Identity verification systems and methods

• US 7,566,002 B2
• Filed: 01/06/2005
• Issued: 07/28/2009
• Est. Priority Date: 01/06/2005
• Status: Active Grant

• Current Assignee: Early Warning Services, LLC
• Original Assignee: Early Warning Services, LLC
• Inventors: Anderson, Todd, Sabaleuski, Dzmitry, Love, Robin
• Primary Examiner(s): Walsh; Daniel
• Application Number:
  US11/031,469
• Publication Number:
  US 20060144927A1
• Time in Patent Office: 1,664 Days
• Field of Search: 238/379, 238/380, 238/435, 238/454, 238/487, 705/79, 705/64, 705/67, 705/75, 705/78, 235/379, 235/380, 235/487
• US Class Current: 235/380
• CPC Class Codes: G06K 5/00 Methods or arrangements for verifying the correctness of markings on a record carrier; Column detection devices
• CPC Class Codes: G06Q 10/063 Operations research, analysis or management
• CPC Class Codes: G06Q 20/027 involving a payment switch or gateway
• CPC Class Codes: G06Q 20/085 involving remote charge determination or related payment systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

Systems and methods are disclosed for verifying customer identifications. In one embodiment, the method comprises receiving, at a transaction gateway, a communication associated with a transaction initiated by a customer; determining the communication includes an identity verification request to verify encoded data obtained from an identification presented by the customer; routing the identity verification request to an identity verification service; receiving, from the identity verification service, a result including one or more identification values obtained from the encoded data; and transmitting the result to a requester associated with the communication.

Claims

1. A method comprising:

receiving, at a transaction gateway, a communication associated with a transaction initiated by a customer, the communication including one or more requests, each of the requests associated with a transaction service;

determining, at the transaction gateway, the communication includes an identity verification request to verify encoded data obtained from an identification presented by the customer;

routing the identity verification request to an identity verification service, wherein the identity verification service comprises a processing unit, memory, a communications interface and one or more software programs, wherein the identity verification service receives the identity verification request via the communications interface;

receiving, at the transaction gateway, a result from the identity verification service, the result including one or more identification values obtained from the encoded data; and

transmitting the result to a requester associated with the communication;

further comprising parsing, at the identity verification service, the encoded data to obtain the one or more identification values, wherein parsing occurs using the processing unit and the one or more software programs of the identity verification service;

determining, at the identity verification service, whether a criteria is satisfied indicating the identification may be fraudulent; and

transmitting, from the identity verification service, the result, the result indicating the identification may be fraudulent; and

wherein the transaction gateway is operable to route a plurality of the requests from the communication to a plurality of different corresponding transaction service providers; and

wherein the transaction gateway is operable to route a plurality of the requests from the communication to a plurality of different corresponding transaction service providers.

2. The method of claim 1, wherein receiving the result comprises receiving a status indicating an outcome of the identity verification.

3. The method of claim 2, wherein the status indicates the identification is expired.

4. The method of claim 2, wherein the status indicates the identification may be falsified.

5. The method of claim 2,wherein the status indicates a format associated with the encoded data is invalid.

6. The method of claim 1, wherein determining the criteria is satisfied comprises determining the identification has been presented a predetermined number of times within a predetermined time period.

7. The method of claim 1, wherein parsing the encoded data comprises obtaining an identification type from the encoded data.

8. The method of claim 7, wherein the identification type is one of a driver'"'"'s license, a state issued identification, a passport, and a military identification.

9. The method of claim 1, wherein parsing the encoded data comprises obtaining, from the encoded data, at least one of a name, a birth date, an address, a gender, a hair color, a height, an eye color, and a weight.

10. The method of claim 1, wherein parsing the encoded data comprises determining a format associated with the encoded data.

11. The method of claim 10, wherein determining the format comprises determining the format is one of magnetic stripe data, two-dimensional bar code data, or smart card data.

12. The method of claim 1, wherein the communication is associated with a requester, the method further comprising:

authenticating the requester before parsing the encoded data.

13. The method of claim 1, further comprising:

determining the communication includes an identity validation request to assess validity of the identification;

routing the identity validation request to an identity validation service; and

receiving a validation result indicating an identification validity status assessed by the identity validation service.

14. The method of claim 13, further comprising:

at the identity validation service, comparing at least one of the identification values to a database including suspicious data values; and

if the identification value matches a suspicious data value, setting the validation status to an alert status.

15. The method of claim 13, further comprising:

at the identity validation service, matching a first one of the identification values to a first stored value;

retrieving a second stored value associated with the first stored value, the second stored value and a second one of the identification values both associated with a first identity attribute; and

if the second identification value does not match the second stored database value, setting the validation status to an alert status.

16. The method of claim 1, further comprising:

determining the communication include a check validation request to analyze a loss potential associated with a check presented for payment for the transaction; and

routing, at the transaction gateway, the check validation request to a check validation service.

17. The method of claim 1, wherein the communication includes a plurality of requests, and wherein transmitting the result comprises transmitting a result message having a plurality of results, each result associated with one of the requests.

18. The method of claim 1, wherein transmitting the result comprises transmitting the result to a point-of-sale device.

19. The method of claim 1, wherein transmitting the result comprises transmitting the result to a financial institution system.

20. The method of claim 1, wherein receiving a communication comprises receiving one of a Simple Object Access Protocol (SOAP) message or an Extended Markup Language (XML) message.

21. A method comprising:

receiving, at a transaction gateway, a communication associated with a transaction initiated by a customer, the communication including one or more requests;

each of the requests associated with a transaction service, wherein the transaction gateway comprises a processing unit, a memory, a communications interface and one or more software programs, wherein the transaction gateway receives the identity verification request via the communications interface;

determining, at the transaction gateway, the communication includes an identity verification request to verify encoded data obtained from an identification presented by the customer, wherein the determination is made using the processor and the one or more software programs;

routing the identity verification request to an identity verification service;

receiving, at the transaction gateway, a result from the identity verification service, the result including one or more identification values obtained from the encoded data, wherein the result is received at the communications interface;

transmitting the result to a requester associated with the communication;

determining the communication includes an identity validation request to assess validity of the identification;

routing the identity validation request to an identity validation service; and

receiving a validation result indicating an identification validity status assessed by the identity validation service;

at the identity validation service, matching a first one of the identification values to a first stored value;

retrieving a second stored value associated with the first stored value, the second stored value and a second one of the identification values both associated with a first identity attribute; and

if the second identification value does not match the second stored database value, setting the validation status to an alert status; and

wherein the transaction gateway is operable to route a plurality of the requests from the communication to a plurality of different corresponding transaction service providers using the transaction interface; and

wherein the transaction gateway is operable to route a plurality of the requests from the communication to a plurality of different corresponding transaction service providers.