System and method for identity validation for a regulated transaction

• US 7,433,826 B2
• Filed: 09/12/2002
• Issued: 10/07/2008
• Est. Priority Date: 09/19/2001
• Status: Active Grant

• Current Assignee: Uber Technologies, Inc.
• Original Assignee: Eleytheria, Ltd.
• Inventors: Korosec, Jason A.
• Primary Examiner(s): Parthasarathy, Pramila
• Application Number:
  US10/242,150
• Publication Number:
  US 20030056113A1
• Time in Patent Office: 2,217 Days
• Field of Search: 713/183
• US Class Current: 705/317
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 30/018 Certifying business or products
• CPC Class Codes: G07C 9/22 in combination with an identity check of the pass holder

Abstract

A system and method for performing an identity validation is provided. The invention includes an identity transaction engine component and a communication component. The identity transaction engine component facilitates searching of data store(s) in order to validate identity related to a regulated transaction. The communication component facilitates communication between the identification validation system and remote system such as database(s) and/or data storage system(s). The data store(s) can store governmental agency and/or private entity information. The data store(s) can be remote or local. The invention further provides for the identification validation system to, optionally, include input device(s) and/or output device(s). The input device(s) facilitate identifying an entity to the identification validation system. The output device(s) facilitate communication to user(s) of the identification validation system.

Claims

1. A computer system for identification of an entity, comprising:

an input component that receives identification information associated with an entity desiring or attempting to engage in a regulated transaction;

an identity transaction engine component that, determines two or more data stores from a plurality of data stores comprising data stores of social service organizations, drivers'"'"' license agencies, state identification card issuing agencies, selective service systems, military, voter registration agencies, birth certificates issuing authorities, immigration services, security agencies, or non-governmental concerns to be searched based at least on one or more attributes of the regulated transaction, wherein the two or more data stores and determines whether to permit the entity to engage in the regulated transaction based at least in part upon analysis of the identification information received from the input component, and information stored in at least one of the one or more data stores; and

an attribute data store that stores the one or more attributes of the regulated transaction, wherein the regulated transaction is at least one of voting, purchasing an alcohol product, purchasing a tobacco product, sending a letter, shipping a package, shipping a letter), purchasing a ticket for a mode of transportation, boarding a mode of transportation, transporting a hazardous material, entering a restricted area, entering a building, entering a facility, purchasing a fire arm, obtaining employment, retaining employment, requesting financial aid for education, engaging in a financial transaction, obtaining admission to an institution, obtaining permission to enter a country, entering a country, obtaining a license, obtaining an identification document, obtaining permission to vote or granting work authorization.

2. The computer system of claim 1, the input component further comprising an input device adapted to receive the identification information.

3. The computer system of claim 1, the identity transaction engine component utilizing at least one of a telephone connection, a network connection, an extranet, an intranet, the Internet, a satellite link, a wireless communication link, a serial communication link and a parallel communication link to facilitate searching of the at least one data store.

4. A regulated transaction authorization system, comprising:

a communication component facilitating communication between an identity transaction engine component and at least one data store, the identity transaction engine component that identifies an entity, and determines whether to permit the entity to engage in a regulated transaction based at least in part upon at least one attribute of the regulated transaction, information associated with the entity and information stored in the at least one data store, the identity transaction engine searches at least two or more of data stores of social service organizations, drivers'"'"' license agencies, state identification card issuing agencies, selective service systems, military, voter registration agencies, birth certificates issuing authorities, immigration services, security agencies, or non-governmental concerns based on the at least one attribute related to the regulated transaction stored in at least one data store wherein the regulated transaction comprises a transaction restricted by one or more of a private or governmental concern is at least one of voting, purchasing an alcohol product, purchasing a tobacco product, sending a letter, shipping a package, shipping a letter), purchasing a ticket for a mode of transportation, boarding a mode of transportation, transporting a hazardous material, entering a restricted area, entering a building, entering a facility, purchasing a fire arm, obtaining employment, retaining employment, requesting financial aid for education, engaging in a financial transaction, obtaining admission to an institution, obtaining permission to enter a country, entering a country, obtaining a license, obtaining an identification document, obtaining permission to vote or granting work authorization;

and

an attribute data store that stores the at least one attribute of the regulated transaction.

