Mobile Driver's License Verification for Secure Disbursement Staging
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
Existing electronic disbursement systems are inefficient and prone to human error, particularly in the verification of recipients during the disbursement process, leading to delays and security risks.
Innovation Solution
Utilizing mobile driver's licenses (mDLs) to authenticate recipients, ensuring only intended parties receive disbursements, and eliminating the need for pre-existing recipient data.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If manual verification of recipients is used, then security can be maintained, but the disbursement process becomes time-consuming and error-prone
Solution Approach 1:
The patent replaces manual mechanical verification processes with automated electronic verification systems. The system automatically verifies recipient identities, validates disbursement details, and processes payments without human intervention, thereby maintaining security while eliminating time-consuming manual operations and reducing errors associated with manual handling.
2Ease of operation
If manual verification of recipients is used, then process simplicity is maintained, but productivity decreases due to labor requirements
Solution Approach 1:
The patent implements self-service automation where the system performs verification and processing tasks autonomously. The automated system independently validates recipient information, checks disbursement eligibility, and executes payments without requiring manual labor, thereby maintaining operational simplicity while dramatically increasing disbursement volume and productivity.
3Device complexity
If conventional verification methods are used, then system complexity is low, but error rates increase leading to costly corrections
Solution Approach 1:
The patent replaces simple manual verification with automated electronic verification systems that use digital identification, biometric validation, and electronic data processing. This substitution increases system complexity but dramatically improves payment accuracy by eliminating human errors in verification, thereby reducing costly corrections and improving overall precision.
4Ease of manufacture
If manual verification is used, then implementation cost is low, but resolution of errors becomes time-consuming and costly
Solution Approach 1:
The patent replaces manual error detection and correction processes with automated electronic verification and validation systems. The system automatically detects verification errors, validates disbursement details, and identifies issues before processing, thereby increasing implementation complexity but dramatically reducing error resolution time and associated costs through automated detection and prevention mechanisms.
Data Source
AI summary
Systems, apparatuses, methods, and computer program products are disclosed for using a mobile driver's license (mDL) to enhance electronic disbursement staging. An example method includes receiving a disbursement initiation request from a target recipient, wherein the disbursement initiation request comprises identifying (i) disbursement data, (ii) a recipient mDL, and (iii) a recipient device. The example method further incudes verifying, based on the disbursement initiation request, authenticity of the mDL. The example method further includes, in response to verifying the authenticity of the mDL, selecting, using a risk determination machine learning model, a secondary authentication protocol. The example method further includes authenticating, based on the secondary authentication protocol, the target recipient. The example method further includes receiving, from the recipient device, disbursement preference data, and staging a disbursement event using the disbursement preference data.