System and method for verifying identity

• US 9,189,788 B1
• Filed: 12/16/2005
• Issued: 11/17/2015
• Est. Priority Date: 09/21/2001
• Status: Expired due to Fees

• Current Assignee: Open Invention Network LLC
• Original Assignee: Open Invention Network LLC
• Inventors: Robinson, Timothy L., Schildt, Bradford R., Goff, Tennille V., Corwin, Daniel J., Watson, Timothy Neil
• Primary Examiner(s): Agwumezie, Charles C
• Application Number:
  US11/304,786
• Time in Patent Office: 3,623 Days
• Field of Search: 705/1, 705/16, 705/18, 705/39, 705/41, 705/44, 705/76
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/3272 using an audio code
• CPC Class Codes: G06Q 20/3274 using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
• CPC Class Codes: G06Q 20/384 using social networks
• CPC Class Codes: G06Q 20/386 using messaging services or messaging apps using mobile network messaging services for payment, e.g. SMS G06Q20/3255
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 20/4016 involving fraud or risk level assessment in transaction processing

Abstract

A system and method of identity verification at a point-of-identification verification (POV) using biometric-based identity recognition and an identity verifying score based upon a presenter'"'"'s initial identification presentment and their subsequent action in the system. The system also provides tracking and evaluates verifier activity within the system through biometric-based identity recognition and a performance score based upon their actions and the results of their actions within the system. System users register at least one biometric identifier and personal and/or business identity-verifying data. Users present a biometric sample obtained from their person and their system ID number to conduct identification transactions. This data is used to authenticate the user'"'"'s identity to a percentage of reliability and allows a user with consistently positive ID verifications to establish a higher ID score, strengthening their credibility within the system. Once enrolled, the system allows the user to be identified without presenting any token-based information, such as a driver'"'"'s license or passport. In one embodiment, an identity verification score generated via the system can be employed in conjunction with online transactions, such as purchases, auctions, email, instant messaging, and the like.

Claims

1. A method for conducting an online transaction with the assistance of an identity verification score, the method comprising:

receiving, via a remote biometric input device operably connected to a network enabling access to a virtual environment, a first sample of biometric data proffered by a presenter seeking to conduct a transaction via the virtual environment;

comparing, via a computing device, said first sample of said biometric data with a second sample of biometric data stored in a system record;

determining, via said computing device, whether said first sample of said biometric data matches said second sample of said biometric data;

in response to said received first sample of said biometric data matching said second sample of said biometric data, determining an identity verification score associated with said system record, the identity verification score at least including a third party testament variable via a third party mobile device;

playing, by said computing device, a tone of said third party mobile device;

receiving, by said computing device, the tone from a device of said presenter;

determining, by said computing device, a physical proximity between said presenter device and said third party mobile device, using the received tone;

determining, by said computing device, an identity verification score using the determined physical proximity; and

authorizing, by said computing device, the transaction using the identity verification score.

2. The method of claim 1, wherein said identity verification score is further reflective of online transactions conducted by said presenter.

3. The method of claim 1, comprising automatic evaluation of said identity verification score, wherein said automatic evaluation of said identity verification score is configured by one or more of a second party and a third party.

4. The method of claim 1, comprising governing said transaction in the virtual environment based upon said identity verification score, wherein said governing comprises requesting said presenter to perform one or more identity verification actions.