Remote Identity Proofing System with Preliminary Verification
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Solution Overview
Problem
Existing methods for remote identity proofing, as defined by NIST standards, often require delays due to the need to confirm government-issued identities and account numbers, which hinders real-time transaction capabilities.
Innovation Solution
A system and method for real-time remote identity proofing that involves querying data repositories for biographical data, validating government-issued identities, account numbers, and address confirmation, while incorporating knowledge-based questions to enhance verification, allowing for the combination of graphical user interfaces and real-time implementation.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If traditional remote identity proofing methods are used to confirm government-issued identities and account numbers, then identity verification reliability is improved, but transaction processing time increases causing delays
Solution Approach 1:
The system performs preliminary actions by pre-validating identity information against multiple data repositories (government databases, credit bureaus, public records) before the actual transaction occurs. This advance verification ensures that when the transaction happens, the identity is already confirmed, eliminating delays during the transaction process itself.
Solution Approach 2:
The patent introduces an intermediary identity proofing system that acts as a mediator between the user and the transaction system. This intermediary performs the time-consuming verification tasks using multiple data sources and validation methods, then provides a verified identity status that can be quickly accepted for transactions, separating the slow verification process from the fast transaction process.
2Reliability
If multiple data repositories and validation methods are used to confirm identity, then confidence in identity verification is improved, but system complexity increases
Solution Approach 1:
The system implements a universal identity proofing platform that can validate identities through multiple different data repositories and methods (government databases, credit bureaus, public records, knowledge-based questions) using a single integrated system. This multi-functional approach allows the same system infrastructure to handle various validation techniques, reducing the need for separate specialized systems for each validation method.
Solution Approach 2:
The system employs feedback mechanisms where the results from each data repository query and validation method are fed back into a central decision-making process. This feedback loop allows the system to adaptively determine the sufficient level of verification achieved and adjust subsequent validation steps accordingly, managing complexity through intelligent control rather than rigid multi-step processes.
3Productivity
If real-time identity validation is implemented, then transaction speed is improved, but the rigor and strength of identity proofing may be reduced
Solution Approach 1:
The system performs comprehensive identity validation in advance through multiple data repositories and validation methods, establishing a strong verified identity status before the transaction occurs. This preliminary rigorous verification enables fast real-time transactions because the heavy validation work has already been completed, maintaining both speed and strength.
Solution Approach 2:
The system implements dynamic identity proofing where the level and type of validation performed can adapt based on the transaction context, user history, and risk assessment. For low-risk transactions, a streamlined real-time validation suffices, while higher-risk scenarios trigger more rigorous validation, allowing the system to maintain appropriate proofing strength while optimizing for speed when possible.
Data Source
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AI summary
A method and system for strong remote identity proofing.