Credit applicant and user authentication solution
First Claim
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1. An authentication solution architecture comprising:
- a user access layer enabling one or more user devices to provide and receive data within the authentication solution architecture;
a user interface layer interconnected with the user access layer for providing interface modules for interacting with the one or more user devices;
a user services layer interconnected with the user interface layer for providing authentication services and associated services; and
a data storage layer interconnected with the user services layer for storing and providing data to the authentication services and associated services.
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Abstract
The present invention provides a credit applicant and user authentication solution for authenticating the identity of a credit applicant or a credit user. In particular, a user of the authentication system establishes a user account and obtains authentication information. The user then provides the authentication information during a subsequent credit application or credit transaction to authenticate the user'"'"'s identity. Authentication information may be renewed after each application or transaction at specified time intervals, based on monetary thresholds, specific geographic limitations, or any other methodology specified by the user.
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Citations
30 Claims
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1. An authentication solution architecture comprising:
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a user access layer enabling one or more user devices to provide and receive data within the authentication solution architecture;
a user interface layer interconnected with the user access layer for providing interface modules for interacting with the one or more user devices;
a user services layer interconnected with the user interface layer for providing authentication services and associated services; and
a data storage layer interconnected with the user services layer for storing and providing data to the authentication services and associated services. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. An identity authentication system for authenticating a user'"'"'s identity comprising:
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one or more access points for communicating with a user entry device. an account management server interconnected with the one or more access points for establishing an authentication account for a user, creating authentication information associated with the authentication account, and renewing the authentication information based on a set of business rules;
an authentication server interconnected with the one or more access points for comparing authentication information with transaction authentication data provided during a transaction and validating a user'"'"'s identity if the transaction authentication information matches the user'"'"'s authentication information; and
a storage server interconnected with the account management server and authentication server for storing authentication account data and authentication information. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16)
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17. A method for authenticating the identity of a credit applicant, comprising the steps of:
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establishing an authentication account by a user;
generating authentication information associated with the user;
storing a first instance of the authentication information;
passing a second instance of the authentication information to the user;
requesting the user'"'"'s credit history with information identifying the user;
forwarding by the user the second instance of the authentication information to verify the user'"'"'s identity; and
authenticating the user'"'"'s identity by comparing the first instance of the authentication information with the second instance of the authentication information provided by the user. - View Dependent Claims (18, 19, 20, 21, 22, 23)
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24. A method for authenticating the identity of a credit user, comprising the steps of:
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establishing an authentication account by a user;
generating authentication information associated with the user;
storing a first instance of the authentication information;
passing a second instance of the authentication information to the user;
requesting access to an established credit account by the user;
forwarding by the user the second instance of the authentication information to verify the user'"'"'s identity; and
authenticating the user'"'"'s identity by comparing the first instance of the authentication information with the second instance of the authentication information provided by the user. - View Dependent Claims (25, 26, 27, 28, 29, 30)
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Specification