Driver License Credit Verification System
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Solution Overview
Problem
Credit card companies' requirement for merchants to verify picture identification is burdensome and time-consuming, and customers often cannot make purchases without their credit cards, even if they have the means to pay.
Innovation Solution
A driver's license information converter system that allows a scanned driver's license to be used as a credit card by accessing data from the license, comparing it to stored profile information linked to customer credit accounts, and generating a credit verification for transactional activities.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If merchants verify picture identification as required by credit card companies, then credit card fraud is reduced, but the process becomes burdensome and time-consuming
Solution Approach 1:
The system performs preliminary actions by pre-linking driver's license information with credit account information in a database before the actual transaction. When a customer presents their driver's license, the system has already prepared the verification data, eliminating the need for time-consuming manual verification processes during the transaction.
Solution Approach 2:
The system creates a digital copy of the driver's license information and links it to the credit account information. Instead of verifying physical identification documents in real-time, the system uses pre-scanned and stored digital copies of driver's license data, which can be quickly retrieved and verified against the presented license.
2Productivity
If customers must bring their credit cards to make purchases, then transactions can be processed, but customers cannot purchase desired objects when they forget their credit cards
Solution Approach 1:
The system makes the driver's license a multi-functional document by enabling it to serve both as identification and as a payment method. The driver's license contains or is linked to credit account information, allowing it to function as both an ID card and a credit card, eliminating the need to carry separate payment cards.
Solution Approach 2:
The system introduces a database as an intermediary that links driver's license information with credit account information. This intermediary allows the transaction system to access credit account data through the driver's license information, enabling purchases without the physical credit card while maintaining the ability to process transactions.
3Reliability
If merchants manually verify identification and credit information, then fraud prevention is maintained, but the process complexity increases
Solution Approach 1:
The system enables self-service verification where the driver's license itself contains or provides the verification information. The license data is pre-scanned and linked to credit account information, allowing the system to automatically verify both identification and credit eligibility without requiring complex manual verification procedures by merchants.
Solution Approach 2:
The system merges the identification verification function and credit verification function into a single integrated process. By linking driver's license information with credit account information in the database, the system combines what were previously separate verification steps into one unified lookup operation, reducing system complexity while maintaining verification accuracy.
Data Source
AI summary
A method for enabling a driver's license to be used as a credit account, including: accessing data from a scanned bar code of a driver's license; comparing the accessed data from the scanned bar code to a store of information comprising a stored set of profile information; based on the comparing, determining if a match between the accessed data and a stored set of profile information exists, and identifying a matched stored set of profile information; identifying a customer credit account, of the customer credit account information, linked to the matched stored set of profile information; generating an credit verification for the customer, such that, as to the customer, a particular transactional activity is allowed to be processed using the identified customer credit account.