IDENTITY VERIFICATION SYSTEM

• US 20180121919A1
• Filed: 12/22/2017
• Published: 05/03/2018
• Est. Priority Date: 03/30/2009
• Status: Active Grant

• Current Assignee: Apex Techlink Incorporated
• Original Assignee: Alexander Song, Catherine Lew, Victoria Song, Yuh-Shen Song
• Inventors: SONG, Yuh-shen, LEW, Catherine, SONG, Alexander, SONG, Victoria
• Granted Patent: US 10,713,661 B2
• Time in Patent Office: Days
• CPC Class Codes: G06F 21/33 using certificates
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/38 Payment protocols; Details thereof
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 20/4016 involving fraud or risk level assessment in transaction processing
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 30/0248 Avoiding fraud
• CPC Class Codes: G06Q 40/12 Accounting
• CPC Class Codes: G06Q 50/265 Personal security, identity or safety
• CPC Class Codes: H04L 63/101 Access control lists [ACL]
• CPC Class Codes: H04L 63/102 : Entity profiles

Abstract

A computerized and networked system protects individuals against identity theft without the need to disclose the detailed personal information of the individuals. Furthermore, the system helps prevent loss and damage to consumers, financial institutions and merchants caused by financial crimes related to identity theft. In addition, users can conduct payments in a secure manner without the need to use any traditional financial instrument. A pass code can be generated for each transaction and sent to a user'"'"'s personal communications device. When the correct pass code is received from the user, the transaction is then authorized.

Claims

1. A method of verifying an identity during a transaction, comprising:

storing, at a first computer system, a first set of data comprising a portion of identification information of a user, the first set of data being insufficient to determine an identity of the user;

storing, at the first computer system, a portion of an account number of a financial instrument of the user, the portion of the account number associated with the first set of data;

receiving, at the first computer system from a second computer system, the portion of the account number;

receiving, at the first computer system from the second computer system, a second set of data obtained by the second computer system based on information extracted from a first identification document;

comparing, at the first computer system, the second set of data with the first set of data, the first set of data retrieved in response to the received portion of the account number; and

approving, by the first computer system, the transaction associated with the financial instrument when the second set of data corresponds to the first set of data.

2. The method of claim 1, in which the portion of the identification information is obtained from a second identification document comprising at least one of a driver'"'"'s license, a passport, a government-issued identification document, an alien identification card, a student identification card, a social security card, a tax identification card, a national identification card, a voter identification card, a benefits card, an official identification document, or a combination thereof.

3. The method of claim 1, in which the first computer system comprises at least one of a personal communication device, a device interface, or a combination thereof.

4. The method of claim 3, in which the device interface comprises at least one of a keyboard, a keypad, a monitor, a display, a terminal, a computer, a control panel, a vehicle dash board, a network interface, a machinery interface, a video interface, an audio interface, an electronic interface, a magnetic interface, an electromagnetic interface including an electromagnetic wave interface, an optical interface, a light interface, an acoustic interface, a contactless interface, a mobile phone interface, a smartphone interface, a personal computer interface, a Personal Digital Assistant (PDA) interface, a handheld device interface, a portable device interface, a wireless interface, a wired interface, or a combination thereof.

5. The method of claim 1, in which the second computer system comprises at least one of a personal communication device, a device interface, or a combination thereof.

6. The method of claim 5, in which the device interface comprises at least one of a keyboard, a keypad, a monitor, a display, a terminal, a computer, a control panel, a vehicle dash board, a network interface, a machinery interface, a video interface, an audio interface, an electronic interface, a magnetic interface, an electromagnetic interface including an electromagnetic wave interface, an optical interface, a light interface, an acoustic interface, a contactless interface, a mobile phone interface, a smartphone interface, a personal computer interface, a personal digital assistant (PDA) interface, a handheld device interface, a portable device interface, a wireless interface, a wired interface, or a combination thereof.

7. The method of claim 1, in which the financial instrument comprises at least one of a check, a credit card, a debit card, a gift card, a prepaid card, a stored value card, an ATM card, a wire, a letter of credit, a monetary instrument, an electronic fund transfer, an instrument for a financial account, or a combination thereof.

