System and method for distributed on-line transactions utilizing a clearing house
Methods, apparatuses and systems are defined for the use of a clearinghouse device in conjunction with remote online signature validation for signature validated or notarized electronic documents. The clearinghouse applies machine learning techniques to generate one or more verification and validation scores associated with signature validation using identification elements and information supplied by a signatory of the electronic document. The verification and validation scores are used to confirm proper execution of the signature validation and generate an electronic signature validation or notarization on the electronic documents.
1. A method for performing a distributed online transaction in a clearinghouse device, the method comprising:
establishing a secure connection over a communication network between a network interface in a clearinghouse device and (i) a network interface in a user device and (ii) a network interface in a signature authorizing agent device based on a request from the user device, the secure connection used for signature validation of an electronic file representing a document as part of a signature validated transaction associated with a user;
generating, by a processor in the clearinghouse device, a first random set of user identification elements to be provided from a plurality of user identification elements available, the first random set of user identification elements including an identification image and at least one additional identification attribute, the identification image including at least one jurisdiction attribute;
receiving, from the user device over the secure connection, information for the first random set of user identification elements at the network interface in the clearinghouse device;
applying, using the processor in the clearinghouse device, at least one machine learning technique to generate a first identity attribute verification score comparing the information related to the first random set of user identification elements to available data stored in a database, the at least one machine learning technique including generating an identification credential metric, including a jurisdiction metric using a location associated with the requested signature validation transaction and the at least one jurisdiction attribute, as part of the first identity attribute verification score, the jurisdiction metric determined by applying at least one machine learning technique to generate a jurisdiction verification metric using a training model associated with a jurisdiction attribute identified from the identification image;
applying, using the processor in the clearinghouse device, the at least one machine learning technique to generate a second random subset of user identification elements and generating a second identity attribute verification score if the identification credential metric is below a first predetermined threshold in a credentials database;
providing, through the network interface in the clearinghouse device, one of the first identity attribute verification score and the second identity attribute verification score to the signature authorizing agent device;
applying, using the processor in the clearinghouse device, at least one machine learning technique to generate a legal compliance score for the signature validated transaction using at least one of a signature authorization certificate and a notarial seal which is associated with a jurisdiction of the signature authorizing agent and providing the legal compliance score to the signature authorizing agent device;
applying, using the processor in the clearinghouse device, at least one machine learning technique to generate a venue validity score by applying at least one machine learning technique to generate a venue verification metric using a training model associated with the location of the signature authorized transaction and a database of venues and providing the venue validity score to the signature authorizing agent device over the secure connection; and
amending the electronic file representing the document by attaching an electronic signature validation to the electronic file using the processor in the clearinghouse device if (i) the identification credential metric is above the first predetermined threshold, (ii) the legal compliance score is above a second predetermined threshold, and (iii), the venue validity score is above a third predetermined threshold, the electronic signature validation associated with the signature authorizing agent for the signature validated transaction;
the training model for the at least one machine learning technique updated based on an evaluation of at least one of the first random set of user identification elements and the second random set of user identification elements.
2. The method of claim 1 , wherein the signature authorizing agent for the signature validated transaction is at least one of a notary public, a required witness of a document, and a government official having responsibility for certification of a document.
3. The method of claim 1 , wherein the identification image includes at least one of a driver's license, a government issued identification card, and a passport.
4. The method of claim 1 , wherein the identification credential metric is generated using a training model associated with at least one credential attribute from the identification image, the at least one credential attribute including at least one of a jurisdiction of issue, an address for the cardholder, a birthdate for the cardholder, an identification number, an expiration date, a hologram, and a cardholder photo.
5. The method of claim 1 , wherein the applying at least one machine learning technique to generate a first identity verification score further includes generating an identity validation metric using a training model associated with the identification image and a series of answers provided from the user device to questions that are generated as part of the at least one machine learning technique to generate the identity verification score.
6. The method of claim 1 , further comprising establishing a secure connection over a communication network between the clearinghouse device and the credentials database.
