Method and system for confirming personal identity
AssigneeIntersections, Inc.
InventorsGeorge K. Tsantes, Tim Rohrbaugh, Carolyn E. Kopf
Life of this patent
Estimating the term…
Abstract
An authentication utility may be provided to entities, such as businesses, organizations or even individuals, that require the identification, verification and control of the identity of another entity, for example, an individual, such as a consumer, employee, etc. The authentication utility may also determine and provide the financial and non-financial characteristics of an individual. Before entering into a relationship or transaction, an entity could verify the other party's identity with the authentication utility.
Claims28
A method, comprising:
- receiving a request for authentication of a second entity from a first entity, wherein the request includes identifying information that can identify the second entity;
- performing an authenticating process of the second entity's identity based at least on the identifying information in the request;
- providing an authentication response to the first entity.
A method of authenticating identity, comprising:
- receiving information about an individual;
- confirming accuracy of the information;
- determining a verification score based on the confirmation;
- verifying the identity of the individual if the verification score exceeds a preselected threshold;
- if verified;
- receiving additional information about the individual from the individual;
- confirming accuracy of at least some of the additional information;
- creating an identity profile based on the information and the additional information.
A method for authenticating identity, comprising:
- receiving a request from an individual to enroll in an identity confirmation service via one of a plurality of access channels;
- authenticating the individual's identity;
- credentialing the individual for at least two of the plurality of channels during an enrollment process.
A system for identify confirmation, comprising:
- an identity verification module for receiving a request for authentication of a second entity from a first entity, wherein the request includes information that can identify the second entity and for performing an authenticating process for the second entity's identity based at least on the information in the request;
- an identity capture module for receiving additional information about the individual from the individual if the individual passes the authentication process, confirming accuracy of at least some of the additional information, and creating an identity profile based on the information and the additional information;
- and
- an identity confirmation module for prompting the individual during a subsequent transaction to provide confirmation information that is included in their respective identity profile, confirming the validity of the confirmation information;
- and prompting the individual for second information based on the confirmation.
Dependencies are inferred from the claim text.