IP Library Granted Patent US 12711527
Granted Patent B2
US 12711527 · App. 18/194,462 · Granted Aug 18, 2026

User verification with state machines

Inventors: John Backus (Miami, FL); Faris Toqan (Chicago, IL)
Assignee: Plaid Inc.
G06Q30/0609G06F3/0481G06F3/0482G06F8/38G06F9/4498G06F9/451G06F21/32G06F21/36H04L63/0876H04L63/0884
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Quick Facts
Patent No.
US 12711527
App. No.
18/194,462
Granted
Aug 18, 2026
Kind
B2
Abstract

In some implementations, a verification system may initiate a state machine associated with a verification for the user, the state machine being associated with a plurality of verification procedures for the user. The verification system may modify a state of the state machine associated with a subsequent procedure of the verification procedures based on an outcome associated with a preceding procedure of the verification procedures. The verification system may determine a final state of the state machine based on an outcome associated with the subsequent procedure of the verification procedures.

Claims (46)

1 . A system for verifying a user, the system comprising:

one or more memories; and

one or more processors, communicatively coupled to the one or more memories, configured to:

initiate a state machine associated with a verification for the user, wherein the state machine is associated with a plurality of verification procedures for the user;

modify, for a subsequent procedure of the plurality of verification procedures following a preceding procedure of the plurality of verification procedures, a state of the state machine from an inactive state to an active state based on an outcome associated with the preceding procedure,

wherein the active state is associated with a rule that prevents modifying the active state to the inactive state for the subsequent procedure;

re-modify the state of the state machine associated with the subsequent procedure based on an outcome associated with a repetition of the subsequent procedure; and

determine a final state of the state machine based on the outcome associated with the repetition of the subsequent procedure.

2 . The system of claim 1 , wherein the one or more processors are further configured to:

refrain from performing a repetition of the preceding procedure.

3 . The system of claim 1 , wherein the one or more processors are further configured to:

re-modify the state of the state machine associated with the preceding procedure from failed to active; and

re-modify the state of the state machine associated with the subsequent procedure from failed to active,

wherein the state of the state machine associated with the preceding procedure is associated with a rule that prevents modifying a failed state to an active state unless the state of the state machine associated with the subsequent procedure is in an active state.

4 . The system of claim 1 , wherein the preceding procedure is associated with a verification of public information associated with the user.

5 . The system of claim 1 , wherein the subsequent procedure is associated with a verification of an image, a video, or a document associated with the user.

6 . The system of claim 1 , wherein the one or more processors are further configured to:

transmit, to a user device associated with the user, an indication of the final state.

7 . The system of claim 1 , wherein the final state comprises an overall pass state or an overall fail state.

8 . The system of claim 1 , wherein the preceding procedure is performed on a first user device and the subsequent procedure is performed on a second user device.

9 . A method of verifying a user, comprising:

initiating a state machine associated with a verification for the user, wherein the state machine is associated with a plurality of verification procedures for the user;

modifying, for a subsequent procedure of the plurality of verification procedures following a preceding procedure of the plurality of verification procedures, a state of the state machine from an inactive state to an active state based on an outcome associated with the preceding procedure,

wherein the active state is associated with a rule that prevents modifying the active state to the inactive state for the subsequent procedure;

modifying the state of the state machine associated with the subsequent procedure based on an outcome associated with a repetition of the subsequent procedure; and

determining a final state of the state machine based on the outcome associated with the repetition of the subsequent procedure.

10 . The method of claim 9 , wherein modifying the state from inactive state to the active state is based on the outcome being a failed outcome.

11 . The method of claim 9 , wherein the subsequent procedure comprises video analysis of a selfie video representing the user for at least one second.

12 . The method of claim 9 , further comprising:

transmitting, to a client device, an indication of the outcome associated with the preceding procedure and the outcome associated with the repetition of the subsequent procedure.

13 . The method of claim 9 , further comprising:

transmitting, to a user device associated with the user, an indication of the final state.

14 . The method of claim 9 , wherein the final state comprises an overall pass state or an overall fail state.

15 . A non-transitory computer-readable medium storing a set of instructions, the set of instructions comprising:

one or more instructions that, when executed by one or more processors of a device, cause the device to:

initiate a state machine associated with a verification for a user, wherein the state machine is associated with a plurality of verification procedures for the user;

modify, for a subsequent procedure of the plurality of verification procedures following a preceding procedure of the plurality of verification procedures, a state of the state machine from an inactive state to an active state based on an outcome associated with the preceding procedure,

wherein the active state is associated with a rule that prevents modifying the active state to the inactive state for the subsequent procedure;

modify the state of the state machine associated with the subsequent procedure based on an outcome associated with a repetition of the subsequent procedure; and

determine a final state of the state machine based on the outcome associated with the repetition of the subsequent procedure.

16 . The non-transitory computer-readable medium of claim 15 , wherein the preceding procedure is associated with a verification of public information associated with the user.

17 . The non-transitory computer-readable medium of claim 15 , wherein the subsequent procedure is associated with a verification of an image, a video, or a document associated with the user.

18 . The non-transitory computer-readable medium of claim 15 , wherein the final state comprises an overall pass state or an overall fail state.

19 . The non-transitory computer-readable medium of claim 15 , wherein the preceding procedure is performed on a first user device and the subsequent procedure is performed on a second user device.

20 . The non-transitory computer-readable medium of claim 15 , wherein the one or more instructions that, when executed by one or more processors of a device, cause the device to:

transmit, to a user device associated with the user, an indication of the final state.