System and method for transaction authentication

A mobile device, comprising a sensing detector and at least one processor configured to:

• generate an association between a government-issued identification document of a user and an account of the user, wherein the association enables use of the government-issued identification document as a credential to process a transaction using the account of the user;
• receive, using the sensing detector, a presentation of the government-issued identification document of the user for processing the transaction;
• obtain, using the sensing detector and the at least one processor, encoded information from a machine-readable zone (MRZ) on the government-issued identification document, the encoded information including one of a digital watermark or personal identification information (PII) corresponding to the user of the government-issued identification document;
• validate authenticity of the government-issued identification document based on the encoded information obtained by the mobile device, wherein validating authenticity includes at least:
• extracting, using the at least one processor, encoded spectrum or spatial information for one of the digital watermark or the PII;
• and
• identifying a pattern that is compared with a known pattern to validate authenticity of the government-issued identification document based on analysis of the encoded spectrum or spatial information;
• and
• in response to validating the authenticity of the government-issued identification document, process the transaction using the account of the user.

A computer-implemented method, comprising:

• generating, at a mobile device, an association between a government-issued identification document of a user and an account of the user, wherein the association enables use of the government-issued identification document as a credential to process a transaction using the account of the user;
• receiving, at a server and from the mobile device, correlated information obtained by the mobile device when the mobile device optically scans, using a sensing detector of the mobile device, a machine-readable zone (MRZ) of the government-issued identification document of the user, the government-issued identification document being presented at the mobile device, wherein the correlated information are encoded in the MRZ and include one of a digital watermark or personal identification information (PII) corresponding to the user of the government-issued identification document;
• validating, by the server, the correlated information against a system of record hosted by the server, wherein validating the correlated information includes at least:
• extracting, using a processor of the server, encoded spectrum or spatial information of the digital watermark or the PII;
• and
• identifying, using the processor of the server, a pattern that is compared with a known pattern to validate the correlated information and authenticity of the government-issued identification document based on analysis of the encoded spectrum or spatial information;
• generating, by the server, result data indicating whether the government-issued identification document is valid based on the validating;
• and
• transmitting, by the server and to the mobile device, an indication that the government-issued identification document is valid, wherein the mobile device processes the transaction based on the indication generated by the server and with no additional checking.

A non-transitory computer-readable medium comprising software instructions that when executed by one or more processors, cause the one or more processors to:

• receive, from a mobile device of a user, a request for a mobile transaction;
• generate an association between a government-issued identification document of the user and an account of the user, the association enables use of the government-issued identification document as a credential for processing a transaction using the account of the user;
• obtain, by the mobile device and using a sensing detector of the mobile device, a digital watermark that is embedded in the government-issued identification document presented by the user and that documents an identify of a subject;
• analyze information encoded in the digital watermark, the information indicating authenticity of the government-issued identification document, wherein analyzing the information includes at least:
• extracting spectrum or spatial information encoded in the digital watermark;
• and
• identifying a pattern that is compared with a known pattern to validate authenticity of the government-issued identification document using the extracted spectrum or spatial information;
• validate the authenticity of the government-issued identification document based on analysis of the extracted spectrum or spatial information encoded in the digital watermark;
• and
• in response to validating the authenticity of the government-issued identification document, authenticate the user as authorized to request the mobile transaction being requested from the mobile device.