Systems and methods for identity validation and verification
AssigneeMastercard International Incorporated
InventorsSandeep Malhotra, Rajen S. Prabhu, Prashant Sharma, Jiaming Li, Jie Zhang
Life of this patent
Estimating the term…
Abstract
According to some embodiments, a system and a method of transmitting identity verification information to a merchant include receiving an account identifier from a user in response to the user interacting with a merchant. The user is authenticated based on the account identifier and identity verification information is transmitted to the merchant.
Claims20
A method for operating a merchant device to validate user provided identity information, the method comprising:
- receiving an account identifier from a user;
- transmitting an identification request message to an identity service, the identification request message including the account identifier, information identifying the merchant, and information to identify one or more authentication rules associated with the merchant;
- receiving an identification response message from the identity service, the identification response message including identification information associated with the user, the identification information based at least in part on (i) information received from an issuer of the account identified by the account identifier and (ii) information responsive to the one or more authentication rules associated with the merchant;
- and
- presenting a response to the user indicating whether the user identity has been successfully validated pursuant to the one or more authentication rules associated with the merchant.
A merchant device, comprising:
- a processor;
- and
- a storage device in communication with the processor and storing instructions adapted to be executed by the processor to:
- receive an account identifier from a user;
- transmit an identification request message to an identity service, the identification request message including the account identifier, information identifying the merchant, and information to identify one or more authentication rules associated with the merchant;
- receive an identification response message from the identity service, the identification response message including identification information associated with the user, the identification information based at least in part on (i) information received from an issuer of the account identified by the account identifier and (ii) information responsive to the one or more authentication rules associated with the merchant;
- and
- present a response to the user indicating whether the user identity has been successfully validated pursuant to the one or more authentication rules associated with the merchant.
A computer-readable medium storing instructions adapted to be executed by a processor to perform a method for operating a merchant device to validate user provided identity information, the method comprising:
- receiving an account identifier from a user;
- transmitting an identification request message to an identity service, the identification request message including the account identifier, information identifying the merchant, and information to identify one or more authentication rules associated with the merchant;
- receiving an identification response message from the identity service, the identification response message including identification information associated with the user, the identification information based at least in part on (i) information received from an issuer of the account identified by the account identifier and (ii) information responsive to the one or more authentication rules associated with the merchant;
- and
- presenting a response to the user indicating whether the user identity has been successfully validated pursuant to the one or more authentication rules associated with the merchant.
Dependencies are inferred from the claim text.