8. The method of claim 1, in which the first set of data is associated with at least one of a name, an address, a date of birth, a personal identification number, a user ID, a password, a tax identification number, a type of identification document, an identity number of the identification document, a country, a state, a government organization issuing the identification document, a private organization issuing the identification document, an expiration date of the identification document, a phone number, a screen name, an e-mail address, a photograph, a fingerprint, an iris scan, a physical description, a biometrical information, or a combination thereof.

9. The method of claim 1, further comprising:

storing, at the first computer system, a photo of the user, the photo associated with the first set of data;

sending, from the first computer system to the second computer system, the photo when the second set of data corresponds to the first set of data; and

canceling, by the first computer system, the approved transaction when a photo mismatch message is received from the second computer system.

10. The method of claim 1, further comprising:

storing, at the first computer system, a question associated with the first set of data;

sending, from the first computer system to the second computer system, the question when the second set of data corresponds to the first set of data; and

canceling, by the first computer system, the approved transaction when a wrong answer is received from the second computer system.

11. A non-transitory computer-readable medium having program code recorded thereon to verify an identity during a transaction, the program code comprising:

program code to store, at a first computer system, a first set of data comprising a portion of identification information of a user, the first set of data being insufficient to determine an identity of the user;

program code to store, at the first computer system, a portion of an account number of a financial instrument of the user, the portion of the account number associated with the first set of data;

program code to receive, at the first computer system from a second computer system, the portion of the account number;

program code to receive, at the first computer system from the second computer system, a second set of data obtained by the second computer system based on information extracted from a first identification document;

program code to compare, at the first computer system, the second set of data with the first set of data, the first set of data retrieved in response the received portion of the account number; and

program code to approve, by the first computer system, the transaction associated with the financial instrument when the second set of data corresponds to the first set of data.

12. The non-transitory computer-readable medium of claim 11, in which the portion of the identification information is obtained from a second identification document comprising at least one of a driver'"'"'s license, a passport, a government-issued identification document, an alien identification card, a student identification card, a social security card, a tax identification card, a national identification card, a voter identification card, a benefits card, an official identification document, or a combination thereof.

13. The non-transitory computer-readable medium of claim 11, in which the first computer system comprises at least one of a personal communication device, a device interface, or a combination thereof.

14. The non-transitory computer-readable medium of claim 13, in which the device interface comprises at least one of a keyboard, a keypad, a monitor, a display, a terminal, a computer, a control panel, a vehicle dash board, a network interface, a machinery interface, a video interface, an audio interface, an electronic interface, a magnetic interface, an electromagnetic interface including an electromagnetic wave interface, an optical interface, a light interface, an acoustic interface, a contactless interface, a mobile phone interface, a smartphone interface, a personal computer interface, a Personal Digital Assistant (PDA) interface, a handheld device interface, a portable device interface, a wireless interface, a wired interface, or a combination thereof.

15. The non-transitory computer-readable medium of claim 11, in which the second computer system comprises at least one of a personal communication device, a device interface, or a combination thereof.

16. The non-transitory computer-readable medium of claim 15, in which the device interface comprises at least one of a keyboard, a keypad, a monitor, a display, a terminal, a computer, a control panel, a vehicle dash board, a network interface, a machinery interface, a video interface, an audio interface, an electronic interface, a magnetic interface, an electromagnetic interface including an electromagnetic wave interface, an optical interface, a light interface, an acoustic interface, a contactless interface, a mobile phone interface, a smartphone interface, a personal computer interface, a personal digital assistant (PDA) interface, a handheld device interface, a portable device interface, a wireless interface, a wired interface, or a combination thereof.

17. The non-transitory computer-readable medium of claim 11, in which the financial instrument comprises at least one of a check, a credit card, a debit card, a gift card, a prepaid card, a stored value card, an ATM card, a wire, a letter of credit, a monetary instrument, an electronic fund transfer, an instrument for a financial account, or a combination thereof.

18. The non-transitory computer-readable medium of claim 11, in which the first set of data is associated with at least one of a name, an address, a date of birth, a personal identification number, a user ID, a password, a tax identification number, a type of identification document, an identity number of the identification document, a country, a state, a government organization issuing the identification document, a private organization issuing the identification document, an expiration date of the identification document, a phone number, a screen name, an e-mail address, a photograph, a fingerprint, an iris scan, a physical description, a biometrical information, or a combination thereof.

