System for verifying the identity of a user

1. A method comprising:

receiving, by a computer processor, image data from an electronic source comprising:

i) a facial image of a user, and

ii) an identity document, comprising a photograph of the user;

calculating, by the computer processor, a facial match score by comparing a plurality of first facial features extracted from the facial image to a plurality of second facial features extracted from the photograph;

recognizing, by the computer processor, at least one data object and at least one character in the identity document to identify a type of the identity document;

determining, by the computer processor, a document validity score based on:

i) the at least one data object, and

ii) the at least one recognized character;

determining, by the computer processor, an identity verification status of the user based on:

i) the facial match score, and

ii) the document validity score;

and

outputting, by the computer processor, the identity verification status so as to verify the identify of the user with a user request;

wherein outputting the identity verification status comprises prompting the user to submit an additional image including another live facial image of the user holding the identity document in response to determining that the facial match score is below the facial match threshold.

2. The method of claim 1 , wherein calculating the facial match score comprises:

extracting a first set of facial features from the live facial image;

extracting a second set of facial features from the photograph;

comparing, using a facial recognition algorithm, the first set of facial features to the second set of facial features; and

calculating the facial match score as a percentage of facial features in common between the live facial image and the photograph.

3. The method of claim 1 , wherein:

outputting the identity verification status comprises presenting, on a display device, the identity verification status; and

the identity verification status indicates that the identity of the user is verified in response to determining that:

the facial match score exceeds the facial match threshold; and

the document validity score exceeds the document validity threshold.

4. The method of claim 1 , wherein calculating the document validity score comprises:

comparing the recognized data objects to a watermark security feature present in the identified type of the identity document.

5. The method of claim 1 , further comprising:

extracting, based on comparing the recognized characters to characteristics present in the identified type of the identity document, one or more secondary characteristics of the user from the image; and

comparing the one or more secondary characteristics to the facial features in the live facial image and the facial features in the photograph.

6. The method of claim 5 , wherein the characteristics present in the identified type of the identity document include one or more of: hair color; eye color; gender, weight; height; date of birth; and ethnicity.

7. The method of claim 5 , wherein determining the identity verification status of the user is further based on:

comparing the one or more secondary characteristics to user profile data for the user retrieved from a data store.

8. The method of claim 1 , wherein outputting the identity verification status comprises prompting the user to submit an additional image including another live facial image of the user holding another identity document in response to determining that the document validity score is below the document validity threshold.

9. The method of claim 1 , wherein the recognized data objects include one or more of: a watermark; a hologram; a bar code; a serial number; a thumbnail version of the photograph; a negative image of the photograph; and a Quick Response (QR) code.

10. The method of claim 1 , wherein determining the identity verification status of the user is further based on comparing the recognized data objects to user profile data for the user retrieved from a data store.

11. A method comprising:

receiving an image, the image including a live facial image of the user and an identity document that includes a photograph of the user;

receiving, by a computer processor, image data from an electronic source comprising:

i) a facial image of a user, and

ii) an identity document, comprising a photograph of the user;

calculating, by the computer processor, a facial match score by comparing a plurality of first facial features extracted from the facial image to a plurality of second facial features extracted from the photograph;

recognizing, by the computer processor, at least one data object and at least one character in the identity document to identify a type of the identity document;

determining, by the computer processor, a document validity score based on:

i) the at least one data object,

ii) the at least one recognized character,

iii) at least one known data object that is known to be present in the identified type of the identity document, and

iv) at least one known character that is known to be present in the identified type of the identity document; and

determining, by the computer processor, an identity verification status of the user based on:

i) a weighted combination of the facial match score and the document validity score, and

ii) a predetermined threshold value; and

outputting the identity verification status, wherein outputting the identity verification status comprises prompting the user to submit an additional image including another live facial image of the user holding the identity document in response to determining that the facial match score is below the facial match threshold.

12. The method of claim 11 , wherein calculating the facial match score comprises:

extracting a first set of facial features from the live facial image;

extracting a second set of facial features from the photograph;

comparing, using a facial recognition algorithm, the first set of facial features to the second set of facial features; and

calculating the facial match score as a percentage of facial features in common between the live facial image and the photograph.

13. The method of claim 11 , wherein:

outputting the identity verification status comprises presenting, on a display device, the identity verification status; and

the identity verification status indicates that the identity of the user is verified in response to determining that:

the facial match score exceeds the facial match threshold; and

the document validity score exceeds the document validity threshold.

14. The method of claim 11 , wherein calculating the document validity score comprises:

comparing the recognized data objects to a watermark security feature present in the identified type of the identity document.

