SG11201908374PA - Systems and methods for user identity authentication - Google Patents

Systems and methods for user identity authentication

Info

Publication number
SG11201908374PA
SG11201908374PA SG11201908374PA SG11201908374PA SG 11201908374P A SG11201908374P A SG 11201908374PA SG 11201908374P A SG11201908374P A SG 11201908374PA SG 11201908374P A SG11201908374P A SG 11201908374PA
Authority
SG
Singapore
Prior art keywords
user
verification
identity
payment card
bank account
Prior art date
Application number
Inventor
Jer-Wei Lam
Wooi Siang Lee
Sandra Mei Ling Cheim
Azim Adil Yazdani
Original Assignee
Jewel Paymentech Pte Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Jewel Paymentech Pte Ltd filed Critical Jewel Paymentech Pte Ltd
Publication of SG11201908374PA publication Critical patent/SG11201908374PA/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • G06F21/32—User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • G06F21/36—User authentication by graphic or iconic representation
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
    • G06V40/00—Recognition of biometric, human-related or animal-related patterns in image or video data
    • G06V40/10—Human or animal bodies, e.g. vehicle occupants or pedestrians; Body parts, e.g. hands
    • G06V40/16—Human faces, e.g. facial parts, sketches or expressions
    • G06V40/172—Classification, e.g. identification

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Theoretical Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Engineering & Computer Science (AREA)
  • Computer Hardware Design (AREA)
  • Software Systems (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Marketing (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Technology Law (AREA)
  • Health & Medical Sciences (AREA)
  • General Health & Medical Sciences (AREA)
  • Oral & Maxillofacial Surgery (AREA)
  • Human Computer Interaction (AREA)
  • Multimedia (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

ReceiveUser Authentication Data St Determine Details of Payment Card / Bank Account ▪ 304 St Compare Details of Payment Card / Bank Account with Rules for Authentication Determine Name Associated with Payment Card / Bank Account St Determine Name Associated with Identity Card ▪ 310 ▪ 312 Perform Name Verification Perform Image Verification 306 ▪ 308 W O 20 18/ 17 48 24 Al (12) INTERNATIONAL APPLICATION PUBLISHED UNDER THE PATENT COOPERATION TREATY (PCT) (19) World Intellectual Property Organization International Bureau (43) International Publication Date 27 September 2018 (27.09.2018) WIP0 I PCT omit VIII °nolo olo VIII ow (10) International Publication Number WO 2018/174824 Al (51) International Patent Classification: GO6Q 40/00 (2012.01) GOOK 9/00 (2006.01) GOOF 21/30 (2013.01) (21) International Application Number: PCT/SG2018/050127 (22) International Filing Date: 23 March 2018 (23.03.2018) (25) Filing Language: English (26) Publication Language: English (30) Priority Data: 10201702392P 23 March 2017 (23.03.2017) SG (71) Applicant: JEWEL PAYMENTECH PTE LTD [SG/SG]; 31 Kaki Bukit Road 3, #06-25 Techlink, Singa- pore 417818 (SG). (72) Inventors: LAM, Jer-Wei; c/o Jewel Paymentech Pte Ltd, 31 Kaki Bukit Road 3, #06-25 Techlink, Singapore 417818 (SG). LEE, Wooi Siang; c/o Jewel Paymentech Pte Ltd, 31 Kaki Bukit Road 3, #06-25 Techlink, Singapore 417818 (SG). CHEIM, Sandra Mei Ling; c/o Jewel Paymentech Pte Ltd, 31 Kaki Bukit Road 3, #06-25 Techlink, Singa- pore 417818 (SG). YAZDANI, Azim Adil; c/o Jewel Pay- mentech Pte Ltd, 31 Kaki Bukit Road 3, #06-25 Techlink, Singapore 417818 (SG). (74) Agent: LINDSAY, Jonas Daniel; Marks & Clerk Singa- pore LLP, Tanjong Pagar, P 0 Box 636, Singapore 910816 (SG). (81) Designated States (unless otherwise indicated, for every kind of national protection available): AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DJ, DK, DM, DO, DZ, EC, EE, EG, ES, FE GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IR, IS, JO, JP, KE, KG, KH, KN, KP, KR, KW, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW. (84) Designated States (unless otherwise indicated, for every kind of regional protection available): ARIPO (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, TZ, UG, ZM, ZW), Eurasian (AM, AZ, BY, KG, KZ, RU, TJ, TM), European (AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FE FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, (54) Title: SYSTEMS AND METHODS FOR USER IDENTITY AUTHENTICATION (57) : Systems and methods for user identity authentication, 300 for example in know your customer (KYC) procedures are described. A method for user identity authentication comprises; receiving user authen- tication data from a user device, the user authentication data comprising data indicative of a payment card account or bank account associated with the user, data indicative of an identity card of the user, and an image of the user captured by the user device; determining a name associated with the payment card or bank account associated with the user; determining a name associated with the identity card of the user; performing a name verification by comparing the name associated with the payment card or bank account associated with the user with the name associated with the identity card of the user; performing an image verification by comparing the image of the user with an image associated with the identity card of the user; performing an account verification by generating a transaction on the payment card or bank account associated with the user and receiving an account verification response; and generating a user identity verifica- tion indication indicating that the identity of user has been authenticated if the name verification, the image verification and the account verifica- tion were successful. ▪ 318 Generate User Identity Verification Indication ▪ 320 Figure 3 [Continued on next page] Perform Account Verification 314 ▪ 316 Perform Fraud Detection WO 2018/174824 Al MIDEDIMOMMIDIREEMOMMEHIMOIOHNEVOIS TR), OAPI (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG). Declarations under Rule 4.17: — of inventorship (Rule 4.17(iv)) Published: — with international search report (Art. 21(3))
SG11201908374P 2017-03-23 2018-03-23 Systems and methods for user identity authentication SG11201908374PA (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
SG10201702392P 2017-03-23
PCT/SG2018/050127 WO2018174824A1 (en) 2017-03-23 2018-03-23 Systems and methods for user identity authentication

