System and Method for Strong Remote Identity Proofing

• US 20120191621A1
• Filed: 08/02/2010
• Published: 07/26/2012
• Est. Priority Date: 07/31/2009
• Status: Active Application

• Current Assignee: Anakam, Inc. (Equifax, Inc.)
• Original Assignee: Anakam, Inc. (Equifax, Inc.)
• Inventors: Williams, Jeffrey B., Camaisa, Allan
• Granted Patent: US 10,284,548 B2
• Time in Patent Office: Days
• US Class Current: 705/325
• CPC Class Codes: G06Q 50/265 Personal security, identity or safety
• CPC Class Codes: H04L 2463/082 applying multi-factor authentication cryptographic mechanisms or cryptographic arrangements including means for verifying the identity or authority of a user of the system or for message authentication H04L9/32
• CPC Class Codes: H04L 63/0838 using one-time-passwords
• CPC Class Codes: H04L 63/18 using different networks or channels, e.g. using out of band channels cryptographic mechanisms or cryptographic arrangements for key distribution involving distinctive intermediate devices or communication paths H04L9/0827; cryptographic mechanisms or cryptographic arrangements for authentication using a plurality of channels H04L9/3215

Abstract

A method and system for strong remote identity proofing.

Claims

1. A method of real-time remote identity proofing a user comprising the steps of:

asking the user to provide biographic data;

asking the user to select from various types of government-issued identification cards;

asking the user to select from various types of financial accounts;

asking the user to select from various partially-obscured telephone numbers;

placing a call to the user at the selected phone number;

presenting an identity-proofing transaction number to the user via a web server based on said user'"'"'s selections; and

asking the user to enter the identity-proofing transaction number via the telephone.

2. The method of claim 1 further comprising the step of asking the user to perform a knowledge-based authentication.

3. The method of claim 2 wherein said step comprises asking dummy questions.

4. The method of claim 1 wherein said identify-proofing transaction number is a phrase.

5. The method of claim 1 wherein the identify-proofing transaction number is voice-identified.

6. The method of claim 1 further comprising the step of presenting the results for scoring against enterprise rules for determination of the user'"'"'s identity.

7. Apparatus for real time remote identify proofing a user comprising:

a computer;

a web server;

said computer connected to said network via said web server;

an identity proofing server connected to said network;

data associated with an individual to be identity-proofed, said data available to said network and said data including name;

data associated with government issued identification cards, said data available to said network;

data associated with financial accounts, said data available to said network;

data associated with telephone numbers of the individual to be identity-proofed, said data available to said network;

second data for knowledge-based authentication, said data available to said network; and

a telephone associated with said individual to be identity-proofed.

8. The system of claim 7 wherein said data associated with an individual includes date of birth.

9. The system of claim 7 wherein said data associated with an individual includes social security number.

10. The system of claim 7 wherein said second data includes dummy questions, said data available to said network.

11. The system of claim 7 further comprising an identity proofing transaction storage server connected to said network.

12. The system of claim 7 wherein said data associated with government issued identification cards includes military identification cards.

13. The system of claim 7 wherein said data associated with government issued identification includes medical licenses.

14. An information system for real time remote identify proofing a user in an electronic network comprising:

a computer;

a web server;

said computer connected to said network via said web server;

an identity proofing server connected to said network;

data associated with an individual to be identity-proofed, said data available to said network;

data associated with government issued identification cards, said data available to said network;

data associated with financial accounts, said data available to said network;

data associated with telephone numbers of the individual to be identity-proofed, said data available to said network; and

a telephone associated with said individual to be identity-proofed.

15. The system of claim 14 wherein said data associated with an individual includes name.

16. The system of claim 14 wherein said data associated with an individual includes date of birth.

17. The system of claim 14 wherein said data associated with an individual includes social security number.

18. The system of claim 14 further comprising second data for knowledge-based authentication, said data available to said network.

19. The system of claim 18 wherein said second data includes dummy questions.

20. The system of claim 14 further comprising an identity proofing transaction storage server connected to said network.