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System and method for strong remote identity proofing

  • US 10,284,548 B2
  • Filed: 08/02/2010
  • Issued: 05/07/2019
  • Est. Priority Date: 07/31/2009
  • Status: Active Grant
First Claim
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1. A method of real-time remote identity proofing a user, the method comprising:

  • querying, by a network device, data sets, wherein the network device queries the data sets using biographic data received through a web interface from the user located remotely from the network device;

    assembling, based on at least one result received in response to querying the data sets, information associated with government-issued identification cards associated with the user, information associated with financial accounts associated with the user, and telephone numbers associated with the user;

    generating, by the network device, a list of types of the government-issued identification cards associated with the user and a government-issued identification card interface for receiving a number for a government-issued identification card that is the same type as the type selected by the user from the list of the types of the government-issued identification cards associated with the user;

    generating, by the network device, a list of types of the financial accounts associated with the user and a financial accounts interface for receiving a number for a financial account that is the same type as the type selected by the user from the list of the types of the financial accounts associated with the user;

    generating, by the network device, a list of partially-obscured telephone numbers that includes at least one partially-obscured telephone number corresponding to a telephone number associated with the user and at least one dummy partially-obscured telephone number that does not correspond to any telephone numbers associated with the user; and

    responsive to receiving via a network a selection by the user of the at least one partially-obscured telephone number,(i) placing, by the network device, a call to the user at the telephone number associated with the user and corresponding to the at least one partially-obscured telephone number;

    (ii) generating, by the network device, an interface that includes an identity-proofing transaction number for the user; and

    (iii) transmitting, by the network device, a prompt to the user to enter the identity-proofing transaction number from the user via a telephone network.

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