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 a web-based application via SMS/MMS message. 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;
associate the mobile phone number with the endorsable electronic instrument;
generate a link to a web-based application in which the endorsable electronic instrument is accessible to the targeted endorser;
send the generated link and an associated verification information request to the targeted endorser in the form of an SMS/MMS message using the mobile phone number associated with the targeted endorser, the verification information request including a request for imagery of the targeted endorser according to a particular pose or gesture;
receive an endorsed electronic instrument and electronic verification information through the web-based application, the electronic verification information including imagery data and including a time stamp indicating when the imagery data was captured,
wherein the imagery data is validated according to both,
whether the timestamp is sufficiently recent based on a predetermined time period, and
whether the imagery data corresponds to the particular pose or gesture required by the verification information request.
2. The computer system of claim 1 , wherein the computer-executable instructions further configure the computer system to send the validated endorsed instrument to the endorsement requesting party.
3. The computer system of claim 2 , wherein the validated endorsed instrument is sent to the endorsement requesting party as part of an endorsement notification, the endorsement notification including a hash code associated with the endorsable electronic instrument and electronic verification information.
4. The computer system of claim 1 , wherein the verification information request includes a request for a photograph of the endorser according to a particular pose.
5. The computer system of claim 1 , wherein the verification information request includes a request for video of the endorser performing a particular gesture.
6. The computer system of claim 1 , wherein the computer-executable instructions further configure the computer system to receive, from the endorsement requesting party, imagery data associated with the targeted endorser and to compare the imagery data received from the endorsement requesting party with the imagery data of the electronic verification information as received through the web-based application.
7. The computer system of claim 1 , wherein the verification information request additionally includes a request for entry of a particular alphanumeric code.
8. The computer system of claim 1 , wherein the verification information request additionally includes a request for entry of a biometric indicator.
9. The computer system of claim 8 , wherein the request for entry of a biometric indicator includes a request for a reading of a thumbprint or fingerprint.
10. The computer system of claim 1 , wherein the verification information request additionally includes a request for a voice recording.
11. The computer system of claim 1 , wherein the computer-executable instructions further configure the computer system to monitor endorsement requests and assign an appropriate status to each request.
12. The computer system of claim 11 , wherein the computer-executable instructions further configure the computer system to generate a monitoring interface showing monitored endorsement requests and corresponding status of each monitored endorsement request.
13. The computer system of claim 12 , wherein the monitoring interface includes, for each endorsement request, a selectable object providing access to the endorsable electronic instrument.
14. The computer system of claim 12 , wherein the monitoring interface includes, for each endorsement request for which the associated targeted endorser has provided imagery data in response to the verification information request, a selectable object providing access to the received imagery data.
15. The computer system of claim 12 , wherein the status of each of the monitored endorsement request is selected from the group consisting of pending, signed, expired, failed, or cancelled.
16. The computer system of claim 1 , wherein the generated link is associated with a time limit after which the generated link is no longer active.
17. A computer-implemented method for integrating centralized communication of endorsable electronic instruments and endorser verification information in a computer-implemented identity validation platform, the method comprising:
receiving an endorsable electronic instrument from an endorsement requesting party;
receiving a mobile phone number associated with a targeted endorser;
associating the mobile phone number with the endorsable electronic instrument;
generating a link to a web-based application in which the endorsable electronic instrument is accessible to the targeted endorser;
sending the generated link and an associated verification information request to the targeted endorser in the form of an SMS/MMS message using the mobile phone number associated with the targeted endorser, the verification information request including a request for imagery of the targeted endorser according to a particular pose or gesture;
receiving an endorsed electronic instrument and electronic verification information through the web-based application, the electronic verification information including imagery data and including a time stamp indicating when the imagery data was captured,
wherein the imagery data is validated according to both,
whether the timestamp is sufficiently recent based on a predetermined time period, and
whether the imagery data corresponds to the particular pose or gesture required by the verification information request.
18. The computer-implemented method of claim 17 , wherein the verification information request including a request for a photograph of the targeted endorser holding up a particular number of fingers.
19. A computer program product comprising one or more hardware storage devices having stored thereon 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;
associate the mobile phone number with the endorsable electronic instrument;
generate a link to a web-based application in which the endorsable electronic instrument is accessible to the targeted endorser;
send the generated link and an associated verification information request to the targeted endorser in the form of an SMS/MMS message using the mobile phone number associated with the targeted endorser, wherein the verification information request includes a request for imagery of the endorser and/or a request for a voice recording of the endorser;
receive an endorsed electronic instrument and electronic verification information through the web-based application, wherein the received electronic verification information includes imagery data and/or a voice recording;
receive, from the endorsement requesting party, imagery data and/or a voice recording associated with the targeted endorser;
compare the imagery data and/or voice recording associated with the targeted endorser, as received from the endorsement requesting party, to the electronic verification information as received through the web-based application; and
associate the verification information with the endorsed electronic instrument to validate the endorsed instrument.
20. The computer program product of claim 19 , wherein the electronic verification information also includes a time stamp indicating wen the imagery data was generated, and wherein the imagery data is additionally validated according to whether the time stamp is sufficiently recent based on a predetermined time period.