Digital identity
A digital identity, which may include a user interface that may be displayed on a mobile computing device, may be generated to include information extracted from a physical identification card (e.g., driver license or passport), as well as information regarding validation of the physical identification card and of the consumer's identity. The digital identity may be used in place of the physical identification card.
1. A computing system for managing a digital identification of an individual, the computer system comprising:
a computer readable storage medium having stored thereon program instructions; and
one or more computer processors configured to execute the program instructions to cause the computing system to:
receive a request to validate a form of identification of an individual, wherein the form of identification includes a set of personally identifying information that includes at least a name and a photograph of the individual;
access consumer profile data associated with the individual in a validated identification data store, the validated identification data store including validated identification data associated with the individual;
determine whether there is a validated ID token associated with the accessed consumer profile data; and
in response to determining that there is no validated ID token associated with the accessed consumer profile data:
extract at least a portion of the set of personally identifying information from the form of identification;
based at least in part on a determination that the at least a portion of the set of personally identifying information matches at least a portion of the accessed consumer profile data, generate the validated ID token, wherein the validated ID token is specific to the individual and is usable to authenticate the individual;
store, in the validated identification data store, an association between the validated ID token and the accessed consumer profile data; and
transmit a response to the request that includes the validated ID token.
2. The computing system of claim 1 , wherein to receive the request, the one or more computer processors are configured to receive a scan of the form of identification.
3. The computing system of claim 2 , wherein the form of identification comprises at least one of a driver's license, a passport, a government-issued form of ID, or an identification card.
4. The computing system of claim 1 , further comprising an image scanning device in communication with the one or more computer processors and configured to scan the form of identification.
5. The computing system of claim 4 , wherein the image scanning device comprises at least one of a camera, a scanner, or a smartphone.
6. The computing system of claim 1 , wherein the validated ID token comprises at least some information from the set of personally identifying information, wherein the at least some information comprises at least the photograph of the individual and the name of the individual.
7. The computing system of claim 1 , wherein the validated ID token comprises at least one of an indication that the form of identification is valid or an indication that an identity of the individual has been validated.
8. The computing system of claim 1 , wherein the validated ID token comprises a validation date corresponding to a date that the validated ID token was generated.
9. The computing system of claim 1 , wherein the accessed consumer profile data comprises credit data.
10. The computing system of claim 1 , wherein the one or more computer processors are further configured to store the validated ID token on a network-accessible server and provide an application programming interface to one or more online services, wherein the application programming interface is configured to allow the one or more online services to access the validated ID token.
11. The computing system of claim 1 , wherein the validated ID token comprises an indication that the form of identification is valid, wherein the indication that the form of identification is valid indicates that the form of identification was issued by an issuing entity.
12. The computing system of claim 11 , wherein the validated ID token indicates a validity of the form of identification as a confidence level within a range of possible confidence levels.
13. The computing system of claim 1 , wherein the one or more computer processors are further configured to:
identify another photograph of the individual from a social media site corresponding to the individual; and
compare the another photograph to the photograph of the individual,
wherein to generate the validated ID token is further based at least in part on a determination that at least a portion of the another photograph corresponds to at least a portion of the photograph of the individual.
14. The computing system of claim 1 , wherein the request includes additional personally identifying information, the additional personally identifying information being only known by the individual.
15. The computing system of claim 1 , wherein the one or more computer processors are further configured to execute the program instructions to cause the computing system to:
receive, from a requesting entity, a request to verify an ID token;
access the validated identification data associated with the individual;
determine that the ID token is validated; and
provide verification status to the requesting entity indicating the ID token is valid.
16. The computing system of claim 1 , wherein the one or more computer processors are further configured to execute the program instructions to cause the computing system to:
in response to determining that there is a validated ID token associated with the accessed consumer profile data:
refresh the validated ID token;
associate the refreshed validated ID token with the accessed consumer profile data; and
provide a requesting computing device with the refreshed validated ID token.
17. A method of managing a digital identification of an individual, the method implemented by one or more computing devices configured with specific computer-executable instructions and comprising:
receiving a request to validate a form of identification of an individual, wherein the form of identification comprises a set of personally identifying information that includes; at least a name and a photograph of the individual;
accessing consumer profile data associated with the individual in a validated identification data store, the validated identification data store including validated identification data associated with the individual;
determining whether there is a validated ID token associated with the consumer profile data; and
in response to determining that there is no validated ID token associated with the consumer profile data:
extracting at least a portion of the set of personally identifying information from the form of identification,
comparing the at least a portion of the set of personally identifying information with the consumer profile data,
based at least in part on a determination that the at least a portion of the set of personally identifying information matches at least a portion of the consumer profile data, generating the validated ID token, wherein the validated ID token is specific to the individual and is usable to authenticate the individual,
storing, in the validated identification data store, an association between the validated ID token and the consumer profile data, and
transmitting a response to the request that includes the validated ID token.
18. The method of claim 17 , wherein the form of identification comprises at least one of a driver's license, a passport, a government-issued form of ID, or an identification card.
19. The method of claim 17 , further comprising storing the validated ID token on a network-accessible server and provide an application programming interface to one or more online services, wherein the application programming interface is configured to allow the one or more online services to access the validated ID token.
20. The method of claim 17 , further comprising:
identifying another photograph of the individual from a social media site corresponding to the individual; and
comparing the another photograph to the photograph of the set of personally identifying information,
wherein said generating the validated ID token is further based at least in part on a determination that at least a portion of the another photograph corresponds to at least a portion of the photograph of the set of personally identifying information.