Mobile Wallet Identity Extension for Authentication Scoring
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Solution Overview
Problem
Mobile driver's licenses stored on computing devices are limited to the information included within the license, lacking additional authentication information such as email addresses or phone numbers, which hinders effective fraud detection and authentication processes.
Innovation Solution
Extending the mobile driver's license data in a mobile wallet with additional authentication information like email addresses and phone numbers, which are securely associated and immutable, allowing for enhanced fraud detection and authentication through an authentication engine that calculates a score based on the comparison of request information with the extended data.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If mobile driver's license stores only license information, then security is maintained, but authentication capability is limited
Solution Approach 1:
The patent implements nested data structures where extended authentication information (email, phone number, address) is stored within the mobile driver's license data structure. The authentication information is nested as additional fields associated with the core license information, allowing the system to maintain the original license structure while embedding extended verification data within it.
Solution Approach 2:
The patent segments authentication data into two distinct parts: core license information (name, license number, expiration) and extended authentication information (email, phone, address). This segmentation allows the system to process and validate different types of information separately, improving authentication capability without overwhelming the data structure with undifferentiated complexity.
2Reliability
If additional authentication information is added to mobile wallet, then fraud detection improves, but information security risks increase
Solution Approach 1:
The patent introduces an intermediary authentication score mechanism that mediates between the additional information and the authentication decision. Rather than directly using extended information for authentication, the system calculates an authentication score based on the consistency and verification of this information, creating a buffered verification process that reduces security risks while maintaining fraud detection accuracy.
Solution Approach 2:
The patent implements feedback mechanisms where the authentication score is calculated and returned based on the verification of extended information. This feedback loop allows the system to continuously assess the reliability of additional authentication data and adjust authentication decisions accordingly, improving fraud detection while maintaining security through iterative verification.
3Measurement precision
If extended information is stored in mobile wallet, then authentication score calculation improves, but data storage requirements increase
Solution Approach 1:
The patent applies local quality by selectively storing extended authentication information only for users who require enhanced authentication. Rather than universally storing all possible authentication data for every user, the system implements extended information storage on a need-based basis, improving authentication score precision for targeted users while minimizing overall data storage requirements across the system.
Data Source
AI summary
An example computer system for extending secure information stored within a mobile wallet can include: one or more processors; and non-transitory computer-readable storage media encoding instructions which, when executed by the one or more processors, causes the computer system to: store a mobile driver's license of an individual in the mobile wallet; add extended information to the mobile wallet that is associated with the mobile driver's license, the extended information being additional authentication information associated with the individual; receive a request to authenticate the individual, the request including request information; calculate an authentication score based upon a comparison of the request information to the extended information; and return a determination of authentication in response to the request.