System and method for establishing or verifying a person's identity using SMS and MMS over a wireless communications network

• US 20060265243A1
• Filed: 05/15/2006
• Published: 11/23/2006
• Est. Priority Date: 05/20/2005
• Status: Abandoned Application

• Current Assignee: MPOWER Mobile, Inc.
• Original Assignee: MPOWER Mobile, Inc.
• Inventors: Singh, Moneet, Racho, Jeffrey, Bansal, Neeraj
• Application Number:
  US11/433,970
• Publication Number:
  US 20060265243A1
• Time in Patent Office: Days
• US Class Current: 705/35
• CPC Class Codes: G06Q 20/3255 using mobile network messaging services for payment, e.g. SMS
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/42 Confirmation, e.g. check or permission by the legal debtor of payment
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 50/265 Personal security, identity or safety
• CPC Class Codes: G07C 9/23 by means of a password
• CPC Class Codes: G07C 9/253 visually

Abstract

Individuals asked to present two forms of picture identification face a problem as individuals usually only have one form of picture ID, that form of identification generally being a state-issued driver'"'"'s license. The disclosed invention is a system and method for a party, generally a Customer or Patron, to establish proof of identification to another party, generally a Merchant or Agent, via a mobile phone using the mobile communications networks. The invention thereby provides the Merchant or Agent with an additional capability to verify the identity of Customers, including verification of the date of birth of the Customer. In a preferred embodiment, the invention uses the Short Message Service (“SMS”) and Multimedia Messaging Service (“MMS”) features available on mobile phones, or other wireless communication devices, to establish the identity of a Customer after communicating a request for such identification to a government administered identification database system.

Claims

1. A method whereby a Non-identified Party may establish his or her identity to an Identifying Party, comprising the steps of:

said Identifying Party requesting that said Non-identified Party produce a form of picture identification;

said Identifying Party remitting to said Non-identified Party either a phone number associated with a mobile phone belonging to said Identifying Party or a user identification name belonging to said Identifying Party, said user identification name belonging to said Identifying Party having been created by said Identifying Party on a computer system administered by a Trusted Third Party;

said Non-identified Party electronically remitting to said computer system an identity request message sent from a mobile phone belonging to said Non-identified Party, said identity request message including either said phone number associated with a mobile phone belonging to said Identifying Party or said user identification name belonging to said Identifying Party, said Non-identified Party having created a Non-identified Party data record in a system user database administered by said computer system, said data record comprising personally identifiable information pertaining to said Non-identified Party;

said computer system receiving said identity request message;

said computer system extracting either said phone number associated with said mobile phone belonging to said Identifying Party or said user identification name belonging to said Identifying Party from said identity request message;

said computer system, should said identity request message include said user identification name belonging to said Identifying Party but not said phone number associated with said mobile phone belonging to said Identifying Party, upon locating said data record created by said Identifying Party, retrieving said phone number associated with said mobile phone belonging to said Identifying Party from said data record created by said Identifying Party;

said computer system processing said user identification name belonging to said Identifying Party or said phone number associated with said mobile phone belonging to said Identifying Party against said system user database to verify that said Identifying Party has created a data record in said system user database, said computer system terminating the method at this step should said computer system fail to locate said data record created by said Identifying Party, thereupon said computer system remitting a first failure message to said mobile phone belonging to said Non-identified Party;

said computer system extracting information identifying said mobile phone belonging to said Non-identified Party from said identity request message, thereupon said computer system processing said extracted information identifying said mobile phone belonging to said Non-identified Party against said system user database to verify that said Non-identified Party has created a data record in said system user database, said computer system terminating the method should said computer system fail to locate said data record created by said Non-identified Party, thereupon said computer system electronically remitting a second failure message to said mobile phone belonging to said Identifying Party;

said computer system electronically remitting an Identifying Party verification message to said mobile phone belonging to said Identifying Party, said Identifying Party verification message optionally including an Identifying Party personal identification code extracted by said computer system from said Identifying Party'"'"'s data record in said system user database, said Identifying Party personal identification code having been entered into said Identifying Party'"'"'s data record in said system user database by said Identifying Party when said Identifying Party created said Identifying Party'"'"'s data record;

