US 12,328,319 B2
Identity assurance based authorization and authentication systems
Bala Dutt, Bengaluru (IN); Venkataramanan Subramanian, Hyderabad (IN); Manish Shah, Bangalore (IN); Anirudh Bhargava, Delhi (IN); and Siddarth Chandrasekaran, Woodside, CA (US)
Assigned to Stripe, Inc., South San Francisco, CA (US)
Filed by Stripe, Inc., South San Francisco, CA (US)
Filed on Jun. 7, 2023, as Appl. No. 18/207,127.
Prior Publication US 2024/0414165 A1, Dec. 12, 2024
Int. Cl. H04L 9/40 (2022.01)
CPC H04L 63/102 (2013.01) 20 Claims
OG exemplary drawing
 
1. A method comprising:
obtaining an enrollment confidence score that indicates a level of confidence in an enrollment provider that issued a credential to a user that was used by the user to register a user account;
obtaining a validation confidence score that indicates a level of confidence in a validation process for validating the credential that was used by the user to register the user account;
determining an identity assurance score associated with the user account that indicates a level of confidence in an identity of the user, wherein the identity assurance score is determined based at least in part on one or more of the enrollment confidence score or the validation confidence score;
receiving, from a service provider, a request for the identity assurance score for the user account, the request corresponding to at least one of an authorization or an authentication of the user account at the service provider; and
providing, responsive to the request, the identity assurance score of the user account to the service provider for at least one of the authorization or the authentication of the user account at the service provider.