image analysis and data extraction, database systems for storing reference information, and verification logic for comparison and decision-making. This segmentation allows each component to be optimized independently, simplifies maintenance and upgrades, and enables the system to handle complex verification tasks through coordinated interaction of manageable subsystems rather than a monolithic complex structure.
Solution Approach 2:
The patent introduces intermediary components such as image processing software and data extraction algorithms that act as mediators between the imaging devices and the verification logic. These intermediaries handle the complexity of converting raw image data into usable personal information, comparing it with reference data, and making verification decisions. By placing this complex intermediary processing logic in dedicated software modules rather than hardwiring it into hardware, the system manages complexity while maintaining high processing efficiency.
Data Source
AI summary
Systems and method for verifying an identity of a user during interaction with a resource provider are disclosed. Embodiments enable using an authorization request message to inquire about an identity attribute (e.g. age) of a user during an interaction between the user and a resource provider. An authorizing entity (e.g. issuer) or a processing entity provides an answer to the inquiry within an authorization response message. The answer to the inquiry may establish whether the consumer meets a threshold (e.g. minimum age requirement).