said computer system electronically remitting a Non-identified Party verification message to said mobile phone belonging to said Non-identified Party, said Non-identified Party verification message optionally including a Non-identified Party personal identification number code extracted by said computer system from said Non-identified Party'"'"'s data record in said system user database, said Non-identified Party personal identification code having been entered into said Non-identified Party'"'"'s data record in said system user database by said Non-identified Party when said Non-identified Party created said Non-identified Party'"'"'s data record;

said Identifying Party, upon receipt of said Identifying Party verification message, electronically remitting to said computer system an Identifying Party affirmation message if said Identifying Party personal identification code is correct, said Identifying Party affirmation message affirming the desire of said Identifying Party to identify said Non-identifying Party;

said Non-identified Party, upon receipt of said Non-identified Party verification message, electronically remitting to said computer system a Non-identified Party affirmation message if said Non-identified Party personal identification code is correct, said Non-identified Party affirmation message affirming the desire of said Non-identified Party to be identified by said Identifying Party;

said computer system receiving both said Identifying Party affirmation message and said Non-identified Party affirmation message, said computer system terminating the method at this step should said computer system fail to receive both said Identifying Party affirmation message and said Non-identified Party affirmation message, thereupon said computer system electronically remitting a third failure message to said mobile phone belonging to said Identifying Party and to said mobile phone belonging to said Non-identified Party;

said computer system electronically remitting an request for the identification data of said Non-identified Party to an identification database system administered by a government agency, said Non-identified Party having registered with said government agency and having submitted said identification data of said Non-identified Party to said identification database system, said identification data of said Non-identified Party comprising a digital image of said Non-identified Party, the date of birth of said Non-identified Party, and the name of said Non-identified Party;

said identification database system performing a search for said identification data of said Non-identified Party;

said identification database system, should said search for said identification data of said Non-identified Party fail to yield a data record for said Non-identified Party in said identification database system, electronically remitting a notice to said computer system, thereupon said computer system remitting to said Identifying Party and said Non-identified Party a fourth failure message that said computer system could not produce identification data pertaining to said Non-identified Party;

said identification database system, should said search for said identification data of said Non-identified Party yield a data record for said Non-identified Party in said identification database system, electronically remitting said identification data of said Non-identified Party to said computer system;

said computer system, upon receiving said identification data of said Non-identified Party from said identification database system, generating an electronic picture identification message of said Non-identified Party, said electronic picture identification message of said Non-identified Party including said identification data of said Non-identified Party, said electronic picture identification message of said Non-identified Party optionally including a warning if said Non-identified Party is below a certain age;

said computer system electronically remitting said electronic picture identification message of said Non-identified Party to said Identifying Party; and

said Identifying Party receiving said electronic picture identification message of said Non-identified Party on said mobile phone belonging to said Identifying Party, thereupon said Identifying Party viewing said electronic picture identification message of said Non-identified Party and using said electronic picture identification message of said Non-identified Party to verify the identity of said Non-identified Party.

2. The method of claim 1, where said identity request message is delivered to a specifically identified short message service short code, telephone number, or email address for branding purposes.

3. The method of claim 1, where said identity request message, Identifying Party verification message, Non-identified Party verification message, Identifying Party affirmation message, said first failure message, said second failure message, said third failure message, said fourth failure message and Non-identified Party affirmation message are electronic communications taking the form of:

short message service (SMS) messages, phone calls to an interactive voice response (IVR) system, multimedia message service (MMS) messages, email messages, and electronic messages delivered using the wireless application protocol (WAP).

4. The method of claim 1, where said electronic picture identification message of said Non-identified Party is an electronic message delivered by the multimedia messaging service (MMS).

5. The method of claim 1, where said identity request message includes only said phone number associated with a mobile phone belonging to said Identifying Party, and the step of

said computer system, should said identity request message include said user identification name belonging to said Identifying Party but not said phone number associated with said mobile phone belonging to said Identifying Party, upon locating said data record created by said Identifying Party, retrieving said phone number associated with said mobile phone belonging to said Identifying Party from said data record created by said Identifying Party

is omitted, and the step of

said computer system processing said user identification name belonging to said Identifying Party or said phone number associated with said mobile phone belonging to said Identifying Party against said system user database to verify that said Identifying Party has created a data record in said system user database, said computer system terminating the method at this step should said computer system fail to locate said data record created by said Identifying Party, thereupon said computer system remitting a first failure message to said mobile phone belonging to said Non-identified Party

is omitted.

