Secure online ID validation and review system

A non-transitory computer readable memory storing program instructions for detecting fraudulent activity during authenticating users and user identifications, which instructions when executed by one or more processors perform a method including:

• receiving at a security server implementing a security service system, a request to authenticate a user device of a user with the security server;
• wherein the request was generated subsequent to the user device to prompting the user seeking to authenticate with the security server to present one or more identification documents to a camera of the user device and to present their face and to select a control to trigger capture of images of the one or more identification documents and face of the user by the user device;
• obtaining a sequence of images of the user to be authenticated, the sequence of images including images captured commencing when the camera is operational and prior to receiving from the user a selection of the control that triggers capture of images, thereby enabling the sequence of images to have captured activity performed by the user prior to and contemporaneous with selecting the control, including any attempted fraudulent activity of the user seeking to be authenticated;
• and
• wherein a live video image of the user was displayed by the user device when the sequence of images was captured, the live video image displayed comprising a close up presentation of at least a portion of the user's person and having a narrower field of view than the camera of the user device, so that the sequence of images includes images comprising at least one of background or periphery including any objects and actions therein and wherein capture of the at least one of background or periphery including any objects and actions is not indicated to the user;
• providing for review via a portal accessible by an authorized representative, the sequence of images obtained, and based on the review of the sequence of images, marking, by the authorized representative, the request to authenticate as approved or as rejected.

A system for detecting fraudulent activity during authenticating users and user identifications, including:

• a network interface that receives requests to authenticate from user devices equipped with cameras;
• and
• a security server including one or more processors coupled to memory storing instructions implementing a security service, which instructions when executed by the one or more processors:
• receive via the network interface a request to authenticate a user device of a user seeking to authenticate;
• wherein the request was generated subsequent to the user device prompting a user seeking to authenticate with the security server to present to a camera of their user device one or more identification documents and to present their face and to select a control to trigger capture of images of the one or more identification documents and face of the user by the user device;
• obtain a sequence of images of the user to be authenticated, the sequence of images including images captured commencing when the camera is operational and prior to receiving from the user a selection of the control that triggers capture of images, thereby enabling the sequence of images to have captured activity performed by the user prior to and contemporaneous with selecting the control, including any attempted fraudulent activity of the user seeking to be authenticated;
• wherein a live video image of the user was displayed by the user device when the sequence of images was captured, the live video image displayed comprising a close up presentation of at least a portion of the user's person and having a narrower field of view than the camera of the user device, the sequence of images includes images comprising at least one of background or periphery including any objects and actions therein and wherein capture of the at least one of background or periphery including any objects and actions is not indicated to the user;
• and
• provide for review via a portal accessible by an authorized representative, the sequence of images obtained, and based on the review of the sequence of images, marking, by the authorized representative, the request to authenticate as approved or as rejected.