Rental Candidate Authentication Using mDL and Risk Evaluation
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Solution Overview
Problem
Conventional rental candidate evaluation systems are inefficient, prone to errors, and pose privacy risks due to manual data handling and lack of automated, secure authentication processes, leading to delays and potential data breaches.
Innovation Solution
A rental candidate evaluation system utilizing mobile driver's licenses (mDLs) for remote authentication, ensuring secure and automated verification of rental candidates, applicable to both tangible and intangible rental items.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If manual processes are used for collecting and verifying rental candidate information, then flexibility and adaptability in evaluation can be maintained, but the process becomes time-consuming and error-prone
Solution Approach 1:
The patent replaces manual mechanical evaluation processes with an automated computer-based system that collects, verifies, and evaluates rental candidate information electronically. The system automatically gathers data from multiple sources, performs background checks, and generates evaluation reports without manual intervention, thereby increasing productivity while maintaining evaluation thoroughness.
Solution Approach 2:
The system enables rental candidates to self-submit information and documentation through automated portals. The automated system then processes this information, performs verifications, and completes evaluations autonomously. This self-service approach accelerates the evaluation process while reducing manual administrative workload.
2Ease of operation
If manual handling of personal data is performed, then data can be accessed and processed flexibly, but privacy risks and potential data breaches increase
Solution Approach 1:
The patent replaces manual data handling with automated electronic data collection and processing systems. Sensitive personal information is transmitted and stored through secure encrypted channels, automatically verified through integrated databases, and accessed only through authorized electronic protocols. This substitution eliminates manual data exposure risks while maintaining operational flexibility.
Solution Approach 2:
The system creates a secure, controlled electronic environment for data storage and processing. Data is protected through encryption, access controls, and automated security protocols that isolate sensitive information from unauthorized access. This secure environment maintains data accessibility for authorized operations while protecting against privacy breaches.
3Productivity
If automated systems are implemented for rental candidate evaluation, then efficiency and productivity increase, but system complexity increases
Solution Approach 1:
The patent implements a universal automated evaluation system that handles multiple evaluation functions through integrated modules. The system can collect information, verify credentials, perform background checks, assess financial stability, and generate evaluation reports all through a single unified platform. This multi-functionality increases productivity while managing complexity through consolidation rather than proliferation of separate systems.
Solution Approach 2:
The system employs intermediary components that facilitate communication between different evaluation modules and external data sources. These intermediaries standardize data exchange protocols, manage information flow between systems, and provide abstraction layers that simplify system integration. This approach enables high-throughput automated evaluation while managing technical complexity through standardized interfaces.
4Reliability
If extensive personal information is collected for evaluation, then evaluation accuracy and reliability improve, but data security risks and processing requirements increase
Solution Approach 1:
The patent replaces manual information verification with automated electronic validation systems that directly connect to authoritative databases. The system automatically verifies identities, employment histories, rental references, and financial information through integrated electronic channels, ensuring high evaluation accuracy while minimizing manual data handling and associated security risks.
Solution Approach 2:
The system stores and processes extensive personal information within a secure encrypted electronic environment. Data is protected through multiple layers of security including encryption, access controls, and automated monitoring. This secure environment enables comprehensive data collection for accurate evaluation while protecting against data breaches and unauthorized access.
Data Source
AI summary
Systems, apparatuses, methods, and computer program products are disclosed for evaluating a rental candidate for a rental event. An example method includes receiving, from a rental entity device, a rental initiation request comprising (a) a rental candidate item and (b) an indication of a rental candidate. The example method further includes receiving, from a rental candidate device, a mDL associated with the rental candidate. The example method further includes authenticating the rental candidate based on the mDL. In response to authenticating the rental candidate, the example method further includes determining a universal rental ID associated with the rental candidate, determining rental candidate information based on the universal rental ID, determining, using a risk determination model, a risk level, and providing, to the rental entity device, a rental candidate evaluation, wherein the rental candidate evaluation comprises a suitability indication of renting the rental candidate item to the rental candidate.