US 11,997,086 B1
Systems and methods for identity verification and authentication
Alex Grinman, Brookline, MA (US); and Eli Wachs, New York, NY (US)
Assigned to One Footprint Inc., New York, NY (US)
Filed by One Footprint Inc., New York, NY (US)
Filed on Jul. 19, 2022, as Appl. No. 17/868,431.
Int. Cl. H04L 9/40 (2022.01)
CPC H04L 63/0861 (2013.01) [H04L 63/083 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A system configured to facilitate identity verification and authentication for users, wherein the users include a first user, wherein the first user is associated with a first client computing platform, the system comprising:
electronic storage configured to store information electronically; and
one or more hardware processors configured by machine-readable instructions to:
receive, through an online platform associated with a particular organization, a first item of personal information pertaining to the first user;
determine whether the first user has previously been registered at the system, based on the first item of personal information;
responsive to determining the first user has not previously been registered:
(i) receive, through the online platform, additional items of personal information pertaining to the first user, and
(ii) effectuate storage of an item of credential information associated with the first user on the first client computing platform;
perform one or more verification actions based on one or more of the received items of personal information pertaining to the first user;
responsive to the one or more verification actions completing satisfactorily, create a first user data vault to securely store one or more of the received items of personal information in encrypted form, wherein encryption is based on an encryption key that is part of a cryptographic key pair, wherein the first user data vault is specific to the first user, wherein the encryption key is specific to the first user,
create a first user token that identifies the first user;
transfer the first user token to the online platform;
receive a validation request from a backend server of the particular organization requesting validation pertaining to the first user, wherein the validation request includes the first user token;
access the first user data vault based on the validation request;
transfer a response to the validation request to the backend server, wherein the response indicates a result of the validation;
receive, through the online platform, an identity verification request on behalf of the first user;
determine whether the first user has previously been registered at the system;
responsive to determining the first user has been registered, initiate one or more challenge protocols on the first client computing platform associated with the first user;
responsive to the one or more challenge protocols completing satisfactorily, transfer the first user token to the online platform;
receive a second validation request from the backend server of the particular organization requesting a second validation pertaining to the first user, wherein the second validation request includes the first user token;
access the first user data vault based on the second validation request; and
transfer a second response to the second validation request to the backend server, wherein the second response indicates a second result of the second validation.