System and method for transaction authentication

Patent metadata

Field	Value
Publication number	US-10311435-B2
Application number	US-201414220547-A
Country	US
Kind code	B2
Filing date	Mar 20, 2014
Priority date	Mar 28, 2013
Publication date	Jun 4, 2019
Grant date	Jun 4, 2019

Abstract

Some implementations provide a method that includes: generating an association, at a mobile device, between a government-issued identification document of a user and a mode of payment; receiving, at the mobile device, a presentation of the government-issued identification document of the user to support a request for payment; validating whether the presented government-issued identification document is a valid identification of the user; and in response to validating the presented government-issued identification document, proceeding with payment by using the mode of payment.

First claim

What is claimed is:

1. A method, comprising:
generating, at a mobile device, an association between a government-issued identification document of a user and an account of the user, wherein the association enables use of the government-issued identification document as a credential to process a transaction using the account of the user;
receiving, at the mobile device and using a sensing detector of the mobile device, a presentation of the government-issued identification document of the user for processing the transaction;
obtaining, by the mobile device and using the sensing detector, encoded information from a machine-readable zone (MRZ) on the government-issued identification document, the encoded information including one of a digital watermark or personal identification information (PII) corresponding to the user of the government-issued identification document;
validating authenticity of the government-issued identification document based on the encoded information obtained using the sensing detector of the mobile device, wherein validating authenticity includes at least:
extracting, using a processor of the mobile device, encoded spectrum or spatial information for one of the digital watermark or the PII; and
identifying a pattern that is compared with a known pattern to validate authenticity of the government-issued identification document based on analysis of the encoded spectrum or spatial information; and

in response to validating the authenticity of the government-issued identification document, processing the transaction using the account of the user.

2. The method of claim 1 , wherein generating the association further comprises:
registering, on the mobile device, the account of the user to support processing the transaction; and
authenticating that the user owns the account.

3. The method of claim 2 , wherein generating the association further comprises:
associating, on the mobile device, the authenticated account with the government-issued identification document.

4. The method of claim 3 , wherein the associating further comprises:
linking the authenticated account owned by a first user to a government-issued identification document held by a second user, the second user being different from the first user.

5. The method of claim 2 , wherein registering the account further comprises: registering a bank account, an intermediary account, or a credit card account.

6. The method of claim 1 , further comprising:
comparing, at the mobile device, portions of identity information obtained from the MRZ to one another as part of validating the authenticity of the government-issued identification document.

7. The method of claim 6 , wherein the validating authenticity further comprises:
checking the digital watermark or the PII obtained from the MRZ against a system of record.

8. The method of claim 7 , wherein the validating authenticity further comprises:
transmitting, by the mobile device, the digital watermark or the PII obtained from the MRZ to a server hosting the system of record; and
receiving, at the mobile device and from the server, validation results of checking the digital watermark or the PII against the system of record.

9. The method of claim 2 , wherein processing the transaction comprises drawing funds from the registered account to fulfill the request for compensation using the account of the user without additional authentication that the user owns the registered account.

10. The method of claim 9 , wherein processing the transaction comprises drawing funds from the registered account of a first user to fulfill the request for compensation using the account of the first user, wherein the request is from a second user that is different from the first user.

11. The method of claim 1 , wherein processing the transaction comprises paying through a debit card without presenting the debit card, paying through an intermediary account without authentication for the intermediary account, or paying through a credit card without presenting the credit card.

12. The method of claim 1 , wherein the PII includes at least one of name, address, social security number, date and place of birth, occupation, marital status, gender, eye color, hair color, height, weight, blood type, nationality, mother's maiden name, biometric records, medical information, educational information, financial information, or employment information.

13. The method of claim 1 , wherein obtaining the encoded information from the MRZ on the government-issued identification document comprises obtaining, using the sensing detector, the digital watermark that is embedded in the government-issued identification document, and
wherein validating the authenticity of the government-issued identification document based on the encoded information obtained by the mobile device further comprises:
extracting frequency domain information from the digital watermark or the PII;
identifying a pattern encoded in the frequency domain information;
comparing the identified pattern to a known pattern;
based on the comparison, determining whether there is a match between the identified pattern and the known pattern; and
in response to determining that there is a match between the identified pattern and the known pattern, validating the government-issued identification document as authentic.

14. The method of claim 13 , wherein the frequency domain information is encrypted in the digital watermark or encrypted in the PII.

15. A mobile device, comprising a sensing detector and at least one processor configured to:
generate an association between a government-issued identification document of a user and an account of the user, wherein the association enables use of the government-issued identification document as a credential to process a transaction using the account of the user;
receive, using the sensing detector, a presentation of the government-issued identification document of the user for processing the transaction;
obtain, using the sensing detector and the at least one processor, encoded information from a machine-readable zone (MRZ) on the government-issued identification document, the encoded information including one of a digital watermark or personal identification information (PII) corresponding to the user of the government-issued identification document;
validate authenticity of the government-issued identification document based on the encoded information obtained by the mobile device, wherein validating authenticity includes at least:
extracting, using the at least one processor, encoded spectrum or spatial information for one of the digital watermark or the PII; and
identifying a pattern that is compared with a known pattern to validate authenticity of the government-issued identification document based on analysis of the encoded spectrum or spatial information; and

in response to validating the authenticity of the government-issued identification document, process the transaction using the account of the user.

16. The mobile device of claim 15 , wherein the at least one processor is further configured to:
register the account of the user on the mobile device to support processing the transaction; and
authenticate that the user owns the account.

17. The mobile device of claim 16 , wherein the at least one processor is further configured to:
associate the authenticated account with the government-issued identification document.

18. The mobile device of claim 17 , wherein the at least one processor is further configured to associate the

Assignees

• Morphotrust Usa Inc
• Morphotrust Usa Llc

Inventors

• Eckel Robert Andrew
• Lazzouni Mohamed

Classifications

• G06Q20/4014 Primary

  Identity check for transactions · CPC title

• G06Q20/3226

  Use of secure elements separate from M-devices · CPC title