6. The method of claim 1, in which the step of

said computer system electronically remitting an Identifying Party verification message to said mobile phone belonging to said Identifying Party, said Identifying Party verification message optionally including an Identifying Party personal identification code extracted by said computer system from said Identifying Party'"'"'s data record in said system user database, said Identifying Party personal identification code having been entered into said Identifying Party'"'"'s data record in said system user database by said Identifying Party when said Identifying Party created said Identifying Party'"'"'s data record

is omitted, and the step of

said computer system electronically remitting a Non-identified Party verification message to said mobile phone belonging to said Non-identified Party, said Non-identified Party verification message optionally including a Non-identified Party personal identification number code extracted by said computer system from said Non-identified Party'"'"'s data record in said system user database, said Non-identified Party personal identification code having been entered into said Non-identified Party'"'"'s data record in said system user database by said Non-identified Party when said Non-identified Party created said Non-identified Party'"'"'s data record

is omitted, and the step of

said Identifying Party, upon receipt of said Identifying Party verification message, electronically remitting to said computer system an Identifying Party affirmation message if said Identifying Party personal identification code is correct, said Identifying Party affirmation message affirming the desire of said Identifying Party to identify said Non-identifying Party

is omitted, and the step of

said Non-identified Party, upon receipt of said Non-identified Party verification message, electronically remitting to said computer system a Non-identified Party affirmation message if said Non-identified Party personal identification code is correct, said Non-identified Party affirmation message affirming the desire of said Non-identified Party to be identified by said Identifying Party

is omitted, and the step of

said computer system receiving both said Identifying Party affirmation message and said Non-identified Party affirmation message, said computer system terminating the method at this step should said computer system fail to receive both said Identifying Party affirmation message and said Non-identified Party affirmation message, thereupon said computer system electronically remitting a third failure message to said mobile phone belonging to said Identifying Party and to said mobile phone belonging to said Non-identified Party

is omitted.

7. The method of claim 1, wherein said computer system is not administered by said Trusted Third Party, but is instead administered by said government agency administering said identification database system and optionally wherein a single information technology system comprises said computer system, said system user database and said identification database system.

8. The method of claim 1, wherein the step of

said computer system electronically remitting an request for the identification data of said Non-identified Party to an identification database system administered by a government agency, said Non-identified Party having registered with said government agency and having submitted said identification data of said Non-identified Party to said identification database system, said identification data of said Non-identified Party comprising a digital image of said Non-identified Party, the date of birth of said Non-identified Party, and the name of said Non-identified Party

is omitted, and replaced by the step of

said computer system electronically remitting an request for the identification data of said Non-identified Party to an identification database system administered by said Trusted Third Party, said identification data of said Non-identified Party comprising a digital image of said Non-identified Party, the date of birth of said Non-identified Party, and the name of said Non-identified Party, said Trusted Third Party either having received said identification data of said Non-identified Party from said Non-identified Party after having verified the identity of said Non-identified Party, or having received said identification data of said Non-identified Party from a government agency which has stored said identification data of said Non-identified Party.

9. A computer system functioning as the computer system of claim 1, said computer system comprising a plurality of computers, a plurality of servers a plurality of routers, a plurality of electronic communications devices and a database software application.

10. A method whereby a Non-identified Party may establish his or her identity to an Identifying Party, comprising the steps of:

said Identifying Party requesting that said Non-identified Party produce a form of picture identification;

said Non-identified Party remitting to said Identifying Party either a phone number associated with a mobile phone belonging to said Non-identified Party or a user identification name belonging to said Non-identified Party, said user identification name belonging to said Non-identified Party having been created by said Non-identified Party on a computer system administered by a Trusted Third Party;

said Identifying Party electronically remitting to said computer system an identity request message sent from a mobile phone belonging to said Identifying Party, said identity request message including either said phone number associated with a mobile phone belonging to said Non-identified Party or said user identification name belonging to said Non-identified Party, said Non-identified Party having created a Non-identified Party data record in a system user database administered by said computer system, said data record comprising personally identifiable information pertaining to said Non-identified Party;

said computer system receiving said identity request message;

said computer system extracting either said phone number associated with said mobile phone belonging to said Non-identified Party or said user identification name belonging to said Non-identified Party from said identity request message;

said computer system, should said identity request message include said user identification name belonging to said Non-identified Party but not said phone number associated with said mobile phone belonging to said Non-identified Party, upon locating said data record created by said Non-identified Party, retrieving said phone number associated with said mobile phone belonging to said Non-identified Party from said data record created by said Non-identified Party;

