Remote Identity Proofing Using Multi-Source Data Verification
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
Current identity verification processes in healthcare and finance industries are cumbersome and time-consuming, often requiring in-person authentication, which can delay access to sensitive information and disrupt services, especially when passwords are forgotten or lost.
Innovation Solution
A remote identity proofing system that uses a combination of credit-based, clinical-based, and claims-based information, along with biometric and knowledge-based authentication, to verify identities and issue trusted identities, allowing secure access to protected information without the need for repeated authentication.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If in-person authentication is used to verify identity, then security is improved, but service efficiency and accessibility deteriorate due to delays and disruptions
Solution Approach 1:
The patent replaces the mechanical in-person authentication system with an automated remote authentication system that uses electronic data processing, biometric verification, and knowledge-based authentication. This substitution eliminates the need for physical presence while maintaining security through multiple verification layers including credit-based, clinical-based, and claims-based information validation.
Solution Approach 2:
The system enables applicants to complete identity verification independently through automated processes. The remote authentication system allows users to provide biometric data, answer knowledge-based questions, and receive verification results without human intervention, thereby improving service efficiency while maintaining security standards.
2Reliability
If multiple verification methods are implemented, then security is enhanced, but system complexity increases
Solution Approach 1:
The patent divides the authentication system into distinct modular components: biometric verification module, knowledge-based authentication module, credit-based verification module, clinical-based verification module, and claims-based verification module. Each module handles a specific aspect of verification, making the overall complex system manageable through functional segmentation and independent operation of each verification component.
Solution Approach 2:
The system employs a universal authentication framework that can accommodate multiple verification methods (biometric, knowledge-based, credit-based, clinical-based, claims-based) within a single integrated platform. This multi-functional approach allows the system to adapt different verification strategies based on the specific authentication scenario while maintaining a unified system architecture.
3Ease of operation
If remote authentication is implemented, then service accessibility is improved, but verification reliability may deteriorate
Solution Approach 1:
The system performs preliminary verification actions by collecting and validating multiple types of information (credit-based, clinical-based, claims-based) before completing the authentication process. This preliminary data gathering and validation ensures that remote authentication maintains high reliability by establishing multiple verification checkpoints before granting access.
Solution Approach 2:
The authentication system incorporates feedback mechanisms where verification results from different modules (biometric, knowledge-based, credit-based, etc.) are continuously evaluated and cross-validated. This feedback loop ensures that remote authentication maintains accuracy by comparing results across multiple verification methods and adjusting the authentication decision based on cumulative evidence.
Data Source
AI summary
Illustrative methods, processes, and software remotely prove the identity of individuals fully compliant with identity proofing policies. The embodiments receive a request to verify an identity from an applicant device. The request includes an identification for an application to which access is desired. Then, the embodiments receive any combination of credit-based, clinical-based, and/or claims-based information corresponding to an applicant identified in the received request; send to the applicant device one or more queries related to the received combination according to one or more identity proofing requirements; receive, from the applicant device, one or more responses to the one or more queries where the one or more response comprise authentication information; determine a match between the authentication information and the received combination of any of credit-based, clinical-based, and claims-based information; and, based on the determination of the match, granting access to the desired application to the applicant device.