Capital One Services, LLC

Worldpay Limited

Ryan G Fox

Jonathan Weimer

Matthew J Thompson

Keith Hamburg

Paul Y Moreton

Meghnath Sharma

Charles W Hall

Chintan Jain

Jeremy Gifford

Damien M Davoli

Monika Valiramani Boyle

Matthew Thompson

Computer-implemented methods and systems are provided for blockchain-mediated user authentication. Consistent with disclosed embodiments, authentication may comprise operations including receiving, from a user system, an authentication request for a user. The operations may also include determining a root system for the user using a blockchain, and redirecting the user system to the root system. The operations may include receiving, following redirection, a verification message indicating that the root system successfully authenticated the user, and including an authorization code for receiving, from the root system, a root system secret. The operations may include receiving from a database, identification data using the root system secret. Determining the root system may comprise identifying, using the authentication request and index information stored in the blockchain, a block of the blockchain storing root system information for the user. Receiving the identification data may comprise retrieving identification data from the database.

Blockchain systems and methods for user authentication

A synthetic identity network for detecting synthetic identities may receive a first request for credit including one or more user attributes, compare the one or more user attributes to one or more stored user identities, create a new user identity, flag the new user identity as a potentially synthetic identity based on comparing the one or more user attributes to the one or more stored user identities, receive a second request for credit including or more second user attributes, compare the one or more second user attributes to the one or more user attributes associated with the potentially synthetic identity, prepare a notice including the potentially synthetic identity and a credit request identifier, and transmit the notice to one or more servers.

Synthetic identity signal network

Systems and methods are provided for authenticating an identity of a user requesting a resource or service from an entity. In some embodiments, a system may include at least one processor; and a non-transitory medium containing instructions that cause the system to perform operations. The operations may include receiving credential information associated with the remote user, and receiving, from the server associated with the entity, first hash information. The operations may also include generating second hash information based on information associated with the user, comparing the first hash information with the second hash information, and transmitting an indication based on the comparison to the server associated with the entity.

Systems and methods for secure remote identity verification

Methods and systems are disclosed for merchant system identity validation. One method comprises generating, by an access management system, a primary key associated with an integrator system and transmitting the primary key to the integrator system. The access management system may also generate a hash value associated with a merchant system, and may transmit the hash value to the merchant system. When a payment transaction is initiated at the merchant system, the access management system may receive an authorization request comprising a key-hash pair. The key-hash pair may be validated against a validation database. Upon successful validation, the access management system may transmit the authorization request to an acquirer processor.

Methods and systems for enhanced endpoint identity validation in electronic transactions

Various embodiments are generally directed to techniques of generating a unique biometric key, hashing and salting the key, and storing it. Embodiments include techniques to analyze biological information associated with a user and determine one or more biological characteristics from the analyzed information. The biological characteristics may be used to generate a character string unique to the user, which may be used to generate the biometric key based on a cryptographic algorithm. The hash values, salt values, or the hash function may be changed at a predetermined interval.

Rolling biometric key exchange

In certain embodiments, a distance threshold may be adjusted, and authentication may be performed based on the adjusted distance threshold. In some embodiments, an authentication request from a first user device associated with a user may be received. First location information of the first user device and second location information of a second user device may be obtained. A distance between the first and second user devices may be determined based on the first and second location information. A distance threshold may be adjusted based on whether such location information is obtained over the same wireless network, whether such information is obtained over a public wireless network, whether an IP address from which such location information is obtained matches a stored IP address, or other criteria. The user may be authenticated based on a comparison of the distance to the adjusted distance threshold.

Systems and methods for tiered authentication including position-based credentials

Various embodiments are directed to performing identity verification using biometrics and open data, such as publicly available data on the Internet. A person may provide various types of information about the person, including a name and an image of the person. An Internet search may be performed on the provided name and one or more publicly-available images corresponding to that name may be acquired. Biometric analyses may be performed on both the image provided by the person and the acquired one or more images to determine whether any of them match the person. Metadata may be extracted from a matching image. Moreover, data relating to the person may be acquired from the source of the matched image. The metadata and the data from the source may be compared with the information provided by the person to validate the identity of the person.

Open data biometric identity validation

Embodiments disclosed herein generally relate to a system and method of verifying an identity of user. A computing system receives a HTTP request. The HTTP request includes at least a user name and an IP address associated with a router accessed by the remote client device. The computing system parses the HTTP request to extract the user name and the IP address contained therein. The computing system identifies a user account associated with the extracted user name. The computing system identifies an internet service provider associated with the IP address. The computing system transmits a verification message to the third party service provider. The computing system receives a confirmation message from the third party service provider. The computing system increases a level of confidence in an identification verification process based on the confirmation.

Method and system for verifying user identity

The present disclosure relates to systems and methods for implementing tiered authentication using position-based credentials. A system for authenticating a user with position-based credentials may include one or more memories storing instructions and one or more processors configured to execute the instructions to perform operations. The operations may include receiving a login request associated with the user from a first user interface device; receiving a first location associated with the first user interface device; receiving a second location associated with a second user interface device; when a Lebesgue distance between the first location and the second location is below a first threshold, authenticating the user; when the Lebesgue distance is above the first threshold and below a second, larger threshold, prompting the first interface device for a first credential; and when the Lebesgue distance is above the second threshold, prompting the first interface device for a second credential.

Growing community of inventors

Lebanon, OH, United States of America

Ryan G Fox