Multi-mode credential authorization
AssigneeAuthenticor Identity Protection Services Inc.
InventorsGregory Wolfond, Jaime Shapiro, Robert Mansz
Life of this patent
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Abstract
A method for authenticating an identity involves first receiving a first credential over a first communications channel, and determining a second communications channel provisionally associated with the first credential. The second communications channel is different from the first communications channel, and the first credential is provisionally associated with an identity. Then, a second credential is received over the second communications channel, and the identity is authenticated based on a verification of the second credential.
Claims31
A method for authenticating an identity, comprising the steps of:
- (a) receiving a first credential over a first communications channel, and determining a second communications channel provisionally associated with the first credential, the second communications channel being different from the first communications channel, the first credential being provisionally associated with an identity;
- (b) receiving a second credential over the second communications channel;
- and (3) authenticating the identity in accordance with a verification of the second credential.
An identity proofing system, comprising:
- a credential management facility retaining reference credentials;
- a first credential sample acquisition procedure configured to receive a first credential over a first communications channel, and to determine a second communications channel provisionally associated with the first credential, the second communications channel being different from the first communications channel, the first credential being provisionally associated with an identity;
- a second credential sample acquisition procedure configured to receive a second credential over the second communications channel;
- and
- an identity proofing procedure in communication with the sample acquisition procedures and the credential management facility, and being configured to authenticate the identity in accordance with a verification of the second credential.
A method for authenticating an identity, comprising the steps of:
- (a) generating a first identity proof score from a first received credential and a first reference credential, and generating a second identity proof score from a second received credential and a second reference credential, the first received credential being provisionally associated with an identity, the first identity proof score being indicative of a first correlation level between the first received credential and the first reference credential, the second identity proof score being indicative of a second correlation level between the second received credential and the second reference credential;
- and
- (b) authenticating the identity by generating an ultimate identity proof score from the first and second identity proof scores, the ultimate identity proof score being indicative of a correlation between the received credentials and the identity.
An identity proofing system, comprising:
- a credential management facility retaining reference credentials;
- a first credential sample acquisition procedure configured to receive a first credential, the first received credential being provisionally associated with an identity;
- a second credential sample acquisition procedure configured to receive a second credential;
- an identity proofing procedure in communication with the sample acquisition procedures and the credential management facility, and being configured to generate a first identity proof score from the first received credential and a first reference credential, to generate a second identity proof score from the second received credential and a second referenced credential, and to generate an ultimate identity proof score from the first identity proof score and the second identity proof score, the first identity proof score being indicative of a first correlation level between the first received credential and the first reference credential, the second identity proof score being indicative of a second correlation level between the second received credential and the second reference credential, the ultimate identity proof score being indicative of a correlation between the received credentials and the identity.
Use of an ultimate identity proof score for authorizing a transaction, the ultimate identity proof score being indicative of a correlation between at least two received credentials and an identity, the ultimate identity proof score being derived from a first identity proof score and a second identity proof score, the first identity proof score being indicative of a first correlation level between a first of the received credentials and a first reference credential, the second identity proof score being indicative of a second correlation level between a second of the received credentials and a second reference credential, the first received credential being provisionally associated with the identity.
Dependencies are inferred from the claim text.