5. The system of claim 4, further comprising an input device facilitating identification of the entity.

6. The system of claim 5, the input device being at least one of a card reader, a magnetic card reader, a keyboard, a touch screen device, an iris scanner, a retinal scanner, a thumb print reader, a digital camera, a pointing device, a microphone, an IR remote control, a joystick, a DNA fingerprint analyzer, a DNA profile analyzer, a game pad, a personal digital assistant, a smart card reader.

7. The system of claim 4, the output device facilitates communication to a user of the system.

8. The system of claim 7, the output device being at least one of a touch screen device, a computer monitor, a television screen, a printer, a personal digital assistant, a wireless telephone display and a speaker.

9. The system of claim 4, the at least one attribute being at least one of DNA profile, date of birth, age, ethnicity, citizenship, religious affiliation, political affiliation, health status, failure to have a particular disease, gender, Selective Service registration status, biometric data, height, weight, history of felony conviction, criminal history, inclusion on a list maintained by a governmental agency and inclusion on a list maintained by a private entity.

10. The system of claim 4, the at least one data store storing information related to at least one of Social Security records, drivers license records, motor vehicle records, state identification records, military identification records, voter registration records, birth records, passport records, selective service records, national identification records, and work authorization records.

11. The system of claim 4, the communications component utilizing at least one of a telephone connection, a network connection, an extranet, an intranet, the Internet, a satellite link, a wireless communication link, a serial communication link and a parallel communication link to communicate with the at least one data store.

12. The system of claim 4, the identity transaction engine component obtaining the at least one attribute of the regulated transaction from the attribute store.

13. A regulated transaction authorization system, comprising:

means for communicating between a system for validating identity and at least one data store;

means for identifying an entity desiring to engage in a regulated transaction restricted by one or more of government or private concerns wherein the regulated transaction is at least one of voting, purchasing an alcohol product, purchasing a tobacco product, sending a letter, shipping a package, shipping a letter), purchasing a ticket for a mode of transportation, boarding a mode of transportation, transporting a hazardous material, entering a restricted area, entering a building, entering a facility, purchasing a fire arm, obtaining employment, retaining employment, requesting financial aid for education, engaging in a financial transaction, obtaining admission to an institution, obtaining permission to enter a country, entering a country, obtaining a license, obtaining an identification document, obtaining permission to vote or granting work authorization;

means for determining and searching at least two data stores from a plurality of data stores comprising data stores of social service organizations, drivers'"'"' license agencies, state identification card issuing agencies, selective service systems, military, voter registration agencies, birth certificates issuing authorities, immigration services, security agencies, or non-governmental concerns utilizing information from an attribute store;

means for storing the information from the entity into at least one of the data stores;

means for determining whether to permit the entity to engage in a regulated transaction based at least in part upon information obtained from the means for searching, the means for identifying and at least one attribute of the regulated transaction;

means for performing a predefined additional regulatory action upon at least one of allowing and denying the entity to engage in the regulated transaction; and

means for determining which of a plurality of data stores to search based at least in part upon the at least one attribute of the regulated transaction.

14. A method for identifying an entity and facilitating a regulated transaction, comprising:

determining at least two data stores to search, based at least in part upon one or more attributes of a regulated transaction stored in an attribute store, wherein the at least two data stores are selected from data stores of social service organizations, drivers'"'"' license agencies, state identification card issuing agencies, selective service systems, military, voter registration agencies, birth certificates issuing authorities, immigration services, security agencies, or non-governmental concerns;

searching the data stores based at least in part upon identification information received regarding the entity desiring to engage in a regulated transaction;

saving the received identification information in at least one data store;

determining whether the entity should be permitted to engage in the regulated transaction based at least in part upon the identification information, information obtained from the data stores and at least one attribute of the regulated transaction; and