7. The method of claim 1 , wherein the first random set of user identification elements and the second random set of user identification elements are determined using a pseudo-random computer selection process.
8. An apparatus configured as a clearinghouse device, the apparatus comprising:
a network interface that is configured to establish a secure connection over a communication network with a user device and with a signature authorizing agent device based on a request from a user device, the secure connection used for signature validation of an electronic file representing a document as part of a signature validated transaction associated with a user;
a processor coupled to the network interface, the processor generating a first random set of user identification elements to be provided from a plurality of user identification elements available, the first random set of user identification elements including an identification image and at least one additional identification attribute, the identification image including at least one jurisdiction attribute; the processor receiving from the user device over the secure connection, information for the first random set of identification elements; and
an artificial intelligence engine that applies at least one machine learning technique to generate a first identity attribute verification score comparing the information related to the first random set of user identification elements to available data stored in a database, the at least one machine learning technique including generating an identification credential metric, including a jurisdiction metric using a location associated with the requested signature validation transaction and the at least one jurisdiction attribute, as part of the first identity attribute verification score, the jurisdiction metric determined by applying at least one machine learning technique in the artificial intelligence engine to generate a jurisdiction verification metric using a training model associated with a jurisdiction attribute identified from the identification image, the artificial intelligence engine further applying the at least one machine learning technique to generate a second random subset of user identification elements and generating a second identity attribute verification score if the identification credential metric is below a first predetermined threshold in a credentials database, the artificial intelligence engine further applying at least one machine learning technique to generate a legal compliance score for the signature validated transaction using at least one of a signature authorization certificate and a notarial seal which is associated with a jurisdiction of the signature authorizing agent and applying at least one machine learning technique to generate a venue validity score, the at least one machine learning technique including generating a venue verification metric using a training model associated with the location of the signature authorized transaction and a database of venues;
the processor further providing the legal compliance score, the venue validity score, and one of the first identity attribute verification score and the second identity attribute verification score to the network interface for communication to the signature authorizing agent device over the secure connection and amends the electronic file representing the document by attaching an electronic signature validation to the electronic file if (i) the identification credential metric is above the first predetermined threshold, (ii) the legal compliance score is above a second predetermined threshold, and (iii), the venue validity score is above a third predetermined threshold, the electronic signature validation associated with the signature authorizing agent for the signature validated transaction;
the training model for the at least one machine learning technique updated based on an evaluation of at least one of the first random set of user identification elements and the second random set of user identification elements.
9. The apparatus of claim 8 , wherein the identification credential metric is generated using a training model associated with at least one credential attribute from the identification image, the at least one credential attribute including at least one of a jurisdiction of issue, an address for the cardholder, a birthdate for the cardholder, an identification number, an expiration date, a hologram, and a cardholder photo.
10. The apparatus of claim 8 , wherein the artificial intelligence engine applies the at least one machine learning technique to generate an identity attribute verification score using a training model associated with the identification image and a series of answers provided from the user device to questions that are generated as part of the at least one machine learning technique to generate the identity verification score.
