Method and system to verify the identity of a user
A method and system to verify the identity of a user are described. The system may include a communications module to receive a billing telephone number and a private data segment associated with a user; an address detector to obtain a street address associated with the user; a private data processor to obtain one or more identification records, utilizing the obtained street address and the private data segment; and a matching module to compare the one or more identification records with the private data segment associated with the user to generate a match result.
1. An identity verification system provided to verify the identity of a user associated with a phone bill that can be used as a payment method, the system comprising:
a processor; and
a memory including instructions which cause the processor to implement:
a communications module configured to receive, at a verification computer system, a billing telephone number and a user-supplied private data segment, the user-supplied private data segment corresponding to a date of birth of a user, wherein the billing telephone number indicates that a user has selected an associated phone bill as a payment method;
an address detector configured to use the received billing telephone number to obtain, from an address service computer system, a street address associated with the user;
a private data processing module configured to obtain, from a personal data computer system, one or more identification records, utilizing the obtained street address; and
a matching module configured to compare the one or more identification records obtained from the personal data computer system with the user-supplied private data segment to generate a match result, the address service computer system and the personal data computer system being third party computer systems.
2. The system of claim 1 , further comprising a business rules engine configured to determine whether the match result corresponds to a positive authentication of the user.
3. The system of claim 2 , wherein the business rules engine is in communication with a configuration module, the configuration module configured to identify authentication criteria.
4. The system of claim 3 , wherein the authentication criteria comprises a partial match.
5. The system of claim 1 , further comprising an authentication response generator configured to generate an authentication message based on the match result.
6. The system of claim 5 , wherein the authentication message is indicative of positive authentication, the positive authentication being based on a partial match of a record from the one or more identification records with the user-supplied private data segment corresponding to the date of birth of the user.
7. The system of claim 5 , wherein the authentication message is indicative of positive authentication, the positive authentication being based on an exact match of a record from the one or more identification records with the user-supplied private data segment corresponding to the date of birth of the user.
8. The system of claim 5 , wherein the authentication message is indicative of a failed authentication.
9. The system of claim 8 , wherein the communications module is configured to automatically initiate an alternative identity verification procedure in response to the failed authentication.
10. The system of claim 9 , wherein the alternative identity verification procedure comprises initiating a telephone call to the billing telephone number.
11. The system of claim 1 , further including a billing number validation interface to obtain validation of a telephone line account associated with the billing telephone number as a valid payment method for the user.
12. The system of claim 1 , wherein:
the communications module is configured to receive the street address associated with the user and communicate the street address associated with the user to the private data processing module.
13. A computer-implemented method of verifying the identity of a user associated with a phone bill that can be used as a payment method, the method comprising:
receiving, at a network-based transaction facility, a billing telephone number and a user-supplied private data segment, the user-supplied private data segment corresponding to a date of birth of a user, wherein the billing telephone number indicates that a user has selected an associated phone bill as a payment method;
obtaining a street address associated with the user from an address service hosted by an address service system, using the received billing telephone number;
obtaining one or more identification records from a personal data matching service hosted by a personal data matching service system, utilizing the obtained street address; and
comparing, using one or more processors, the one or more identification records with the user-supplied private data segment corresponding to the date of birth of the user to generate a match result, the address service system and the personal data matching service system being third party computer systems.
14. The method of claim 13 , further comprising determining whether the match result corresponds to a positive authentication of the user.
15. The method of claim 14 , wherein the comparing of the one or more identification records with the user-supplied private data segment comprises identifying authentication criteria.
16. The method of claim 15 , wherein the authentication criteria comprises a partial match.
17. The method of claim 13 , further comprising generating an authentication message based on the match result.
18. The method of claim 17 , wherein the generating of the authentication message comprises generating an authentication message indicative of positive authentication, the positive authentication being based on a partial match of a record from the one or more identification records with the data segment corresponding to the date of birth of the user.
19. The method of claim 17 , wherein the generating of the authentication message comprises generating an authentication message indicative of positive authentication, the positive authentication being based on an exact match of a record from the one or more identification records with the user-supplied private data segment corresponding to the date of birth of the user.
20. The method of claim 17 , wherein the generating of the authentication message comprises generating an authentication message indicative of a failed authentication.
21. The method of claim 13 , further comprising obtaining validation of a telephone line account associated with the billing telephone number as a valid payment method for the user.
22. A machine-readable non-transitory storage medium having instruction data provided to verify the identity of a user associated with a phone bill that can be used as a payment method, wherein the instruction data is executable, by a machine to cause the machine to:
receive, at a verification computer system, a billing telephone number and a user-supplied private data segment, the user-supplied private data segment corresponding to a date of birth of a user, wherein the billing telephone number indicates that a user has selected an associated phone bill as a payment method;
obtain a street address associated with the user from an address service system, using the received billing telephone number
obtain one or more identification records from a personal data matching service system, utilizing the obtained street address; and
compare the one or more identification records with the user-supplied private data segment corresponding to the date of birth of the user to generate a match result, the address service system and the personal data matching service system being third party computer systems.