Publications (1)

Publication Number Publication Date
SG11201908374PA true SG11201908374PA (en) 2019-10-30

Family

ID=63585621

Family Applications (1)

Application Number Title Priority Date Filing Date
SG11201908374P SG11201908374PA (en) 2017-03-23 2018-03-23 Systems and methods for user identity authentication

Country Status (3)

Country Link
US (1) US20200143377A1 (en)
SG (1) SG11201908374PA (en)
WO (1) WO2018174824A1 (en)

Families Citing this family (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US11475446B2 (en) * 2018-12-28 2022-10-18 Mastercard International Incorporated System, methods and computer program products for identity authentication for electronic payment transactions
US11494769B2 (en) * 2019-01-10 2022-11-08 Mastercard International Incorporated System, methods and computer program products for identity authentication for electronic payment transactions
JP6998568B2 (en) * 2019-03-04 2022-01-18 パナソニックＩｐマネジメント株式会社 Face recognition system and face recognition method
EP4168963A4 (en) * 2020-06-22 2023-12-06 ID Metrics Group Incorporated Data processing and transaction decisioning system
SG10202006357UA (en) 2020-07-01 2020-09-29 Alipay Labs Singapore Pte Ltd A Document Identification Method and System
CN113269120A (en) 2020-08-11 2021-08-17 支付宝实验室(新加坡)有限公司 Method, system and device for identifying quality of face image
CN113128996B (en) * 2021-05-11 2022-11-18 支付宝(杭州)信息技术有限公司 Payment method, device and equipment
US20220366431A1 (en) * 2021-05-14 2022-11-17 Zenus Bank International, Inc. System and method for onboarding account customers

Family Cites Families (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20110276484A1 (en) * 2010-05-04 2011-11-10 Gregory A. Pearson, Inc. Identity verification systems
US20130204786A1 (en) * 2012-02-03 2013-08-08 Daniel Mattes Verification of Online Transactions
US20160065558A1 (en) * 2013-01-08 2016-03-03 Coursera, Inc. Identity verification for online education

Also Published As

Publication number Publication date
WO2018174824A1 (en) 2018-09-27
US20200143377A1 (en) 2020-05-07

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