Identity Verification System Using Real-World Data Correlation
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Solution Overview
Problem
Current online identity verification systems lack the ability to effectively gather and correlate real-time identifying information from both digital and real-world events, failing to adequately assess the veracity of identity claims and manage risk in online transactions.
Innovation Solution
A networked computing system and method that associates verified online authentication events with real-world personal identification information, correlating digital credentials with personal attributes to establish a verified identity record, and determining match confidence scores for identity verification.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If security measures are too lax, then ease of operation is improved, but reliability deteriorates
Solution Approach 1:
The identity verification process is segmented into multiple independent verification channels (digital credentials, real-world events, behavioral biometrics) that operate separately but contribute to a composite verification score, allowing flexible security levels without requiring cumbersome single-step verification
Solution Approach 2:
The verification system dynamically adjusts the level of scrutiny and required verification depth based on real-time risk assessment of each transaction, rather than applying static uniform security measures, thereby maintaining ease of operation for low-risk transactions while ensuring reliability for high-risk ones
2Reliability
If security measures are too strict, then reliability is improved, but ease of operation deteriorates
Solution Approach 1:
The system applies verification measures proportionate to the actual risk level of each transaction rather than maximum verification for all cases, using partial verification for low-risk transactions and escalating to more comprehensive verification only when necessary, thus maintaining reliability while preserving ease of operation
Solution Approach 2:
The system continuously monitors verification outcomes and transaction patterns, using this feedback to refine risk assessment models and adjust verification requirements in real-time, ensuring that security measures remain appropriately calibrated to actual threats without imposing unnecessary operational burdens
3Measurement precision
If real-time data gathering from multiple sources is implemented, then measurement precision is improved, but device complexity increases
Solution Approach 1:
The verification platform is designed as a universal multi-functional system that can ingest and process multiple types of data sources (digital credentials, real-world events, behavioral data) through a single integrated architecture, avoiding the need for separate specialized systems for each verification method and thereby managing complexity while maintaining high measurement precision
Data Source
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AI summary
A computer system and method according to the present invention verifies user identities online. Identity claims may be made by a requestor and/or a trusted transaction may be verified by associating digital credentials to verified personal identification information (Pll) retrieved from real world events. Verified personal attributes related to Pll items may be identified and correlated with the requestor's digital credentials, and stored to a verified identity record. A subsequent transaction request by a person claiming the requestor's identity may be compared with the verified identity record. An identity match indicator and/or a match confidence score may be created and used to determine the risk that the identity claim by the person requesting the transaction is false.