19. The non-transitory computer-readable medium of claim 11, in which the program code further comprises:

program code to store, at the first computer system, a photo of the user, the photo associated with the first set of data;

program code to send, from the first computer system to the second computer system, the photo when the second set of data corresponds to the first set of data; and

program code to cancel, by the first computer system, the approved transaction when a photo mismatch message is received from the second computer system.

20. The non-transitory computer-readable medium of claim 11, in which the program code further comprises:

program code to store, at the first computer system, a question associated with the first set of data;

program code to send, from the first computer system to the second computer system, the question when the second set of data corresponds to the first set of data; and

program code to cancel, by the first computer system, the approved transaction when a wrong answer is received from the second computer system.

21. An identity verification computer system to verify an identity during a transaction, comprising:

a memory device; and

at least one processor coupled to the memory device, the at least one processor configured;

to store a first set of data comprising a portion of identification information of a user, the first set of data being insufficient to determine an identity of the user;

to store a portion of an account number of a financial instrument of the user, the portion of the account number associated with the first set of data;

to receive, from a merchant computer system, the portion of the account number;

to receive, from the merchant computer system, a second set of data obtained by the merchant computer system based on information extracted from a first identification document;

to compare the second set of data with the first set of data, the first set of data retrieved in response the received portion of the account number; and

to approve the transaction associated with the financial instrument when the second set of data corresponds to the first set of data.

22. The identity verification computer system of claim 21, in which the portion of the identification information is obtained from a second identification document comprising at least one of a driver'"'"'s license, a passport, a government-issued identification document, an alien identification card, a student identification card, a social security card, a tax identification card, a national identification card, a voter identification card, a benefits card, an official identification document, or a combination thereof.

23. The identity verification computer system of claim 21, in which the identity verification computer system comprises at least one of a personal communication device, a device interface, or a combination thereof.

24. The identity verification computer system of claim 23, in which the device interface comprises at least one of a keyboard, a keypad, a monitor, a display, a terminal, a computer, a control panel, a vehicle dash board, a network interface, a machinery interface, a video interface, an audio interface, an electronic interface, a magnetic interface, an electromagnetic interface including an electromagnetic wave interface, an optical interface, a light interface, an acoustic interface, a contactless interface, a mobile phone interface, a smartphone interface, a personal computer interface, a Personal Digital Assistant (PDA) interface, a handheld device interface, a portable device interface, a wireless interface, a wired interface, or a combination thereof.

25. The identity verification computer system of claim 21, in which the merchant computer system comprises at least one of a personal communication device, a device interface, or a combination thereof.

26. The identity verification computer system of claim 25, in which the device interface comprises at least one of a keyboard, a keypad, a monitor, a display, a terminal, a computer, a control panel, a vehicle dash board, a network interface, a machinery interface, a video interface, an audio interface, an electronic interface, a magnetic interface, an electromagnetic interface including an electromagnetic wave interface, an optical interface, a light interface, an acoustic interface, a contactless interface, a mobile phone interface, a smartphone interface, a personal computer interface, a personal digital assistant (PDA) interface, a handheld device interface, a portable device interface, a wireless interface, a wired interface, or a combination thereof.

27. The identity verification computer system of claim 21, in which the financial instrument comprises at least one of a check, a credit card, a debit card, a gift card, a prepaid card, a stored value card, an ATM card, a wire, a letter of credit, a monetary instrument, an electronic fund transfer, an instrument for a financial account, or a combination thereof.

28. The identity verification computer system of claim 21, in which the first set of data is associated with at least one of a name, an address, a date of birth, a personal identification number, a user ID, a password, a tax identification number, a type of identification document, an identity number of the identification document, a country, a state, a government organization issuing the identification document, a private organization issuing the identification document, an expiration date of the identification document, a phone number, a screen name, an e-mail address, a photograph, a fingerprint, an iris scan, a physical description, a biometrical information, or a combination thereof.

29. The identity verification computer system of claim 21, in which the at least one processor is further configured:

to store a photo of the user, the photo associated with the first set of data;

to send the photo to the merchant computer system when the second set of data corresponds to the first set of data; and

to cancel the approved transaction when a photo mismatch message is received from the merchant computer system.

30. The identity verification computer system of claim 21, associated with the first set of data:

to store a question associated with the first set of data;

to send the question to the merchant computer system when the second set of data corresponds to the first set of data; and

to cancel the approved transaction when a wrong answer is received from the merchant computer system.