11. A system comprising:
an end user device that includes a network interface and a processor for facilitating a signature authorization request for a signature validated transaction;
a signature authorization agent device that includes a network interface and a processor for facilitating a signature authorization activity for the signature validated transaction; and
a clearinghouse device that includes a network interface, a processor, and an artificial intelligence engine, the clearinghouse device configured to:
establish a secure connection over a communication network with a user device and with a signature authorizing agent device based on a request from the user device, the secure connection used for signature validation of an electronic file representing a document as part of a signature validated transaction associated with a user;
generate a first random set of user identification elements to be provided from a plurality of user identification elements available, the first random set of user identification elements including an identification image and at least one additional identification attribute, the identification image including at least one jurisdiction attribute;
receive, from the user device over the secure connection, information for the first random set of user identification elements;
apply at least one machine learning technique to generate a first identity attribute verification score comparing the information related to the first random set of user identification elements to available data stored in a database, the at least one machine learning technique including generating an identification credential metric, including a jurisdiction metric using a location associated with the requested signature validation transaction and the at least one jurisdiction attribute, as part of the first identity attribute verification score, the jurisdiction metric determined by applying at least one machine learning technique to generate a jurisdiction verification metric using a training model associated with a jurisdiction attribute identified from the identification image;
apply the at least one machine learning technique to generate a second random subset of user identification elements and generating a second identity attribute verification score if the identification credential metric is below a first predetermined threshold in a credentials database
apply at least one machine learning technique, using the processor in the clearinghouse device, to generate a legal compliance score for the signature validated transaction using at least one of a signature authorization certificate and a notarial seal which is associated with a jurisdiction of the signature authorizing agent and providing the legal compliance score to the signature authorizing agent device;
apply at least one machine learning technique, using the processor in the clearinghouse device, to generate a venue validity score by applying at least one machine learning technique to generate a venue verification metric using a training model associated with the location of the signature authorized transaction and a database of venues and providing the venue validity score to the signature authorizing agent device over the secure connection;
provide one of the first identity attribute verification score and the second identity attribute verification score to the signature authorizing agent device over the secure connection; and
amend the electronic file representing the document by attaching an electronic signature validation to the electronic file if (i) the identification credential metric is above the first predetermined threshold in the credentials database, (ii) the legal compliance score is above a second predetermined threshold, and (iii), the venue validity score is above a third predetermined threshold, the electronic signature validation associated with the signature authorizing agent for the signature validated transaction;
the training model for the at least one machine learning technique updated based on an evaluation of at least one of the first random set of user identification elements and the second random set of user identification elements.
12. A non-transitory computer readable medium carrying instructions in the form of program code that, when executed on one or more processors:
establishes secure connection over a communication network between a clearinghouse device and (i) a user device and (ii) a signature authorizing agent device based on a request from the user device, the secure connection used for signature validation of an electronic file representing a document as part of a signature validated transaction associated with a user;
generates a first random set of user identification elements to be provided from a plurality of user identification elements available, the first random set of user identification elements including an identification image and at least one additional identification attribute, the identification image including at least one jurisdiction attribute;
receives, from the user device over the secure connection, information for the first random set of user identification elements;
applies at least one machine learning technique to generate a first identity attribute verification score comparing the information related to the first random set of user identification elements to available data stored in a database, the at least one machine learning technique including generating an identification credential metric, including a jurisdiction metric using a location associated with the requested signature validation transaction and the at least one jurisdiction attribute, as part of the first identity verification score, the jurisdiction metric determined by applying at least one machine learning technique to generate a jurisdiction verification metric using a training model associated with a jurisdiction attribute identified from the identification image;
applies the at least one machine learning technique to generate a second random set of user identification elements and generating a second identity attribute verification score if the identification credential metric is below a first predetermined threshold in a credentials database;
applies at least one machine learning technique to generate a legal compliance score for the signature validated transaction using at least one of a signature authorization certificate and a notarial seal which is associated with a jurisdiction of the signature authorizing agent and providing the legal compliance score to the signature authorizing agent device:
applies at least one machine learning technique to generate a venue validity score by applying at least one machine learning technique to generate a venue verification metric using a training model associated with the location of the signature authorized transaction and a database of venues and providing the venue validity score to the signature authorizing agent device over the secure connection; and
provides one of the first identity attribute verification score and the second identity attribute verification score to the signature authorizing agent device over the secure connection; and
amends the electronic file representing the document by attaching an electronic signature validation to the electronic file if (i) the identification credential metric is above a first predetermined threshold in the credential database, (ii) the legal compliance score is above a second predetermined threshold, and (iii), the venue validity score is above a third predetermined threshold, the electronic signature validation association with the signature authorizing agent for the signature validated transaction;
the training model for the at least one machine learning technique updated based on an evaluation of at least one of the first random set of user identification elements and the second random set of user identification elements.