US 12,354,083 B2
Self-sovereign identity structured messaging for cross channel authentication
Bryan Walser Nonni, Atlanta, GA (US); and Alexander Simon Lewin, Atlanta, GA (US)
Assigned to Digital First Holdings LLC, Atlanta, GA (US)
Filed by Digital First Holdings LLC, Atlanta, GA (US)
Filed on Apr. 29, 2022, as Appl. No. 17/732,806.
Application 17/732,806 is a continuation in part of application No. 17/162,663, filed on Jan. 29, 2021.
Prior Publication US 2022/0253833 A1, Aug. 11, 2022
Int. Cl. G06Q 20/36 (2012.01)
CPC G06Q 20/3674 (2013.01) 10 Claims
OG exemplary drawing
 
1. A method, comprising:
presenting an option within a user interface of an application to opt-in for Self-Sovereign Identity (SSI) wallet-to-wallet (W2W) customer authentication;
receiving a selection of the option from a customer through the user interface;
establishing an SSI-enabled customer wallet for the customer based on the selection using an SSI provider managed on a financial institution (FI) server;
initiating a Decentralized Identifier (DID) connection between the SSI-enabled customer wallet and a wallet of a FI;
obtain a relationship DID from the DID connection;
maintaining the DID and the relationship DID in account records for an account of the customer with the FI for the SSI W2W customer authentication; and
authenticating the customer via encrypted and signed structured messages between the SSI-enabled customer wallet and the FI wallet over a secure channel that prevents exposure of Personal Identifiable Information (PII) over other communication channels used by the customer to contact the FI.