said computer system processing said user identification name belonging to said Non-identified Party or said phone number associated with said mobile phone belonging to said Non-identified Party against said system user database to verify that said Non-identified Party has created a data record in said system user database, said computer system terminating the method at this step should said computer system fail to locate said data record created by said Non-identified Party, thereupon said computer system remitting a first failure message to said mobile phone belonging to said Identifying Party;

said computer system extracting information identifying said mobile phone belonging to said Identifying Party from said identity request message, thereupon said computer system processing said extracted information identifying said mobile phone belonging to said Identifying Party against said system user database to verify that said Identifying Party has created a data record in said system user database, said computer system terminating the method should said computer system fail to locate said data record created by said Identifying Party, thereupon said computer system electronically remitting a second failure message to said mobile phone belonging to said Non-identifying Party;

said computer system electronically remitting an Identifying Party verification message to said mobile phone belonging to said Identifying Party, said Identifying Party verification message optionally including an Identifying Party personal identification code extracted by said computer system from said Identifying Party'"'"'s data record in said system user database, said Identifying Party personal identification code having been entered into said Identifying Party'"'"'s data record in said system user database by said Identifying Party when said Identifying Party created said Identifying Party'"'"'s data record;

said computer system electronically remitting a Non-identified Party verification message to said mobile phone belonging to said Non-identified Party, said Non-identified Party verification message optionally including a Non-identified Party personal identification number code extracted by said computer system from said Non-identified Party'"'"'s data record in said system user database, said Non-identified Party personal identification code having been entered into said Non-identified Party'"'"'s data record in said system user database by said Non-identified Party when said Non-identified Party created said Non-identified Party'"'"'s data record;

said Identifying Party, upon receipt of said Identifying Party verification message, electronically remitting to said computer system an Identifying Party affirmation message if said Identifying Party personal identification code is correct, said Identifying Party affirmation message affirming the desire of said Identifying Party to identify said Non-identifying Party;

said Non-identified Party, upon receipt of said Non-identified Party verification message, electronically remitting to said computer system a Non-identified Party affirmation message if said Non-identified Party personal identification code is correct, said Non-identified Party affirmation message affirming the desire of said Non-identified Party to be identified by said Identifying Party;

said computer system receiving both said Identifying Party affirmation message and said Non-identified Party affirmation message, said computer system terminating the method at this step should said computer system fail to receive both said Identifying Party affirmation message and said Non-identified Party affirmation message, thereupon said computer system electronically remitting a third failure message to said mobile phone belonging to said Identifying Party and to said mobile phone belonging to said Non-identified Party;

said computer system electronically remitting an request for the identification data of said Non-identified Party to an identification database system administered by a government agency, said Non-identified Party having registered with said government agency and having submitted said identification data of said Non-identified Party to said identification database system, said identification data of said Non-identified Party comprising a digital image of said Non-identified Party, the date of birth of said Non-identified Party, and the name of said Non-identified Party;

said identification database system performing a search for said identification data of said Non-identified Party;

said identification database system, should said search for said identification data of said Non-identified Party fail to yield a data record for said Non-identified Party in said identification database system, electronically remitting a notice to said computer system, thereupon said computer system remitting to said Identifying Party and said Non-identified Party a fourth failure message that said computer system could not produce identification data pertaining to said Non-identified Party;

said identification database system, should said search for said identification data of said Non-identified Party yield a data record for said Non-identified Party in said identification database system, electronically remitting said identification data of said Non-identified Party to said computer system;

said computer system, upon receiving said identification data of said Non-identified Party from said identification database system, generating an electronic picture identification message of said Non-identified Party, said electronic picture identification message of said Non-identified Party including said identification data of said Non-identified Party, said electronic picture identification message of said Non-identified Party optionally including a warning if said Non-identified Party is below a certain age;

said computer system electronically remitting said electronic picture identification message of said Non-identified Party to said Identifying Party; and

said Identifying Party receiving said electronic picture identification message of said Non-identified Party on said mobile phone belonging to said Identifying Party, thereupon said Identifying Party viewing said electronic picture identification message of said Non-identified Party and using said electronic picture identification message of said Non-identified Party to verify the identity of said Non-identified Party.

