Identity Verification System Using Coded Mail Indicia
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
Current digital identity verification processes face challenges such as password fatigue, requiring multiple digital credentials for various services, and the need for secure and efficient identity verification across government and commercial platforms, particularly in the U.S., where 75% of business customers hesitate to create new accounts due to authentication complexities.
Innovation Solution
A system and method that integrates online and in-person identity verification services, utilizing a coded indicia sent via mail to verify identities, which includes scanning government-issued documents and real-time geographic location verification, enabling the generation of authentication credentials and tokens for secure access to online accounts.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If traditional digital authentication methods are used for each service, then security verification can be performed, but users must manage multiple passwords and digital credentials across different platforms
Solution Approach 1:
The patent implements a universal digital credential system where a single verified digital identity can be used across multiple government and commercial services. The identity verification system creates a centralized digital credential that functions across different platforms, eliminating the need for separate passwords and authentication mechanisms for each service.
Solution Approach 2:
The patent introduces a third-party identity verification service as an intermediary between users and various service providers. This intermediary verifies identities through multiple factors including knowledge-based questions, document verification, and biometric data, then issues digital credentials that are recognized across different platforms, reducing the burden of managing multiple credentials.
2Reliability
If in-person identity verification is conducted at service locations, then identity proofing can be performed, but users must travel to physical locations and wait for verification
Solution Approach 1:
The patent enables users to complete identity verification procedures in advance before needing to access services. The system collects and verifies identity information including knowledge-based answers, scanned identification documents, and biometric data beforehand, creating a verified digital identity that can be quickly authenticated later without requiring in-person visits.
Solution Approach 2:
The patent replaces physical in-person verification processes with electronic and optical systems. Users can scan their identification documents using mobile devices, submit biometric data through cameras or sensors, and complete knowledge-based verification online. The system uses optical character recognition, image processing, and automated decision-making algorithms to verify identities remotely, eliminating the need for physical presence.
3Ease of operation
If centralized identity information is collected, then secure access management can be improved, but sensitive information must be protected from unauthorized access and breaches
Solution Approach 1:
The patent segments sensitive identity information into multiple encrypted components stored in secure databases. The system divides personal identification data, biometric information, and verification records into separate secured repositories with controlled access protocols. This segmentation reduces the impact of potential breaches and enables selective disclosure of only necessary information to service providers.
Solution Approach 2:
The patent creates a secure, isolated environment for storing and processing sensitive identity information using encrypted databases and secure communication protocols. The system implements cryptographic protection, access controls, and audit trails to create an inert security atmosphere that protects centralized identity data from unauthorized access, malware, and cyber threats.
Data Source
AI summary
Generating authentication credentials includes receiving from a first user input identifying a customer identifier for an online account with a business or organization and a residential or business physical address, and sending via a network a notification to a first user system to follow instructions on a mail piece to be received by the first user. The mail piece is physically sent via a distribution network to the physical address and an online application is activated in response to scanning a coded indicia on the mail piece. Data indicative of an identity of the first user is received and the identity of the first user is verified based on at least information associated with the coded indicia and the received data. A recommendation is generated whether to approve the online account and an electronic credential is created for the first user based on acceptance of the online account.