Verification and authentication systems and methods

H - Electricity – 04 – L

Patent

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Details

H04L 9/32 (2006.01) H04W 12/06 (2009.01) G06F 21/00 (2006.01) G06Q 30/00 (2012.01)

Patent

CA 2664510

Embodiments of the present invention provide verification and/or authentication service engines that provide a customizable solution that can be "dialed" based on the risk level assigned to individual or grouped applications. The systems can also incorporate internal and external sources of data used to verify information provided by the user. It is dynamic and can pull information from a myriad of sources during the verification process, enabling credit reporting agencies (e.g., Equifax and others), FSPs, and other service providers to facilitate real-time approval and access to products and services.

Des modes de réalisation de la présente invention concernent des moteurs de services de vérification et/ou d'authentification offrant une solution personnalisable pouvant être "composée" sur la base du niveau de risque attribué à des applications individuelles ou groupées. Ces systèmes peuvent également comprendre des sources de données internes et externes utilisées pour vérifier les informations fournies par l'utilisateur. Cette solution est dynamique et permet d'extraire des informations à partir d'une multitude de sources pendant l'opération de vérification, ce qui permet à des agences d'évaluation du crédit (par ex., Equifax et analogues), à des FSP et à d'autres fournisseurs de services de faciliter l'acceptation de produits et services et l'accès à ceux-ci en temps réel.

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