Rental Access Key Generation Using Mobile Driver's License Verification

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Solution Overview

Problem

Conventional rental asset provision systems rely on manual processes that are time-consuming, error-prone, and expose rental candidates' sensitive information to data breaches, leading to inefficiencies and privacy concerns.

Innovation Solution

A rental asset provision system that authenticates a mobile driver's license (mDL) to verify the identity of a rental candidate, generating a rental access key for secure access to the asset, thereby automating and streamlining the process while ensuring data security.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If manual processes are used to collect and verify rental candidate information, then flexibility and human judgment are maintained, but the process becomes time-consuming and error-prone

Engineering Contradiction:

Improvemanual verification flexibilityVSAvoidprocessing time

Core Design Contradiction:

Ease of operationVSLoss of time

Solution Approach 1:

The patent replaces manual mechanical verification processes with automated electronic systems. Specifically, it substitutes human reviewers with AI-based identity verification systems, document authentication algorithms, and automated background check platforms, thereby eliminating manual handling while preserving verification quality

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

Solution Approach 2:

The system enables rental candidates to complete their own verification by uploading documents through mobile apps, providing biometric data, and receiving automated decisions without human intervention. The system serves itself by automatically cross-referencing provided information against databases and making verification determinations

Inventive Principle:

Principle #25Self-service

2Adaptability or versatility

If manual handling of sensitive personal information is performed, then data collection is flexible, but data breaches and unauthorized access risks increase

Engineering Contradiction:

Improvedata collection flexibilityVSAvoiddata breach risk

Core Design Contradiction:

Adaptability or versatilityVSObject-affected harmful factors

Solution Approach 1:

The patent replaces manual handling of sensitive information with automated electronic processing systems. Sensitive data is transmitted through encrypted digital channels, processed by secure servers, and stored in protected databases, eliminating physical document exchange and manual data entry that create security vulnerabilities

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

Solution Approach 2:

The system introduces secure intermediaries including encrypted communication protocols, authentication tokens, and secure data transmission layers that mediate between the rental candidate and the rental entity, ensuring that sensitive information is never exposed in plain text or handled by unauthenticated personnel

Inventive Principle:

Principle #24Intermediary (Mediator)

3Reliability

If recurring interactions with the rental entity are required for verification, then thorough assessment is achieved, but administrative workload and delays increase

Engineering Contradiction:

Improveverification thoroughnessVSAvoidprocess complexity

Core Design Contradiction:

ReliabilityVSDevice complexity

Solution Approach 1:

The patent merges multiple separate verification steps into a single integrated electronic process. Identity verification, background checks, credit assessments, and document authentication are combined into one unified workflow that completes automatically, eliminating the need for multiple separate interactions with the rental entity

Inventive Principle:

Principle #5Merging (Combining)

Solution Approach 2:

The system performs verification actions in advance by pre-screening rental candidates through automated checks before they even contact the rental entity. Background information is collected and validated beforehand, so that when the rental transaction occurs, verification is already complete or can be instantly finalized

Inventive Principle:

Principle #10Preliminary action

Data Source

PatentUS20260018001A1Systems and methods for providing a rental candidate with access to a rental asset

Publication Date: 2026.01.15 WELLS FARGO BANK NA

AI summary

Systems, apparatuses, methods, and computer program products are disclosed for providing a rental candidate with access to a rental asset. An example method includes receiving, from a candidate device, a rental initiation request comprising (a) an indication of the rental asset, (b) an indication of a mDL associated with the rental candidate, and (c) rental candidate information. The example method further includes authenticating the rental candidate based on the mDL. The example method further includes determining, using a risk determination model, a risk level indicative of an inferred risk associated with renting the rental asset to the rental candidate. The example method further includes, in response to the risk level satisfying a rental requirement, generating a rental access key configured to enable use of the rental asset, and providing the rental access key to the candidate device.