Square, Inc.

Block, Inc.

Aditya Nagpal

Ted Wong

Bhavishyavani Ravi

Shannon-Lee Eng

Gradated access to services based on identity verification (IDV) is described herein. In an example, a computing device can receive identifying information of a user and can select, from a plurality of IDV paths and based at least in part on the identifying information of the user, an IDV path for verifying an identity of the user using one or more factors. Based at least in part on the one or more factors, the computing device can determine a score indicative of whether the identifying information provided by the user accurately identifies the user. The score can be used for the benefit of one or more service providers to verify an identity of the user and/or determine gradated access to one or more services of the one or more service providers.

Gradated service access based on identity verification (IDV)

Identity verification (IDV) using a payment processing platform is described herein. In an example, a computing device can receive identifying information of a user. The computing device can request payment information of a payment instrument of the user and can receive the payment information of the payment instrument of the user. The computing device can prompt the user to present the payment instrument at a point-of-sale (POS) of a trusted merchant and can verify the identity of the user based at least in part on verification information received from a merchant device operable by the trusted merchant at the POS.

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San Francisco, CA, United States of America

Aditya Nagpal