Visa International Service Association

Sandra Salvatori

Benedicto Dominguez

Thomas Manessis

Janet T Roth

Melody L Rutherford

Benedicto H Dominguez

Thomas J Manessis

Techniques for authenticating the identity and validating the profile of an individual ('a presenter') who presents him or herself to another party ('an acceptor') as having a certain identity and having certain corresponding profile data are described. The invention can be advantageously used in Internet transactions where such authentication and validation is difficult to perform. The techniques of the present invention allow the trusted party to give a definitive answer regarding the authentication of identity and validity of profile data. Other services such as profile data provisioning and profile data updating can also be performed.

Data authentication and provisioning method and system

Authenticating the identity and validating the profile of an individual who presents himself to another party as having a certain identity and corresponding profile data occurs during an Internet transaction. A trusted party gives a definitive answer regarding the authentication of identity and validity of profile data. The trusted party can be a financial institution that has an established relationship with the individual. For example, the financial institution can be a bank that issues a debit or credit card to the individual. The trusted party can also provide the profile data of the individual to the other party, rather than have the individual provide such data. The trusted party can also update the individual's profile data held by the other party when such data is no longer current.

Profile and identity authentication service

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Sausalito, CA, United States of America

Sandra Salvatori