US 12,002,088 B2
Identity proofing offering for customers and non-customers
Vivek Bharatam, Aldie, VA (US); Meghnath Sharma, Chantilly, VA (US); and Parvez Naqvi, Potomac, MD (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Sep. 30, 2020, as Appl. No. 17/038,193.
Application 17/038,193 is a continuation of application No. 16/208,847, filed on Dec. 4, 2018, granted, now 10,819,520.
Claims priority of provisional application 62/739,702, filed on Oct. 1, 2018.
Prior Publication US 2021/0014061 A1, Jan. 14, 2021
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 40/03 (2023.01); G06F 21/10 (2013.01); G06F 21/60 (2013.01); G06F 21/62 (2013.01); G06Q 50/26 (2012.01); H04L 9/08 (2006.01); H04L 9/32 (2006.01)
CPC G06Q 40/03 (2023.01) [G06F 21/10 (2013.01); G06F 21/602 (2013.01); G06F 21/6245 (2013.01); G06Q 50/265 (2013.01); H04L 9/0838 (2013.01); H04L 9/0844 (2013.01); H04L 9/3218 (2013.01); G06Q 2220/00 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A system, comprising:
one or more processors operable to execute stored instructions that, when executed, causes the one or more processors to:
receive, via a first application programming interface (API), an encrypted information related to a consumer;
decrypt the received information with a decryption key associated with a key pair, the decryption key being derived using a rotatable public key and a private key in the key pair, the rotatable public key being valid during a predetermined period of time and rotated for another public key after expiration of the predetermined period of time;
generate, via the first API, a transaction identifier, the transaction identifier being representative of the decrypted received information;
determine one or more transaction attributes based on the transaction identifier, wherein the one or more transaction attributes indicate one or more verifications to be performed, and validate, using a second API different from the first API, the one or more transaction attributes, and initiate, based on validation of the one or more transaction attributes, at least one verification in the one or more verifications;
select, based on the one or more transaction attributes and the transaction identifier, the at least one verification one or more verification systems in a plurality of verification systems for performing the at least one verification;
call, via the second API, the selected one or more verification systems for performing the at least one verification, wherein the selected one or more verification systems are one or more authoritative sources for verifying an identity of the consumer and wherein the second API calls only the selected one or more verification systems corresponding to the at least one verification indicated in the one or more transaction attributes;
generate one or more identity proofing results for the at least one verification; and
select, based on the one or more transaction attributes and the transaction identifier, at least one identity proofing result in the one or more identity proofing results, and provide the selected at least one identity proofing result.