Digital identity

• US 9,721,147 B1
• Filed: 05/13/2014
• Issued: 08/01/2017
• Est. Priority Date: 05/23/2013
• Status: Active Grant

• Current Assignee: Consumerinfo.com Incorporated (Experian plc)
• Original Assignee: Consumerinfo.com Incorporated (Experian plc)
• Inventors: Kapczynski, Mark Joseph
• Primary Examiner(s): Bitar, Nancy
• Application Number:
  US14/276,540
• Time in Patent Office: 1,176 Days
• Field of Search: None
• CPC Class Codes: G06Q 50/265 Personal security, identity or safety

Abstract

A digital identity, which may include a user interface that may be displayed on a mobile computing device, may be generated to include information extracted from a physical identification card (e.g., driver license or passport), as well as information regarding validation of the physical identification card and of the consumer'"'"'s identity. The digital identity may be used in place of the physical identification card.

Claims

1. A computing system for managing a digital identification of a user, the computer system comprising:

a user computing device; and

a digital identity management device comprising one or more computer processors configured to;

access an image of a driver license of a user;

extract information regarding the user from the driver license image, the information including at least a name of the user and a photograph of the user;

transmit the driver license image to a document authentication service with a request to validate authenticity of the driver license;

receive from the document authentication service an indication of whether the driver license is valid;

provide one or more authentication questions to the user, wherein responses to the one or more authentication questions are usable to determine whether the user is the user named in the driver license image;

receive responses to the one or more authentication questions;

determine, based at least in part on the responses, whether the user is the user named in the driver license image;

in response to determining that both (i) the driver license is valid and (ii) that the user is the user named in the driver license image, generate a digital identity specific to the user and usable by the user to authenticate the user in place of the driver license of the user, the digital identity configured for display on the user computing device, the digital identity including;

the photograph of the user extracted from the driver license of the user,

at least some of the information extracted from the driver license image,

an indication that the at least some of the information extracted from the driver license image was extracted from a validly issued driver license, and

an indication that the identity of the user has been validated;

transmit the digital identity to the user computing device, the user computing device configured to display the digital identity to a third party in response to an identification request from the third party.

2. The computing system of claim 1, wherein the one or more computer processors of the digital identity management device are further configured to:

access credit data of the user, wherein at least one of the authentication questions are based on information in the accessed credit data.

3. The computing system of claim 1, wherein the one or more computer processors of the digital identity management device are further configured to:

store the digital identity on a network-accessible server;

provide an application programming interface to one or more online services, the application programming interface configured to allow the one or more online services to access the digital identity.

4. The computing system of claim 1, wherein authenticity of the driver license indicates that the driver license was issued by an issuing entity indicated on the driver license.

5. The computing system of claim 4, wherein authenticity of the driver license is indicated as a confidence level within a range of possible confidence levels.

6. The computing system of claim 1, wherein the one or more computer processors of the digital identity management device are further configured to:

provide at least some of the information extracted from the driver'"'"'s license of the user to an enrollment service, wherein the at least some of the information extracted from the driver'"'"'s license of the user is usable to at least partially prepopulate one or more enrollment forms.

7. The computing system of claim 6, wherein the one or more enrollment forms are required for enrollment in a credit monitoring service.

8. The computing system of claim 1, wherein the one or more computer processors of the digital identity management device are further configured to:

extract the another photograph of the user from a social media site corresponding to the user.

9. The computing system of claim 1, wherein the digital identity further includes device information associated with the user computing device.

10. The computing system of claim 1, wherein the one or more computer processors of the digital identity management device are further configured to:

receive additional information regarding the user from a third party data source, where the additional information is included in the digital identity.

11. The computing system of claim 1, wherein the digital identity further includes a driver license validation date indicating a date that the at least some of the information extracted from the driver license image was validated.

12. The computing system of claim 11, wherein the digital identity further includes a user validation date indicating a date that the identity of the user was validated.

13. The computing system of claim 12, wherein the one or more computer processors of the digital identity management device are further configured to:

in response to determining that a first validation time period since the driver license validation date has passed or a second validation time period since the user validation date has passed, updating the digital identity to indicate that updated validation is needed.

14. The computing system of claim 1, wherein the digital identity further includes an indicator of an issuer of the digital identity.