Triage engine for document authentication

1. A computer-implemented method, performed at a server system including one or more processors and memory storing one or more programs for execution by the one or more processors, comprising:

receiving an authentication request that includes an image of an identification document;

determining a risk value for the authentication request using one or more information factors that correspond to the authentication request;

displaying, by a display of a validation device, a validation user interface that includes the image of the identification document;

determining, using at least a first risk threshold, that the risk value corresponds to a risk category of a plurality of risk categories, wherein the plurality of risk categories includes a low risk category, a medium risk category, and a high risk category;

in accordance with a determination that the risk value corresponds to the medium risk category, displaying, in the validation user interface, a visual indication that corresponds to the medium risk category concurrently with a first set of review affordances associated with the medium risk category that allow a user of the validation device to validate the identification document; and

in accordance with a determination that the risk value corresponds to the high risk category, displaying, in the validation user interface, a visual indication that corresponds to the high risk category concurrently with a second set of review affordances associated with the high risk category, distinct from the first set of review affordances associated with the medium risk category, that allow the user of the validation device to validate the identification document.

2. The method of claim 1 , wherein the one or more information factors that correspond to the authentication request include at least one of:

information that identifies a location in which the authentication request originated,

information that identifies a requester,

a document type that corresponds to the identification document, or

a channel via which the authentication request was received.

3. The method of claim 1 , including:

analyzing a first set of authentication requests; and

determining, based on the analyzed first set of authentication requests, whether to adjust at least one weight applied to a respective information factor of the one or more information factors.

4. The method of claim 3 , including:

analyzing a second set of authentication requests; and

adjusting the first risk threshold based on the analyzed first set of authentication requests.

5. The method of claim 1 , wherein:

the risk category that corresponds to the risk value is determined using a second risk threshold in addition to the first risk threshold;

the low risk category corresponds to a risk value below the first risk threshold;

the medium risk category corresponds to a risk value between the first risk threshold and the second risk threshold; and

the high risk category corresponds to a risk value above the second risk threshold.

6. The method of claim 1 , wherein:

the risk category that corresponds to the risk value is determined using a minimum risk threshold in addition to the first risk threshold;

a minimum risk category corresponds to a risk value below the minimum risk threshold; and

in accordance with a determination that the risk value corresponds to the minimum risk category, forgoing displaying, by the display of the validation device, the validation user interface; and

transmitting authentication confirmation information.

7. The method of claim 1 , wherein displaying the visual indication includes displaying an indicator overlaying the validation user interface.

8. The method of claim 1 , including, in accordance with the determination that the risk value corresponds to the medium risk category, increasing a time allotment for evaluation of the authentication request.

9. The method of claim 8 , wherein the visual indication includes the time allotment.

10. The method of claim 1 , including:

analyzing the image of the identification document; and

determining, based on the analysis of the image of the identification document, at least one risk feature; and

displaying, by the display of the validation device, a risk feature indication that corresponds to the at least one risk feature.

11. The method of claim 10 , wherein the risk feature indication includes a visual alteration of the image of the identification document.

12. The method of claim 10 , wherein:

analyzing the image of the identification document includes detecting text in the image of the identification document; and

the risk feature indication includes an alteration of the text detected in the image of the identification document.

13. A server system comprising:

one or more processors; and

memory storing one or more programs for execution by the one or more processors, comprising instructions for:

receiving an authentication request that includes an image of an identification document;

determining a risk value for the authentication request using one or more information factors that correspond to the authentication request;

displaying, by a display of a validation device, a validation user interface that includes the image of the identification document;

determining, using at least a first risk threshold, that the risk value corresponds to a risk category of a plurality of risk categories, wherein the plurality of risk categories includes a low risk category, a medium risk category, and a high risk category;

in accordance with a determination that the risk value corresponds to the medium risk category, displaying, in the validation user interface, a visual indication that corresponds to the medium risk category concurrently with a first set of review affordances associated with the medium risk category that allow a user of the validation device to validate the identification document; and

in accordance with a determination that the risk value corresponds to the high risk category, displaying, in the validation user interface, a visual indication that corresponds to the high risk category concurrently with a second set of review affordances associated with the high risk category, distinct from the first set of review affordances associated with the medium risk category, that allow the user of the validation device to validate the identification document.

14. The server system of claim 13 , wherein the one or more information factors that correspond to the authentication request include at least one of:

information that identifies a location in which the authentication request originated,

information that identifies a requester,

a document type that corresponds to the identification document, or

a channel via which the authentication request was received.

15. The server system of claim 13 , wherein the one or more programs further comprise instructions for:

analyzing a first set of authentication requests; and

determining, based on the analyzed first set of authentication requests, whether to adjust at least one weight applied to a respective information factor of the one or more information factors.

16. A non-transitory computer-readable storage medium storing instructions that, when executed by a server system with one or more processors, cause the server system to perform a set of operations, comprising:

receiving an authentication request that includes an image of an identification document;

determining a risk value for the authentication request using one or more information factors that correspond to the authentication request;

displaying, by a display of a validation device, a validation user interface that includes the image of the identification document;

determining, using at least a first risk threshold, that the risk value corresponds to a risk category of a plurality of risk categories, wherein the plurality of risk categories includes a low risk category, a medium risk category, and a high risk category;

in accordance with a determination that the risk value corresponds to the medium risk category, displaying, in the validation user interface, a visual indication that corresponds to the medium risk category concurrently with a first set of review affordances associated with the medium risk category that allow a user of the validation device to validate the identification document; and

in accordance with a determination that the risk value corresponds to the high risk category, displaying, in the validation user interface, a visual indication that corresponds to the high risk category concurrently with a second set of review affordances associated with the high risk category, distinct from the first set of review affordances associated with the medium risk category, that allow the user of the validation device to validate the identification document.

17. The non-transitory computer-readable storage medium of claim 16 , wherein the one or more information factors that correspond to the authentication request include at least one of:

information that identifies a location in which the authentication request originated,

information that identifies a requester,

a document type that corresponds to the identification document, or

a channel via which the authentication request was received.

18. The non-transitory computer-readable storage medium of claim 16 , wherein the non-transitory computer-readable storage medium further comprises instructions for:

analyzing a first set of authentication requests; and

determining, based on the analyzed first set of authentication requests, whether to adjust at least one weight applied to a respective information factor of the one or more information factors.