System, method and computer program for verifying a signatory of a document

• US 9,122,911 B2
• Filed: 12/05/2014
• Issued: 09/01/2015
• Est. Priority Date: 03/28/2013
• Status: Active Grant

• Current Assignee: Paycasso Verify Ltd.
• Original Assignee: Paycasso Verify Ltd.
• Inventors: King, Russell
• Primary Examiner(s): LE, BRIAN Q
• Application Number:
  US14/562,318
• Publication Number:
  US 20150086088A1
• Time in Patent Office: 270 Days
• US Class Current: 1/1
• CPC Class Codes: B42D 25/00 Information-bearing cards or sheet-like structures characterised by identification or security features; Manufacture thereof printing processes to produce identification or security features B41M3/14
• CPC Class Codes: B42D 25/305 Associated digital information record carriers for use with machines and with at least a part designed to carry digital markings G06K19/00
• CPC Class Codes: G06V 10/993 Evaluation of the quality of the acquired pattern
• CPC Class Codes: G06V 40/16 Human faces, e.g. facial parts, sketches or expressions
• CPC Class Codes: G06V 40/172 Classification, e.g. identification
• CPC Class Codes: G06V 40/30 Writer recognition; Reading and verifying signatures
• CPC Class Codes: G06V 40/45 Detection of the body part being alive

Abstract

Systems and method for verifying a user signing a document are disclosed. In particular, certain disclosed embodiments relate to verifying that a user signing a document corresponds to a previously authenticated user, the user having been previously authenticated using a source of machine-readable identity data. The verifying may be made by receiving, from the source of machine-readable identity data, first digital image data indicative of a first image of the previously authenticated user and first identity data, and receiving from a camera, a captured second image comprising second digital image data that corresponds to the user. Responsive to the first image and the second image being determined to represent the same user, verification data is generated and associated with the document.

Claims

1. A method of verifying that a user signing a document corresponds to a previously authenticated user, the previously authenticated user having been previously authenticated using a source of machine-readable identity data, the method comprising:

receiving, from the source of machine-readable identity data, first digital image data indicative of a first image of the previously authenticated user;

receiving, from the source of machine-readable identity data, first identity data associated with the first digital image data, the first identity data being associated with the previously authenticated user;

receiving, from a camera, a captured second image comprising second digital image data, wherein the second image corresponds to the user;

comparing the first digital image data to the second digital image data;

determining, based on the comparing of the first digital image data to the second digital image data, that the first image and the second image represent the same user;

responsive to the first image and the second image being determined to represent the same user, generating verification data indicating that the user is the previously authenticated user, the verification data including second identity data indicative of the previously authenticated user;

associating the verification data with the document;

deriving, based on the document, third identity data indicative of an intended signatory of the document; and

determining, using the first identity data and the third identity data, that the intended signatory corresponds to the previously authenticated user; and

wherein the step of generating verification data is further responsive to the determining that the intended signatory corresponds to the previously authenticated user.

3. The method of claim 1, wherein the third identity data is derived by parsing text data of the document.

4. The method of claim 1, wherein the source of machine-readable identification data is an identity document, the identity document having previously authenticated the previously authenticated user;

the method further comprising;

capturing, using a camera, an image of the identity document, thereby to obtain at least one of the first digital image data and the first identity data.

5. The method of claim 4, wherein the capturing an image of the identity document is to obtain the first digital image data, the method further comprising:

accessing, by a chip reader, an integrated circuit component of the identity document, thereby to obtain third digital image data indicative of a third digital image of the previously authenticated user;

comparing the second digital image data to the third digital image data; and

determining, based on the comparing of the second digital image data to the third digital image data, that the second digital image and the third digital image represent the same user.

6. The method of claim 1, wherein the source of machine-readable identity data is an identity document, the method further comprising:

accessing, by a chip reader, an integrated circuit component of the identity document thereby to receive the first digital image data and the first identity data.

7. The method of claim 1, wherein the source of machine-readable identity data is an identity document, the method further comprising:

reading security data from the identity document; and

determining that the identity document is genuine based at least in part on the security data; and

wherein the generating verification data is responsive to both the determining that the identity document is genuine and the determining that the first digital image and the second digital image represent the same user.

8. The method of claim 1, wherein the associating the verification data with the document is responsive to receipt of input data indicative of an intent of the user to sign the document.

