Remote user identity validation with threshold-based matching

8) A system for using visual analytics to validate a remote user's identity, the system comprising:

• a user interface configured to receive input and present output;
• and
• a processor communicatively coupled to the user interface and configured to:
• extract a user's photo, and a user's signature from a received digital associated identification card;
• request a real-time photo set, wherein the real-time photo set includes a first photo and a second photo;
• request a real-time written signature with the requested real-time photo set;
• signature match the real-time written signature of the first photo against the user's signature of the received digital associated identification card;
• background match a background in the first photo of the real-time photo set against a background in the second photo of the real-time photo set;
• user match an image of the user from the first photo in the real-time photo set against the user's photo from the received digital associated identification card;
• and
• validate the user's identity in response to determining that the real-time written signature of the real-time photo set matched against the user's signature of the received digital associated identification card satisfies a first threshold, the background in the first photo of the real-time photo set matched against the background in the second photo of the real-time photo set satisfies a second threshold, and the image of the user from the first photo in the real-time photo set matched against the user's photo from the received digital associated identification card satisfies a third threshold.

15) A computer-implemented program product for using visual analytics to validate a remote user's identity in a mobile application, the computer program product comprising a computer readable storage medium having program instructions embodied therewith, the program instructions executable by a processor to cause the processor to:

• extract a user's photo, and a user's signature from a received digital associated identification card;
• request a real-time photo set, wherein the real-time photo set includes a first photo and a second photo;
• request a real-time written signature with the requested real-time photo set;
• signature match the real-time written signature of the first photo against the user's signature of the received digital associated identification card;
• background match a background in the first photo of the real-time photo set against a background in the second photo of the real-time photo set;
• user match an image of the user from the first photo in the real-time photo set against the user's photo from the received digital associated identification card;
• and
• validate the user's identity in response to determining that the real-time written signature of the real-time photo set matched against the user's signature of the received digital associated identification card satisfies a first threshold, the background in the first photo of the real-time photo set matched against the background in the second photo of the real-time photo set satisfies a second threshold, and the image of the user from the first photo in the real-time photo set matched against the user's photo from the received digital associated identification card satisfies a third threshold.

21) A computer-implemented method for using visual analytics to validate a remote user's identity, the method comprising:

• receiving a request to create an account for a user;
• in response to receiving the request, retrieving a digital copy of an identification card for the user, wherein the identification card includes a photo of the user and a signature of the user;
• providing a prompt to request a first real-time photo of the user with a surrounding user environment;
• providing a prompt to request a second real-time photo of the surrounding user environment without the user present;
• providing a prompt to request a current location of the user;
• verifying the current location of the user in response to determining that the surrounding user environment of the first real-time photo matches the surrounding user environment of the second real-time photo;
• and
• validating the identity of the user based, at least in part, on verification of the current location of the user.

24) A system for using visual analytics to validate a remote user's identity, the system comprising:

• a user interface configured to receive input and present output;
• and
• a processor communicatively coupled to the user interface and configured to:
• receive, via the user interface, a request to create an account for a user;
• in response to receiving the request, retrieve a digital copy of an identification card for the user, wherein the identification card includes a photo of the user and a signature of the user;
• provide a prompt to request a first real-time photo of the user with a surrounding user environment;
• provide a prompt to request a second real-time photo of the surrounding user environment without the user present;
• provide a prompt to request a current location of the user;
• verify the current location of the user in response to determining that the surrounding user environment of the first real-time photo matches the surrounding user environment of the second real-time photo;
• and
• validate the identity of the user based, at least in part, on verification of the current location of the user.