11. The method of claim 10, where said identity request message is delivered to a specifically identified short message service short code, telephone number, or email address for branding purposes.

12. The method of claim 10, where said identity request message, Identifying Party verification message, Non-identified Party verification message, Identifying Party affirmation message, said first failure message, said second failure message, said third failure message, said fourth failure message and Non-identified Party affirmation message are electronic communications taking the form of:

short message service (SMS) messages, phone calls to an interactive voice response (IVR) system, multimedia message service (MMS) messages, email messages, and electronic messages delivered using the wireless application protocol (WAP).

13. The method of claim 10, where said electronic picture identification message of said Non-identified Party is an electronic message delivered by the multimedia messaging service (MMS).

14. The method of claim 10, where the step of

said computer system extracting information identifying said mobile phone belonging to said Identifying Party from said identity request message, thereupon said computer system processing said extracted information identifying said mobile phone belonging to said Identifying Party against said system user database to verify that said Identifying Party has created a data record in said system user database, said computer system terminating the method should said computer system fail to locate said data record created by said Identifying Party, thereupon said computer system electronically remitting a second failure message to said mobile phone belonging to said Non-identifying Party

is omitted.

15. The method of claim 10, in which the step of

said computer system electronically remitting an Identifying Party verification message to said mobile phone belonging to said Identifying Party, said Identifying Party verification message optionally including an Identifying Party personal identification code extracted by said computer system from said Identifying Party'"'"'s data record in said system user database, said Identifying Party personal identification code having been entered into said Identifying Party'"'"'s data record in said system user database by said Identifying Party when said Identifying Party created said Identifying Party'"'"'s data record

is omitted, and the step of

said computer system electronically remitting a Non-identified Party verification message to said mobile phone belonging to said Non-identified Party, said Non-identified Party verification message optionally including a Non-identified Party personal identification number code extracted by said computer system from said Non-identified Party'"'"'s data record in said system user database, said Non-identified Party personal identification code having been entered into said Non-identified Party'"'"'s data record in said system user database by said Non-identified Party when said Non-identified Party created said Non-identified Party'"'"'s data record

is omitted, and the step of

said Identifying Party, upon receipt of said Identifying Party verification message, electronically remitting to said computer system an Identifying Party affirmation message if said Identifying Party personal identification code is correct, said Identifying Party affirmation message affirming the desire of said Identifying Party to identify said Non-identifying Party

is omitted, and the step of

said Non-identified Party, upon receipt of said Non-identified Party verification message, electronically remitting to said computer system a Non-identified Party affirmation message if said Non-identified Party personal identification code is correct, said Non-identified Party affirmation message affirming the desire of said Non-identified Party to be identified by said Identifying Party

is omitted, and the step of

said computer system receiving both said Identifying Party affirmation message and said Non-identified Party affirmation message, said computer system terminating the method at this step should said computer system fail to receive both said Identifying Party affirmation message and said Non-identified Party affirmation message, thereupon said computer system electronically remitting a third failure message to said mobile phone belonging to said Identifying Party and to said mobile phone belonging to said Non-identified Party

is omitted.

16. The method of claim 10, wherein said computer system is not administered by said Trusted Third Party, but is instead administered by said government agency administering said identification database system and optionally wherein a single information technology system comprises said computer system, said system user database and said identification database system.

17. The method of claim 10, wherein the step of

said computer system electronically remitting an request for the identification data of said Non-identified Party to an identification database system administered by a government agency, said Non-identified Party having registered with said government agency and having submitted said identification data of said Non-identified Party to said identification database system, said identification data of said Non-identified Party comprising a digital image of said Non-identified Party, the date of birth of said Non-identified Party, and the name of said Non-identified Party

is omitted, and replaced by the step of

said computer system electronically remitting an request for the identification data of said Non-identified Party to an identification database system administered by said Trusted Third Party, said identification data of said Non-identified Party comprising a digital image of said Non-identified Party, the date of birth of said Non-identified Party, and the name of said Non-identified Party, said Trusted Third Party either having received said identification data of said Non-identified Party from said Non-identified Party after having verified the identity of said Non-identified Party, or having received said identification data of said Non-identified Party from a government agency which has stored said identification data of said Non-identified Party.

18. A computer system functioning as the computer system of claim 10, said computer system comprising a plurality of computers, a plurality of servers a plurality of routers, a plurality of electronic communications devices and a database software application.