Early Warning Services, LLC

Prove Identity, Inc.

Payfone, Inc.

Eric Woodward

Gregory Slowiak

Jeff Shultz

Philip Lam

Rodger R Desai

Aaron Bartrim

Betty Chan-Bauza

Mark A Pender

James R Mortensen

Hal Granoff

Ryan Riveland

Matt Brown

Chris Cunningham

Disclosed herein is an identity network that can provide a universal, digital identity for users that can be used to authenticate the user by an identity provider for relying parties. The identity network receives a request from a relying party that includes deep linking to an identity provider selected by the user. The request specifies the user as well as any other information about the user the relying party is requesting. A service of the identity network launches the application for the identity provider on the user's device using a software development kit. The user can log into the identity provider's application, which validates the user and provides the user authentication/validation and information about the user to the identity network. The identity network can then provide the indication of the user's authentication and the user information to the relying party.

Digital identity

Described herein is an identity network for authenticating a user for a relying party and providing access to the user's credit report. The identity network may receive an unlock request for the digital identity and credit report of a user from a relying party. In response, the identity network may provide an identity provider link for accessing the identity provider application. The user may login to the identity provider application and provide consent for obtaining the user's credit report. The identity provider provides the identity network with verification of the digital identity of the user and the consent response from the user. The identity network can request access from a credit reporting agency and receive a credit report key in response. The identity network can provide the credit report key to the relying party, which can use the key to access the user's credit report from the credit reporting agency.

Digital identity lock

Described herein is an identity network for validating the digital identity of a user. The identity network may receive, from a relying party, an identity validation request to validate a digital identity of the user. The identity network may provide, to the relying party, a link associated with an identity provider application based on the identity validation request. The identity network may receive, from an identity provider associated with the identity provider application, a confirmation that the user has successfully accessed the identity provider application via the link. After receiving the confirmation, the identity network may receive from the identity provider, an attribute validation request to validate identity attributes of the user, where the attribute validation request includes a plurality of identity attributes of the user. The identity network may validate the digital identity of the user based on the plurality of identity attributes.

Digital identity step-up

Disclosed herein is an identity network that provides a universal, digital identity for users to be authenticated by an identity provider for relying parties upon sign-in to the relying party. The identity network receives the sign-in request from a relying party for a user using a user device. The identity network can provide a session identifier to the relying party for the request and launch an identity provider application associated with the user via a software development kit in the relying party application. The user may sign-in to the identity provider via the software development kit, thereby authenticating the user for the relying party. Additionally, the identity provider may generate a risk validation score and provide it to the relying party that provides a confidence value that the user is validly using the user device and a risk score based on device activity on the identity network.

Digital identity sign-in

Disclosed herein is an identity network that can provide a universal, digital identity for users that can be used to authenticate the user by an identity provider for relying parties to utilize for confirming the identity of the user during sign-up. The identity network receives a request from a relying party that includes deep linking to an identity provider selected by the user. The request specifies the user and any other information about the user the relying party is requesting. A service of the identity network launches the application for the identity provider on the user's device and the user logs into the identity provider's application, which provides the user authentication/validation and information about the user to the identity network. The identity network can then provide the information to the relying party, which the relying party can rely on for creating an account with the relying party for the user.

Digital identity sign-up

A transaction authentication system authenticates a transaction by determining whether a mobile device and POS device involved in the transaction are at the same location. A POS registry stores location data for POS devices. A PAN registry stores mobile device IDs corresponding to account numbers. A mobile device ID can be provided from the PAN registry in response to receiving an account number from a POS device. The mobile device ID can then be used to retrieve location information from a home location register maintained by a mobile service provider. The retrieved location data for a POS device and the retrieved location data for a mobile device are compared.

Authentication of transactions conducted using mobile devices

Described herein is an identity network for validating the digital identity of a user based on identity provider validation for relying parties. The identity network may receive a request to validate a user that includes attributes of the user and a device identifier of the device the user is using to access the relying party. The identity network may identify an identity provider for the user based on the device identifier or attributes of the user. The identity network may launch the identity provider application through the relying party application integration of a software development kit. Upon launch, the user may authenticate himself through the identity provider, and the identity provider may provide a second set of attributes of the user to compare with the user provided attributes. The identity network can provide a confidence score to the relying party based on the comparison of the user attribute values.

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Scottsdale, AZ, United States of America

Eric Woodward