15. The method of claim 11 , further comprising:

extracting, based on comparing the recognized characters to characteristics present in the identified type of the identity document, one or more secondary characteristics of the user from the image; and

comparing the one or more secondary characteristics to the facial features in the live facial image and the facial features in the photograph.

16. The method of claim 15 , wherein the characteristics present in the identified type of the identity document include one or more of: hair color; eye color; gender, weight; height; date of birth; and ethnicity.

17. The method of claim 15 , wherein determining the identity verification status of the user is further based on:

comparing the one or more secondary characteristics to user profile data for the user retrieved from a data store.

18. The method of claim 11 , wherein receiving the image comprises receiving the image from a camera, the image including the user holding the identity document that includes the photograph of the user.

19. The method of claim 18 , wherein the camera is part of a mobile device.

20. The method of claim 11 , wherein outputting the identity verification status further comprises prompting the user to submit another additional image including another live facial image of the user holding another identity document in response to determining that the document validity score is below the document validity threshold.

21. The method of claim 11 , wherein the recognized data objects include one or more of: a watermark; a hologram; a bar code; a serial number; a thumbnail version of the photograph; a negative image of the photograph; and a Quick Response (QR) code.

22. The method of claim 11 , wherein determining the identity verification status of the user is further based on comparing the recognized data objects to user profile data for the user retrieved from a data store.

23. A method comprising:

receiving an image, the image including a live facial image of the user and an identity document that includes a photograph of the user;

receiving, by a computer processor, image data from an electronic source comprising:

i) a facial image of a user, and

ii) an identity document, comprising a photograph of the user;

calculating, by the computer processor, a facial match score by comparing a plurality of first facial features extracted from the facial image to a plurality of second facial features extracted from the photograph;

recognizing, by the computer processor, at least one data object and at least one character in the identity document to identify a type of the identity document;

determining, by the computer processor, a document validity score based on:

i) the at least one data object,

ii) the at least one recognized character,

iii) at least one known data object that is known to be present in the identified type of the identity document, and

iv) at least one known character that is known to be present in the identified type of the identity document; and

determining, by the computer processor, an identity verification status of the user based on:

i) a weighted combination of the facial match score and the document validity score, and

ii) a predetermined threshold value; and

outputting the identity verification status, wherein outputting the identity verification status comprises prompting the user to submit an additional image including another live facial image of the user holding another identity document in response to determining that the document validity score is below the document validity threshold.

24. The method of claim 23 , wherein calculating the facial match score comprises:

extracting a first set of facial features from the live facial image;

extracting a second set of facial features from the photograph;

comparing, using a facial recognition algorithm, the first set of facial features to the second set of facial features; and

calculating the facial match score as a percentage of facial features in common between the live facial image and the photograph.

25. The method of claim 23 , wherein:

outputting the identity verification status comprises presenting, on a display device, the identity verification status; and

the identity verification status indicates that the identity of the user is verified in response to determining that:

the facial match score exceeds the facial match threshold; and

the document validity score exceeds the document validity threshold.

26. The method of claim 23 , wherein the identity verification status indicates that an identity of the user is not verified in response to determining that a weighted combination of the facial match score and the document validity score is less than or equal to a weighted combination of the facial match threshold and the document validity threshold.

27. The method of claim 23 , wherein calculating the document validity score comprises:

comparing the recognized data objects to a watermark security feature present in the identified type of the identity document.

28. The method of claim 23 , further comprising:

extracting, based on comparing the recognized characters to characteristics present in the identified type of the identity document, one or more secondary characteristics of the user from the image; and

comparing the one or more secondary characteristics to the facial features in the live facial image and the facial features in the photograph.

29. The method of claim 28 , wherein the characteristics present in the identified type of the identity document include one or more of: hair color; eye color; gender, weight; height;

date of birth; and ethnicity.

30. The method of claim 28 , wherein determining the identity verification status of the user is further based on:

comparing the one or more secondary characteristics to user profile data for the user retrieved from a data store.

31. The method of claim 23 , wherein receiving the image comprises receiving the image from a camera, the image including the user holding the identity document that includes the photograph of the user.

32. The method of claim 31 , wherein the camera is part of a mobile device.

33. The method of claim 23 , wherein the recognized data objects include one or more of: a watermark; a hologram; a bar code; a serial number; a thumbnail version of the photograph; a negative image of the photograph; and a Quick Response (QR) code.

34. The method of claim 23 , wherein determining the identity verification status of the user is further based on comparing the recognized data objects to user profile data for the user retrieved from a data store.