implementing an additional regulatory action upon at least one of denial and allowance of the regulated transaction which is restricted by one or more of government or private concerns wherein the regulated transaction is at least one of voting, purchasing an alcohol product, purchasing a tobacco product, sending a letter, shipping a package, shipping a letter), purchasing a ticket for a mode of transportation, boarding a mode of transportation, transporting a hazardous material, entering a restricted area, entering a building, entering a facility, purchasing a fire arm, obtaining employment, retaining employment, requesting financial aid for education, engaging in a financial transaction, obtaining admission to an institution, obtaining permission to enter a country, entering a country, obtaining a license, obtaining an identification document, obtaining permission to vote or granting work authorization.

15. The method of claim 14, further comprising at least one of the following acts:

determining whether the identification information is valid;

receiving the at least one attribute regarding the regulated transaction from the attribute store;

allowing the regulated transaction if the determination of whether the entity should be permitted to engage in the regulated transaction is in the affirmative; and

prohibiting the regulated transaction if the determination of whether the entity should be permitted to engage in the regulated transaction is in the negative.

16. A computer readable medium having computer usable instructions for identifying an entity and determining authorization of the entity to engage in a regulated transaction, comprising:

an identity transaction engine component that receives identification information associated with an entity desiring to engage in a regulated transaction and feeds the identification information directly into at least one data store, the identity transaction engine component selects at least two data stores to be searched from a plurality of data stores associated with social service organizations, drivers'"'"' license agencies, state identification card issuing agencies, selective service systems, military, voter registration agencies, birth certificates issuing authorities, immigration services, security agencies, or non-governmental concerns based at least upon at least one stored attribute of the regulated transaction and determine whether to permit the entity to engage in the regulated transaction based at least in part upon analysis of the identification information, information stored in the at least one data store and the at least one attribute of the regulated transaction; and

an output device that facilitates a further predefined action based on at least one of authorizing and denying the entity to engage in the regulated transaction which is restricted by one or more of government or private concerns, the regulated transaction is at least one of voting, purchasing an alcohol product, purchasing a tobacco product, sending a letter, shipping a package, shipping a letter), purchasing a ticket for a mode of transportation, boarding a mode of transportation, transporting a hazardous material, entering a restricted area, entering a building, entering a facility, purchasing a fire arm, obtaining employment, retaining employment, requesting financial aid for education, engaging in a financial transaction, obtaining admission to an institution, obtaining permission to enter a country, entering a country, obtaining a license, obtaining an identification document, obtaining permission to vote or granting work authorization.

17. A computer system facilitating identification of an entity and authorization of a regulated transaction, comprising:

an identification input device that receives identification information associated with the entity desiring to engage in a regulated transaction and stores the identification information in at least one data store;

an identity transaction engine component that selects and searches at least two data stores selected from a plurality of data stores comprising at least data stores of social service organizations, drivers'"'"' license agencies, state identification card issuing agencies, selective service systems, military, voter registration agencies, birth certificates issuing authorities, immigration services, security agencies, or non-governmental concerns based at least upon one or more attributes associated with the regulated transaction and determines whether to permit the entity to engage in the regulated transaction based at least in part upon information associated with the regulated transaction, the identification information and information stored in at least one data store; and

an output device that determines and performs a regulatory action in addition to and based on at least one of a permission or denial of the entity to engage in the regulated transaction that is restricted by one or more of a private or governmental concern and involves at least one of voting, purchasing an alcohol product, purchasing a tobacco product, sending a letter, shipping a package, shipping a letter), purchasing a ticket for a mode of transportation, boarding a mode of transportation, transporting a hazardous material, entering a restricted area, entering a building, entering a facility, purchasing a fire arm, obtaining employment, retaining employment, requesting financial aid for education, engaging in a financial transaction, obtaining admission to an institution, obtaining permission to enter a country, entering a country, obtaining a license, obtaining an identification document, obtaining permission to vote or granting work authorization.