9. The method of claim 8, wherein the input data is stored and associated with the document.

2. A non-transitory computer-readable storage medium comprising a set of computer-readable instructions stored thereon, which, when executed by a processor of a computing device, cause the computing device to verify that a user signing a document corresponds to a previously authenticated user, the previously authenticated user have been previously authenticated by a source of machine-readable identity data, by:

receiving, from the source of machine-readable identity data, first digital image data indicative of a first image of the previously authenticated user;

receiving, from the source of machine-readable identity data, first identity data associated with the digital image data, the first identity data being associated with the previously authenticated user;

receiving, from a camera, a captured second image comprising second digital image data, wherein the second image corresponds to the user;

comparing the first digital image data to the second digital image data;

determining, based on the comparing of the first digital image data to the second digital image data, that the first image and the second image represent the same user;

responsive to the first image and the second image being determined to represent the same user, generating verification data indicating that the user is the previously authenticated user, the verification data including second identity data indicative of the previously authenticated user;

associating the verification data with the document;

deriving, based on the document, third identity data indicative of an intended signatory of the document; and

determining, using the first identity data and the third identity data, that the intended signatory corresponds to the previously authenticated user; and

wherein the step of generating verification data is further responsive to the determining that the intended signatory corresponds to the previously authenticated user.

10. A system for verifying that a user signing a document corresponds to a previously authenticated user, the previously authenticated user having been previously authenticated using a source of machine-readable identity data, the system comprising:

a processor;

a memory in data communication with the processor;

computer instructions stored in the memory, which, when executed by the processor, are configured to cause the system to;

receive, from the source of machine-readable identity data, first digital image data indicative of a first image of the previously authenticated user;

receive, from the source of machine-readable identity data, first identity data associated with the first digital image data, the first identity data being associated with the previously authenticated user;

receive, from a camera, a captured second image comprising second digital image data, wherein the second image corresponds to the user;

compare the first digital image data to the second digital image data;

determine, based on the comparison of the first digital image data to the second digital image data, that the first image and the second image represent the same user;

responsive to the first image and the second image being determined to represent the same user, generate verification data indicating that the user is the previously authenticated user, the verification data including second identity data indicative of the previously authenticated user;

associate the verification data with the document;

derive, based on the document, third identity data indicative of an intended signatory of the document; and

determine, using the first identity data and the third identity data, that the intended signatory corresponds to the previously authenticated user; and

wherein the generation of verification data is further responsive to the determining that the intended signatory corresponds to the previously authenticated user.

11. The system of claim 10, wherein the computer instructions are configured to cause the system to derive the third identity data by parsing text data of the document.

12. The system of claim 10, wherein the source of machine-readable identity data is an identity document, the identity document having previously authenticated the previously authenticated user;

wherein the computer instructions are further configured to cause the system to;

capture, using a camera, an image of the identity document, thereby to receive at least one of the first digital image data and the first identity data.

13. The system of claim 12, wherein the computer instructions are configured to cause the system to capture an image of the identity document thereby to obtain the first digital image data, and wherein the computer instructions are further configured to cause the system to:

access, by a chip reader, an integrated circuit component of the identity document, thereby to obtain third digital image data indicative of a third digital image of the previously authenticated user;

compare the second digital image data to the third digital image data; and

determine, based on the comparison of the second digital image data to the third digital image data, that the second digital image and the third digital image represent the same user.

14. The system of claim 10, wherein the source of machine-readable identity data is an identity document and the computer instructions are further configured to cause the system to:

access, by a chip reader, an integrated circuit component of the identity document thereby to receive the first digital image data and the first identity data.

15. The system of claim 10, wherein the source of machine-readable identity data is an identity document and the computer instructions are further configured to cause the system to:

read security data from the identity document; and

determine that the identity document is genuine based at least in part on the security data; and

wherein the generation of verification data is responsive to both the determining that the identity document is genuine and the determining that the first digital image and the second digital image represent the same user.

16. The system of claim 10, wherein the computer instructions are configured to cause the system to associate the verification data with the document responsive to receipt of input data indicative of an intent of the user to sign the document.

17. The system of claim 16, wherein the computer instructions are configured to further cause the system to store the input data and associate the stored input data with the document.