Systems and methods for identity verification

• US 20080215346A1
• Filed: 03/02/2007
• Published: 09/04/2008
• Est. Priority Date: 03/02/2007
• Status: Abandoned Application

• Current Assignee: NEOVIA Financial Plc (Paysafe Ltd.)
• Original Assignee: NEOVIA Financial Plc (Paysafe Ltd.)
• Inventors: Barrie, Aron, Scott, Andy, O'Cinneide, Padraig
• Application Number:
  US11/713,107
• Publication Number:
  US 20080215346A1
• Time in Patent Office: Days
• US Class Current: 705/1
• CPC Class Codes: G06F 21/31 User authentication
• CPC Class Codes: G06F 21/33 using certificates
• CPC Class Codes: G06F 21/40 by quorum, i.e. whereby two or more security principals are required
• CPC Class Codes: G06F 21/6227 where protection concerns the structure of data, e.g. records, types, queries
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/4016 involving fraud or risk level assessment in transaction processing
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

The present invention may include systems and a methods for verifying the identity of an individual by invoking the services of at least one databroker. The present invention may establish a predetermined identity verification level and, based on the capabilities of associated databrokers, may establish a number of different solutions for verifying an individual'"'"'s identity to the predetermined level. When a request for identity verification is received, the present invention may examine the possible solutions for the requested verification level and, by invoking the services of one or more databrokers, may attempt to verify the individual'"'"'s identity.

Claims

1. A method for verifying the identity of an individual by invoking the services of at least one databroker, each databroker having the capability of verifying at least one piece of identifying information associated with an individual, the method comprising the steps of:

establishing at least one predetermined level of verification, each predetermined level of verification requiring the verification of at least one piece of identifying information by at least one databroker, wherein a predetermined level of verification is achieved when each piece of required identifying information is verified;

creating a composite set of solutions for achieving each predetermined level of verification, each of the solutions being associated with at least one databroker;

receiving a request to verify the identity of an individual at a predetermined level of verification;

choosing a solution from the composite set of solutions for the requested predetermined level of verification; and

requesting, from the at least one databroker associated with the chosen solution, verification of at least one piece of identifying information associated with the requested predetermined level of verification.

2. The method according to claim 1, further comprising the step of receiving, from the at least one databroker associated with the chosen solution, a response to the request for verification of the at least one piece of identifying information.

3. The method according to claim 2, wherein the response to the request for verification is either a verification of the at least one piece of identifying information or a non-verification of the at least one piece of identifying information.

4. The method according to claim 2, wherein the response to a request for verification is converted into a common data format.

5. The method according to claim 1, wherein the request to verify the identity of an individual is a request from a client to verify the identity of at least one of the client'"'"'s-customers.

6. The method according to claim 5, further comprising the step of providing verification of the individual'"'"'s identity when the requested predetermined level of verification is achieved.

7. The method according to claim 6, wherein the verification of the individual'"'"'s identity is provided to the client or to the client'"'"'s customer.

8. The method according to claim 5, wherein the client is one of a financial institution, an Internet business, an Internet website or a regulated business.

9. The method according to claim 1, wherein each of the solutions has an associated measure of quality and wherein the step of choosing a solution includes choosing a solution based on its associated measure of quality.

10. The method according to claim 1, wherein each of the solutions has an associated cost and wherein the step of choosing a solution includes choosing a solution based on its associated cost.

11. The method according to claim 1, wherein each of the solutions has an associated time and wherein the step of choosing a solution includes choosing a solution based on its associated time.

12. The method according to claim 1, wherein if the requested predetermined level of verification is not achieved, a different solution is chosen from the composite set of solutions for the requested predetermined level of verification.

13. The method according to claim 1, wherein each solution in the composite set of solutions is based on at least one predetermined rule.

14. The method according to claim 13, wherein the predetermined rule is a function of at least one capability of a databroker.

15. The method according to claim 13, wherein the predetermined rule is a function of a geographic region.

16. The method according to claim 1, wherein at least one of the pieces of identifying information is a name, a national identification number, an address, a phone number, an e-mail address, a date of birth, a driver'"'"'s license number, a passport number or financial information.

17. The method according to claim 1, wherein the predetermined level of verification is a level of verification established by a government statute or regulation.

18. The method according to claim 1, wherein the at least one databroker is a credit bureau, a government agency, a utility company, a financial institution or an information database.

19. A processor-based system for verifying the identity of an individual, the system being connected over a network to at least one databroker having the capability of verifying at least one piece of identifying information associated with an individual, the system comprising:

a memory, the memory being stored with;

at least one predetermined level of verification, each predetermined level of verification requiring the verification of at least one piece of identifying information by at least one databroker, wherein a predetermined level of verification is achieved when each piece of required identifying information is verified;

a composite set of solutions for achieving each predetermined level of verification, each of the solutions being associated with at least one databroker; and

processor-readable software code configured to enable the processor-based system to execute an identity verification process;

a processor, the processor being configured to execute the identity verification process, wherein the identity verification process includes the steps of;

receiving a request to verify the identity of an individual at a predetermined level of verification;

choosing a solution from the composite set of solutions for the requested predetermined level of verification; and

requesting, from the at least one databroker associated with the chosen solution, verification of at least one piece of identifying information associated with the requested predetermined level of verification.

20. The processor-based system according to claim 19, further comprising a user input device connected to said processor.

21. The processor-based system according to claim 20, wherein said user input device is configured to allow a user to establish one or more predetermined levels of verification.

22. The processor-based system according to claim 19, wherein the composite set of solutions are generated by said processor based on each predetermined level of verification.

23. The processor-based system according to claim 19, further comprising a server connected to the network, the server being configured to receive, from the at least one databroker associated with the chosen solution, a response to the request for verification of the at least one piece of identifying information.

24. The processor-based system according to claim 23, wherein said processor is configured to convert the response to a request for verification into a common data format.

25. The processor-based system according to claim 19, wherein said processor is connected over the network to a client and the request to verify the identity of an individual is a request from the client to verify the identity of at least one of the client'"'"'s customers.

26. The processor-based system according to claim 25, wherein verification of the identity of the client'"'"'s customer is provided to the client when the requested predetermined level of verification is achieved.

27. The processor-based system according to claim 25, wherein verification of the identity of the client'"'"'s customer is provided to the customer when the requested predetermined level of verification is achieved.

28. The processor-based system according to claim 19, wherein the network is the Internet.

29. The processor-based system according to claim 19, wherein the network is a local area network.