DIGITAL IDENTITY

• US 20180046856A1
• Filed: 07/28/2017
• Published: 02/15/2018
• 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
• Granted Patent: US 10,453,159 B2
• Time in Patent Office: Days
• 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

1-6. -6. (canceled)

7. A computing system for managing a digital identification of an individual, the computer system comprising one or more computer processors configured to:

access a form of identification of an individual;

identify at least a name and a photograph of the individual from the form of identification;

transmit at least a portion of identification data from the form of identification to a document authentication service with a request to validate authenticity of the form of identification;

determine, based at least in part on a response from the document authentication service, that the form of identification is valid;

provide one or more authentication questions to a user computing device;

determine, based at least in part on a response to the one or more authentication questions, that a user of the user computing device is the individual named in the form of identification;

generate a digital identity specific to the individual and usable by the individual to authenticate the individual in place of the form of identification of the individual; and

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.

8. The computing system of claim 7, wherein to access the form of identification the one or more processors are further configured to receive a scan of the form of identification.

9. The computing system of claim 8, wherein the form of identification comprises at least one of a driver'"'"'s license, a passport, a government-issued form of ID, or an identification card.

10. The computing system of claim 7, further comprising an image scanning device in communication with the one or more processors and configured to scan the form of identification.

11. The computing system of claim 10, wherein the image scanning device comprises at least one of a camera, a scanner, or a smartphone.

12. The computing system of claim 7, wherein the digital identity comprises the photograph of the individual identified from the form of identification of the individual and at least some of the identification data.

13. The computing system of claim 7, wherein the digital identity comprises at least one of an indication that the form of identification is valid or an indication that the identity of the individual has been validated.

14. The computing system of claim 7, wherein the digital identity comprises a validation date corresponding to a date that the identity of the individual was validated.

15. The computing system of claim 7, wherein the one or more computer processors are further configured to access credit data of the individual, and wherein at least one of the authentication questions is based on information in the accessed credit data.

16. The computing system of claim 7, wherein the one or more computer processors are further configured to store the digital identity on a network-accessible server and provide an application programming interface to one or more online services, wherein the application programming interface is configured to allow the one or more online services to access the digital identity.

17. The computing system of claim 7, wherein authenticity of the form of identification indicates that the form of identification was issued by an issuing entity indicated on the form of identification.

18. The computing system of claim 17, wherein authenticity of the form of identification is indicated as a confidence level within a range of possible confidence levels.

19. The computing system of claim 7, wherein the one or more computer processors are further configured to provide at least some of the identification data to an enrollment service, wherein the at least some of the identification data is usable to at least partially prepopulate one or more enrollment forms.

20. The computing system of claim 19, wherein the one or more enrollment forms are required for enrollment in a credit monitoring service.

21. The computing system of claim 7, wherein the one or more computer processors are further configured to:

identify another photograph of the individual from a social media site corresponding to the individual; and

transmit at least a portion of the another photograph to the document authentication service.

22. A method of managing a digital identification of an individual, the method comprising:

accessing a form of identification of an individual;

identifying at least a name and a photograph of the individual from the form of identification;

transmitting at least a portion of identification data from the form of identification to a document authentication service with a request to validate authenticity of the form of identification;

determining, based at least in part on a response from the document authentication service, that the form of identification is valid;

providing one or more authentication questions to a user computing device;

determining, based at least in part on a response to the one or more authentication questions, that a user of the user computing device is the individual named in the form of identification;

generating a digital identity specific to the individual and usable by the individual to authenticate the individual in place of the form of identification of the individual; and

transmitting 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.

23. The method of claim 22, wherein the form of identification comprises at least one of a driver'"'"'s license, a passport, a government-issued form of ID, or an identification card.

24. The method of claim 22, wherein the digital identity comprises the photograph of the individual identified from the form of identification of the individual and at least some of the identification data.

25. The method of claim 22, further comprising storing the digital identity on a network-accessible server and provide an application programming interface to one or more online services, wherein the application programming interface is configured to allow the one or more online services to access the digital identity.

26. The method of claim 22, further comprising:

identifying another photograph of the individual from a social media site corresponding to the individual; and

transmitting at least a portion of the another photograph to the document authentication service.