Systems and methods for identity validation and verification

• US 10,176,542 B2
• Filed: 03/24/2014
• Issued: 01/08/2019
• Est. Priority Date: 03/24/2014
• Status: Active Grant

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Malhotra, Sandeep, Prabhu, Rajen S., Sharma, Prashant, Li, Jiaming, Zhang, Jie
• Primary Examiner(s): Hayles, Ashford S
• Application Number:
  US14/223,603
• Publication Number:
  US 20150269701A1
• Time in Patent Office: 1,751 Days
• Field of Search: 705 18
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 50/265 Personal security, identity or safety

Abstract

According to some embodiments, a system and a method of transmitting identity verification information to a merchant include receiving an account identifier from a user in response to the user interacting with a merchant. The user is authenticated based on the account identifier and identity verification information is transmitted to the merchant.

Claims

1. A method of validating user provided identity information and transmitting identity verification information to a merchant, the method comprising:

receiving an account identifier from a user in response to a user device interacting with a merchant device of the merchant;

authenticating the user based on the account identifier by;

(i) transmitting the account identifier to a payment card issuer device via a payment network, the payment card issuer device comprising a network communication device, a processor, and data storage; and

(ii) receiving identity verification information associated with the account identifier from the payment card issuer via the payment network, the identity verification information being retrieved from the data storage of the payment card issuer device; and

transmitting a network packet comprising the identity verification information to the merchant device,

wherein the received identity verification information comprises an indicator which is based at least in part on a verification date of the identity verification information associated with the user, and

wherein the data storage of the payment card issuer device comprises defined verification time range requirements of a plurality of merchants, and the indicator indicates whether the verification date of the identity verification information of the user meets the verification time range requirements of the merchant.

2. The method of claim 1, wherein said identity verification information transmitted to the merchant includes at least one of:

(i) a verification success or failure indicator;

(ii) additional authentication information associated with the account identifier;

(iii) additional identity verification data.

3. The method of claim 1, wherein the receiving of the account identifier from a user comprises:

based on a request from the merchant to the user for the account identifier, receiving a redirected user input.

4. The method of claim 1, wherein the transmitted account identifier is used by the payment card issuer to identify relevant identity verification information.

5. The method of claim 1, wherein the received account identifier is captured from a purchase transaction at a point of sale terminal.

6. The method of claim 5, wherein the received account identifier is received in a ISO 8583 based message.

7. The method of claim 1, wherein the received identity verification information comprises government-issued identification information associated with the user.

17. The method of claim 7, wherein the government-issued identification information includes at least one of a passport, a birth certificate, and a driver'"'"'s license.

18. The method of claim 7, wherein the authentication system stores dates associated with when each government-issued identification was last reviewed.

19. The method of claim 1, wherein the verification date includes at least one of a first stored date indicating when a government-issued identification was most recently reviewed and a second stored date indicating a bill date of a bill sent to the user'"'"'s address.

20. The method of claim 19, wherein the bill sent to the user'"'"'s address is one of a heating oil bill, an electric bill, and a telephone bill.

8. An authentication apparatus, comprising:

a processor; and

a storage device in communication with said processor and storing instructions adapted to be executed by said processor to;

receive an account identifier from a user in response to a user interacting with a merchant device;

authenticate, via the processor, the user based on the account identifier by;

(i) transmitting the account identifier to a payment card issuer device via a payment network, the payment card issuer device comprising a network communication device, a processor, and data storage; and

(ii) receiving identity verification information associated with the account identifier from the payment card issuer via the payment network, the identity verification information being retrieved from the data storage of the payment card issuer device; and

transmit a network packet comprising the identity verification information to the merchant device,

wherein the received identity verification information comprises an indicator which is based at least in part on a verification date of the identity verification information associated with the user, and

wherein the data storage of the payment card issuer device comprises defined verification time range requirements of a plurality of merchants, and the indicator indicates whether the verification date of the identity verification information of the user meets the verification time range requirements of the merchant.

9. The apparatus of claim 8, wherein the receiving of the account identifier from a user comprises:

based on a request from the merchant to the user for the account identifier, receiving a redirected user input.

10. The apparatus of claim 8, wherein the transmitted account identifier is used by the payment card issuer to identify relevant identity verification information.

11. The apparatus of claim 8, wherein the received account identifier is captured from a purchase transaction at a point of sale terminal.

12. The apparatus of claim 11, wherein the received account identifier is received in a ISO 8583 based message.

13. The apparatus of claim 8, wherein the received identity verification information comprises government-issued identification information associated with the user.

21. The apparatus of claim 8, wherein the verification date includes at least one of a first stored date indicating when a government-issued identification was most recently reviewed and a second stored date indicating a bill date of a bill sent to the user'"'"'s address.

22. The apparatus of claim 21, wherein the bill sent to the user'"'"'s address is one of a heating oil bill, an electric bill, and a telephone bill.

14. A computer-readable medium storing instructions adapted to be executed by a processor to perform a method of authenticating a user, said method comprising:

receiving an account identifier from a user in response to a user device interacting with a merchant device;

authenticating, via a processor, the user based on the account identifier by;

(i) transmitting the account identifier to a payment card issuer device via a payment network, the payment card issuer device comprising a network communication device, a processor, and data storage; and

(ii) receiving identity verification information associated with the account identifier from the payment card issuer via the payment network, the identity verification information being retrieved from the data storage of the payment card issuer device; and

transmitting a network packet comprising the identity verification information to the merchant device,

wherein the received identity verification information comprises an indicator which is based at least in part on a verification date of the identity verification information associated with the user, and

wherein the data storage of the payment card issuer device comprises defined verification time range requirements of a plurality of merchants, and the indicator indicates whether the verification date of the identity verification information of the user meets the verification time range requirements of the merchant.

15. The method of claim 14, wherein the receiving of the account identifier from a user comprises:

based on a request from the merchant to the user for the account identifier, receiving a redirected user input.

16. The method of claim 14, wherein the transmitted account identifier is used by the payment card issuer to identify relevant identity verification information.

23. The method of claim 14, wherein the verification date includes at least one of a first stored date indicating when a government-issued identification was most recently reviewed and a second stored date indicating a bill date of a bill sent to the user'"'"'s address.

24. The method of claim 23, wherein the bill sent to the user'"'"'s address is one of a heating oil bill, an electric bill, and a telephone bill.