Systems and methods for providing secure electronic document storage, retrieval and use with electronic user identity verification
View Patent ↗Systems and methods for efficient and timely electronic new user authentication in a digital mailbox system using a sliding scale approach to include one or more identity authentication systems as appropriate for system security needs are provided. The system first obtains new user name and address data. Because the address is an important data point, the system first verifies the address before expending the resources of an identity data search. If the address is valid, the system calls an identity verification system and provides an identity quiz to the user based upon additional identity verification data. If the user passes the quiz, then a new account is setup and any other systems users having an account at that address are notified.
1. A computer system for processing user data relating to identity authentication over an electronic communications network for a user of a digital mailbox system comprising:
a processor operatively connected to a memory, the memory comprising instructions to cause the processor to execute instructions including,
obtaining a name and a current address from the user electronically using the communications network;
determining if the current address is a valid address utilizing an address validation system;
if the current address is determined to be invalid, then performing an error routine and halting the instructions,
if the current address is determined to be valid, then determining if the name and current address are associated with an existing account on the digital mailbox system, then
if the name and current address are associated with an existing account, then performing an existing account routine and halting the instructions,
if the name and current address are not associated with an existing account, then electronically sending the name and current address to an identity verification system and electronically receiving identity verification data.
2. The system of claim 1 , further comprising:
the processor to execute instructions including:
obtaining additional identity data from the user electronically using the communications network;
electronically sending the additional identity data to an identity verification system;
determining an identity confidence value based upon the received identity verification data; and
if the identity confidence value indicates no match, then performing an identity no match error routine and halting the instructions.
3. The system of claim 2 , further comprising:
the processor to execute instructions including:
if the identity confidence value indicates a partial match or a full match, then electronically presenting an identity quiz having a passing score requiring a first score if the partial match is indicated and a second score that is lower than the first score, if the full match is indicated.
4. The system of claim 3 , wherein,
the received identity verification data includes previous address data, and the quiz comprises at least a portion of the previous address data.
5. The system Of claim 3 , further comprising:
the processor to execute instructions;
if the passing score is indicated, sending a PIN to the user through a second electronic communications channel.
6. The system of claim 5 , wherein,
the second communications channel is a cellular telephone channel.
7. The system of claim 5 , further comprising:
the processor to execute instructions including:
requesting the PIN from the user, and if the PIN is received from the user, then creating a digital mailbox account for the user.
8. The system of claim 7 , further comprising:
the processor to execute instructions including:
determining if a second user has a digital mailbox associated with the current address, and if the second user has a digital mailbox associated with the current address, then notifying the second user that another digital mailbox has been created that is associated with the current address.
9. The system of claim 1 , wherein,
the existing account routine includes notifying the existing account that a new account request was received.
10. A computer implemented method for processing user data relating to identity authentication over an electronic communications network for a user of a digital mailbox system comprising:
obtaining a name and a current address from the user electronically using the communications network;
determining if the current address is a valid address utilizing an address validation system;
if the current address is determined to he invalid, then performing an error routine and halting the instructions,
if the current address is determined to be valid, then determining if the name and current address are associated with an existing account on the digital mailbox system, then
if the name and current address are associated with an existing account, then performing an existing account routine and halting the instructions,
if the name and current address are not associated with an existing account, then electronically sending the name and current address to an identity verification system and electronically receiving identity verification data.
11. The method of claim 10 , further comprising:
obtaining additional identity data from the user electronically using the communications network;
electronically sending the additional identity data to an identity verification system;
determining an identity confidence value based upon the received identity verification data; and
if the identity confidence value indicates no match, then performing an identity no match error routine and hafting the instructions.
12. The method of claim 11 , further comprising:
if the identity confidence value indicates a partial match or a full match, then electronically presenting an identity quiz having a passing score requiring a first score if the partial match is indicated and a second score that is lower than the first score, if the full match is indicated.
13. The method of claim 12 , wherein,
the received identity verification data includes previous address data, and the quiz comprises at least a portion of the previous address data.
14. The method of claim 12 , further comprising:
if the passing score is indicated, sending a PIN to the user through a second electronic communications channel.
15. The method of claim 14 , wherein,
the second communications channel is a cellular telephone channel.
16. The method of claim 14 , further comprising:
requesting the PIN from the user, and if the PIN is received from the user, then creating a digital mailbox account for the user.
17. The method of claim 16 , further comprising:
determining if a second user has a digital mailbox associated with the current address, and if the second user has a digital mailbox associated with the current address, then notifying the second user that another digital mailbox has been created that is associated with the current address.
18. The method of claim 10 , wherein,
the existing account routine includes notifying the existing account that a new account request was received.