Systems for identity validation and association
The present disclosure describes a computer-implemented platform for managing electronic endorsable instruments and electronic endorser verification information in order to validate endorser identity. A computer system receives an endorsable electronic instrument and a mobile phone number associated with a targeted potential endorser. The endorsable electronic instrument and a verification information request are sent to the mobile phone number by sending a link to an endorsement application via a message to the mobile phone number. The endorsed electronic instrument and corresponding verification information are received and are associated to validate the endorsed instrument.
1. A computer system, comprising:
one or more processors; and
memory having stored thereon computer-executable instructions that are executable by the one or more processors to configure the computer system to perform at least the following:
receive an endorsable electronic instrument from an endorsement requesting party;
receive a mobile phone number associated with a targeted endorser;
generate a link to an endorsement application at which the endorsable electronic instrument is accessible to the targeted endorser, wherein the generated link is associated with a time limit after which the generated link is no longer active;
send the generated link and a verification information request in one or more messages targeted to the mobile phone number associated with the targeted endorser, the verification information request including a request for imagery of the targeted endorser;
receive an endorsed electronic instrument and electronic verification information at the endorsement application, the electronic verification information including imagery data and including a time stamp indicating when the imagery data was captured,
wherein the received imagery data is validated at least according to,
whether the time stamp is sufficiently recent based on a time or time period, and
whether the imagery data sufficiently matches expected imagery data based on performing a facial recognition algorithm on the received imagery data, the facial recognition algorithm comparing facial information identified in the received imagery data with facial information identified in one or more images obtained from social media.
2. The computer system of claim 1 , wherein the verification information request includes a request for an image of the endorser according to a particular pose, and wherein validating the received imagery data comprises performing an image recognition algorithm on the received imagery data to recognize the particular pose.
3. The computer system of claim 1 , wherein the verification information request includes a request for video of the targeted endorser performing a particular gesture, and wherein validating the received imagery data comprises performing an image recognition algorithm on the received imagery data to recognize the particular gesture.
4. The computer system of claim 1 , wherein validating whether the time stamp is sufficiently recent based on a time or time period is used to prevent reuse of image data.
5. The computer system of claim 1 , wherein the verification information request includes a request for an image of a particular alphanumeric code, and wherein validating the received imagery data comprises performing an image recognition algorithm on the received imagery data to recognize the particular alphanumeric code.
6. The computer system of claim 1 , wherein the verification information request additionally includes a request for entry of a biometric indicator.
7. The computer system of claim 6 , wherein the request for entry of the biometric indicator includes a request for a fingerprint.
8. The computer system of claim 1 , wherein the verification information request additionally includes a request for a voice recording.
9. The computer system of claim 1 , wherein the one or more messages targeted to the mobile phone number associated with the targeted endorser include at least one SMS message or at least one MMS message.
10. A method implemented at a computer system that includes one or more processors, the method comprising:
receiving an endorsable electronic instrument from an endorsement requesting party;
receiving a mobile phone number associated with a targeted endorser;
generating a link to an endorsement application at which the endorsable electronic instrument is accessible to the targeted endorser, wherein the generated link is associated with a time limit after which the generated link is no longer active;
sending the generated link and a verification information request in one or more messages targeted to the mobile phone number associated with the targeted endorser, the verification information request including a request for imagery of the targeted endorser;
receiving an endorsed electronic instrument and electronic verification information at the endorsement application, the electronic verification information including imagery data and including a time stamp indicating when the imagery data was captured,
wherein the received imagery data is validated at least according to,
whether the time stamp is sufficiently recent based on a time or time period, and
whether the imagery data sufficiently matches expected imagery data based on performing a facial recognition algorithm on the received imagery data, the facial recognition algorithm comparing facial information identified in the received imagery data with facial information identified in one or more images obtained from social media.
11. The method of claim 10 , wherein the verification information request includes a request for an image of the endorser according to a particular pose, and wherein validating the received imagery data comprises performing an image recognition algorithm on the received imagery data to recognize the particular pose.
12. The method of claim 10 , wherein the verification information request includes a request for video of the targeted endorser performing a particular gesture, and wherein validating the received imagery data comprises performing an image recognition algorithm on the received imagery data to recognize the particular gesture.
13. The method of claim 10 , wherein validating whether the time stamp is sufficiently recent based on a time or time period is used to prevent reuse of image data.
14. The method of claim 10 , wherein the verification information request includes a request for an image of a particular alphanumeric code, and wherein validating the received imagery data comprises performing an image recognition algorithm on the received imagery data to recognize the particular alphanumeric code.
15. The computer system of claim 10 , wherein the one or more messages targeted to the mobile phone number associated with the targeted endorser include at least one SMS message or at least one MMS message.
16. A computer program product comprising one or more hardware storage devices having stored thereon computer-executable instructions that are executable by one or more processors to configure a computer system to perform at least the following:
receive an endorsable electronic instrument from an endorsement requesting party;
receive a mobile phone number associated with a targeted endorser;
generate a link to an endorsement application at which the endorsable electronic instrument is accessible to the targeted endorser, wherein the generated link is associated with a time limit after which the generated link is no longer active;
send the generated link and a verification information request in one or more messages targeted to the mobile phone number associated with the targeted endorser, the verification information request including a request for imagery of the targeted endorser;
receive an endorsed electronic instrument and electronic verification information at the endorsement application, the electronic verification information including imagery data and including a time stamp indicating when the imagery data was captured,
wherein the received imagery data is validated at least according to,
whether the time stamp is sufficiently recent based on a time or time period, and
whether the imagery data sufficiently matches expected imagery data based on performing a facial recognition algorithm on the received imagery data, the facial recognition algorithm comparing facial information identified in the received imagery data with facial information identified in one or more images obtained from social media.