Trusted Party Identity Authentication System
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Solution Overview
Problem
Current systems for authenticating identity and profile data in online transactions are difficult to use, require significant investment, lack interoperability, and cannot provide a definitive indication of authenticity, making them ineffective in reducing fraud and disputes.
Innovation Solution
A method and system for authenticating identity and validating profile data through a trusted party, allowing for definitive authentication and providing profile data provisioning and updating services, which can be implemented during online transactions using Internet-based communication.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If current authentication systems are used to verify identity and profile data, then fraud detection capability is improved, but system complexity and implementation cost increase significantly
Solution Approach 1:
The patent introduces a trusted third party (authentication service provider) as an intermediary between the user and the service provider. This intermediary handles the complex authentication process by comparing user-provided profile data against reference data from trusted sources, thereby reducing the complexity burden on individual system participants while maintaining high fraud detection capability.
Solution Approach 2:
The authentication system is segmented into distinct functional components: a user interface layer for data collection, an authentication service layer for processing and comparison, and a data source layer for reference information. This segmentation allows each component to be developed and maintained independently, reducing overall system complexity while preserving comprehensive fraud detection.
2Reliability
If current authentication systems are deployed, then identity verification capability is improved, but ease of operation deteriorates due to difficult usage
Solution Approach 1:
The system enables users to perform self-authentication by providing profile data that the trusted third party automatically verifies against reference databases. This self-service approach eliminates the need for complex manual verification procedures while maintaining high identity verification capability, thereby improving ease of operation.
3Reliability
If current authentication systems are implemented, then fraud reduction is improved, but interoperability between systems deteriorates
Solution Approach 1:
The authentication system is designed with universal interfaces and standardized data formats that enable multiple service providers to participate through a common protocol. The trusted third party can serve multiple clients simultaneously using the same authentication mechanisms, ensuring interoperability across different systems while maintaining consistent fraud reduction capabilities.
4Reliability
If up-front investment is increased for authentication systems, then authentication reliability is improved, but accessibility and adoption rate deteriorate
Solution Approach 1:
By introducing a trusted third party as an intermediary, the system distributes the up-front investment burden. Individual service providers do not need to make large independent investments in authentication infrastructure, as they can leverage the trusted third party's existing capabilities. This reduces the implementation cost barrier while maintaining high authentication reliability through the intermediary's specialized infrastructure.
Data Source
AI summary
Techniques for authenticating the identity and validating the profile of an individual (“a presenter”) who presents him or herself to another party (“an acceptor”) as having a certain identity and having certain corresponding profile data are described. The invention can be advantageously used in Internet transactions where such authentication and validation is difficult to perform. The techniques of the present invention allow the trusted party to give a definitive answer regarding the authentication of identity and validity of profile data. Other services such as profile data provisioning and profile data updating can also be performed.