Triage engine for document authentication

Patent metadata

Field	Value
Publication number	US-11558377-B2
Application number	US-201916957897-A
Country	US
Kind code	B2
Filing date	Jan 18, 2019
Priority date	Jan 26, 2018
Publication date	Jan 17, 2023
Grant date	Jan 17, 2023

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, performed at a server system including one or more processors and memory storing one or more programs for execution by the one or more processors, comprising:
receiving an 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;
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, that the risk value corresponds to a risk category of a plurality of risk categories, wherein the plurality of risk categories includes a low risk category, a medium risk category, and a high risk category;
in accordance with a determination that the risk value corresponds to the medium risk category, displaying, in the validation user interface, a visual indication that corresponds to the medium risk category concurrently with a first set of review affordances associated with the medium risk category that allow a user of the validation device to validate the identification document; and
in accordance with a determination that the risk value corresponds to the high risk category, displaying, in the validation user interface, a visual indication that corresponds to the high risk category concurrently with a second set of review affordances associated with the high risk category, distinct from the first set of review affordances associated with the medium risk category, that allow the user of the validation device to validate the identification document.

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 1 , 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 low risk category corresponds to a risk value below the first risk threshold;
the medium risk category corresponds to a risk value between the first risk threshold and the second risk threshold; and
the high 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; 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 , including, in accordance with the determination that the risk value corresponds to the medium risk category, increasing a time allotment for evaluation of the authentication request.

9. The method of claim 8 , wherein the visual indication includes the time allotment.

10. The method of claim 1 , including:
analyzing the image of the identification document; and
determining, based on the analysis 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.

11. The method of claim 10 , wherein the risk feature indication includes a visual alteration of the image of the identification document.

12. The method of claim 10 , 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.

13. A server system comprising:
one or more processors; and
memory storing one or more programs for execution by the one or more processors, comprising instructions for:
receiving an 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;
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, that the risk value corresponds to a risk category of a plurality of risk categories, wherein the plurality of risk categories includes a low risk category, a medium risk category, and a high risk category;
in accordance with a determination that the risk value corresponds to the medium risk category, displaying, in the validation user interface, a visual indication that corresponds to the medium risk category concurrently with a first set of review affordances associated with the medium risk category that allow a user of the validation device to validate the identification document; and

in accordance with a determination that the risk value corresponds to the high risk category, displaying, in the validation user interface, a visual indication that corresponds to the high risk category concurrently with a second set of review affordances associated with the high risk category, distinct from the first set of review affordances associated with the medium risk category, that allow the user of the validation device to validate the identification document.

14. The server system of claim 13 , 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.

15. The server system of claim 13 , wherein the one or more programs further comprise instructions for:
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.

16. A non-transitory computer-readable storage medium storing instructions that, when executed by a server system with one or more processors, cause the server system to perform a set of operations, comprising:
receiving an 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 authe

Assignees

• Jumio Corp

Inventors

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

Classifications

• G06V30/416

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

• G06V40/70

  Multimodal biometrics, e.g. combining information from different biometric modalities · CPC title

• G06F21/45

  Structures or tools for the administration of authentication · CPC title

• H04L63/0861 Primary

  using biometrical features, e.g. fingerprint, retina-scan (cryptographic mechanisms or cryptographic arrangements for entity authentication using biological data H04L9/3231) · CPC title

• G06V40/172

  Classification, e.g. identification · CPC title