Triage engine for document authentication

Patent metadata

Field	Value
Publication number	US-10728241-B2
Application number	US-201815881418-A
Country	US
Kind code	B2
Filing date	Jan 26, 2018
Priority date	Jan 26, 2018
Publication date	Jul 28, 2020
Grant date	Jul 28, 2020

Abstract

Computer systems and methods are provided for receiving a first authentication request that includes an image of an identification document. A risk value is determined using one or more information factors that correspond to the authentication request. A validation user interface that includes the image of the identification document is displayed. A risk category that corresponds to the risk value is determined using at least a first risk threshold. In accordance with a determination that the risk value corresponds to a first risk category, a visual indication that corresponds to the first risk category is displayed. In accordance with a determination that the risk value corresponds to a second risk category, a visual indication that corresponds to the second risk category is displayed.

First claim

What is claimed is:

1. A computer-implemented method, comprising:
at a server system including one or more processors and memory storing one or more programs for execution by the one or more processors:
receiving a first authentication request that includes an image of an identification document;
determining a risk value for the authentication request using one or more information factors that correspond to the authentication request, wherein the one or more information factors are distinct from the identification document;
displaying, by a display of a validation device, a validation user interface that includes the image of the identification document;
determining, using at least a first risk threshold, a risk category that corresponds to the risk value;
in accordance with a determination that the risk value corresponds to a first risk category, displaying, by the display of the validation device, a visual indication that corresponds to the first risk category; and
in accordance with a determination that the risk value corresponds to a second risk category, displaying, by the display of the validation device, a visual indication that corresponds to the second risk category, and increasing a time allotment for evaluation of the authentication request.

2. The method of claim 1 , wherein the one or more information factors that correspond to the authentication request include at least one of:
information that identifies a location in which the authentication request originated,
information that identifies a requester,
a document type that corresponds to the identification document, or
a channel via which the authentication request was received.

3. The method of claim 2 , including:
analyzing a first set of authentication requests; and
determining, based on the analyzed first set of authentication requests, whether to adjust at least one weight applied to a respective information factor of the one or more information factors.

4. The method of claim 3 , including:
analyzing a second set of authentication requests; and
adjusting the first risk threshold based on the analyzed first set of authentication requests.

5. The method of claim 1 , wherein:
the risk category that corresponds to the risk value is determined using a second risk threshold in addition to the first risk threshold;
the first risk category corresponds to a risk value below the first risk threshold;
the second risk category corresponds to a risk value between the first risk threshold and the second risk threshold; and
a third risk category corresponds to a risk value above the second risk threshold.

6. The method of claim 1 , wherein:
the risk category that corresponds to the risk value is determined using a minimum risk threshold in addition to the first risk threshold;
a minimum risk category corresponds to a risk value below the minimum risk threshold; and
in accordance with a determination that the risk value corresponds to the minimum risk category, forgoing displaying, by the display of the validation device, the validation user interface that includes the image of the identification document; and
transmitting authentication confirmation information.

7. The method of claim 1 , wherein displaying the visual indication includes displaying an indicator overlaying the validation user interface.

8. The method of claim 1 , wherein:
displaying the validation user interface includes displaying a first evaluation input control; and
the visual indication includes altering the first evaluation input control.

9. The method of claim 1 , wherein:
displaying the validation user interface includes displaying a second evaluation input control; and
the visual indication includes displaying at least one additional evaluation input control.

10. The method of claim 1 , wherein the visual indication includes the increased time allotment.

11. The method of claim 1 , including:
analyzing the image of the identification document; and
determining, based on the ysis of the image of the identification document, at least one risk feature; and
displaying, by the display of the validation device, a risk feature indication that corresponds to the at least one risk feature.

12. The method of claim 11 , wherein the risk feature indication includes a visual alteration of the image of the identification document.

13. The method of claim 11 , wherein:
analyzing the image of the identification document includes detecting text in the image of the identification document; and
the risk feature indication includes an alteration of the text detected in the image of the identification document.

14. A computer readable storage medium storing one or more programs, the one or more programs comprising instructions, which when executed, cause a device to:
receive a first authentication request that includes an image of an identification document;
determine a risk value for the authentication request using one or more information factors that correspond to the authentication request, wherein the one or more information factors are distinct from the identification document;
display, by a display of a validation device, a validation user interface that includes the image of the identification document;
determine, using at least a first risk threshold, a risk category that corresponds to the risk value;
in accordance with a determination that the risk value corresponds to a first risk category, displaying, by the display of the validation device, a visual indication that corresponds to the first risk category; and
in accordance with a determination that the risk value corresponds to a second risk category, display, by the display of the validation device, a visual indication that corresponds to the second risk category, and increase a time allotment for evaluation of the authentication request.

15. The computer readable storage medium of claim 14 , wherein the one or more information factors that correspond to the authentication request include at least one of:
information that identifies a location in which the authentication request originated,
information that identifies a requester,
a document type that corresponds to the identification document, or
a channel via which the authentication request was received.

16. The computer readable storage medium of claim 15 , wherein the one or more programs include instructions that cause the device to:
analyze a first set of authentication requests; and
determine, based on the analyzed first set of authentication requests, whether to adjust at least one weight applied to a respective information factor of the one or more information factors.

17. The computer readable storage medium of claim 14 , wherein the one or more programs include instructions that cause the device to:
analyze a second set of authentication requests; and
adjust the first risk threshold based on the analyzed first set of authentication requests.

18. The computer readable storage medium of claim 14 , wherein:
the risk category that corresponds to the risk value is determined using a second risk threshold in addition to the first risk threshold;
the first risk category corresponds to a risk value below the first risk threshold;
the second risk category corresponds to a risk value between the first risk threshold and the second risk threshold; and
a third risk category corresponds to a risk value above the second risk threshold.

19. A system, comprising:
one or more processors;
memory; and
one or more programs, wherein t

Assignees

• Jumio Corp

Inventors

• Pointner Philipp
• Balogh Attila
• Hochrieser Reinhard
• Bayer Lukas
• Streicher Ronald

Classifications

• G06F21/32 Primary

  using biometric data, e.g. fingerprints, iris scans or voiceprints · CPC title

• G06V30/413

  Classification of content, e.g. text, photographs or tables · CPC title

• G06V2201/10

  Recognition assisted with metadata · CPC title

• G06V30/416

  Extracting the logical structure, e.g. chapters, sections or page numbers; Identifying elements of the document, e.g. authors · CPC title

• G06V40/172

  Classification, e.g. identification · CPC title