US 12,463,966 B2
Systems and methods for digital identity verification
Howard Spector, Woolwich, NJ (US); Jasbir Banga, Swedesboro, NJ (US); Allison Beer, Bronxville, NY (US); Meena Pinto, Chadds Ford, PA (US); Michael S. Hartman, Wilmington, DE (US); Dennis Bowers, Middletown, DE (US); and Pio Abate, Mullica Hill, NJ (US)
Assigned to JPMORGAN CHASE BANK, N.A., New York, NY (US)
Filed by JPMORGAN CHASE BANK, N.A., New York, NY (US)
Filed on Nov. 30, 2022, as Appl. No. 18/060,407.
Application 18/060,407 is a division of application No. 16/888,467, filed on May 29, 2020, granted, now 11,544,779.
Claims priority of provisional application 62/854,825, filed on May 30, 2019.
Prior Publication US 2023/0094243 A1, Mar. 30, 2023
Int. Cl. G06Q 40/02 (2023.01); G06N 20/00 (2019.01); G06Q 20/32 (2012.01); G06Q 20/40 (2012.01); G06V 30/418 (2022.01); G06V 40/40 (2022.01); H04L 9/40 (2022.01); G06V 30/40 (2022.01)
CPC H04L 63/0861 (2013.01) [G06N 20/00 (2019.01); G06Q 20/3227 (2013.01); G06Q 20/4014 (2013.01); G06Q 20/4097 (2013.01); G06Q 40/02 (2013.01); G06V 30/418 (2022.01); G06V 40/40 (2022.01); G06V 30/40 (2022.01)] 6 Claims
OG exemplary drawing
 
1. A method for carrier verification of user identification, comprising:
a computer program executed by a mobile electronic device, receiving a request to open an account with an entity, wherein the request is authenticated using multi-factor authentication which comprises mobile electronic device fingerprinting and a one-time passcode (OTP);
the computer program determining user information comprising a user name, a user address, and a user phone number from an identity document using machine learning to assesses validity of the identity document and identify fields of the identity document;
the computer program determining to pull interaction information from an electronic wallet partner and a mobile network operator, the interaction information used by the computer program to assist in the determining of the user information, wherein the computer program uses a configuration hook or a call-back hook, wherein the configuration hook or the call-back hook each comprise a pre-processing hook, a post-processing hook, or a core processing hook;
the computer program requesting a unique EVURL associated with an individual request from the mobile electronic device and a session identifier from a carrier server that provides data service for the mobile electronic device, wherein the carrier server associates the individual request with the unique EVURL;
the computer program rendering a page comprising the session identifier and the EVURL;
in response to the rendering, the computer program contacting the carrier server using the EVURL and providing the session identifier, wherein the carrier server associates the electronic device with the session identifier;
the computer program invoking a match procedure with the carrier server and providing the user information, wherein the carrier generates a collective score which comprises an aggregate match score based on each of the user name, the user address, and the user phone number, for the user information against registered user information registered to the mobile electronic device;
the computer program receiving the collective score from the carrier server;
in response to the match score not showing that the user information is the same as the registered user information, the computer program using machine learning to determine to contact the mobile network operator and the electronic wallet provider for new user verification information; and
the computer program contacting the electronic wallet provider to request the new user verification.