Systems and methods of delayed authentication and billing for on-demand products
In one embodiment, a method includes receiving, from a requestor, a request for an on-demand identity product in relation to an identity of a consumer, the request comprising personally identifying information (PII) of the consumer. The method also includes executing, using the PII, a partial registration of the consumer for the on-demand identity product, the partial registration omitting satisfaction of at least one security requirement. The method additionally includes determining whether delayed authentication is enabled for the on-demand identity product. Moreover, the method includes, responsive to a determination that delayed authentication is enabled for the on-demand identity product: conditionally suspending the at least one security requirement; initiating provision of the on-demand identity product to the requestor; and restricting the requestor's access to determined sensitive data resulting from the initiated provision at least until the at least one security requirement is satisfied.
1. A method comprising:
receiving, from a first user system, a first request for delivery of a first on-demand product, wherein the first request comprises personally identifying information of a first user;
determining that delivery of the first on-demand identity product to the first user system is successful based at least in part on a first evaluation of product-delivery factors that are selected specifically for the first on-demand product, wherein the product delivery factors include one or more of:
(i) determination that a user associated with a user system has been successfully added to one or more internal systems that provide an on-demand product,
(ii) determination that the on-demand product has been transmitted in its entirety to the user system, or
(iii) determination that the on-demand product is accessible by the user system,
responsive to a determination that delivery of the first on-demand product to the first user system is successful, automatically generating billing instructions that are configured to bill the first user system;
receiving, from a second user system, a second request for delivery of a second on-demand product comprising personally identifying information of a second user; and
determining that delivery of the second on-demand identity product to the second user system is successful based at least in part on a second evaluation of product-delivery factors that are selected specifically for the second on-demand product, wherein the second evaluation includes different product-delivery factors than the first evaluation.
2. The method of claim 1 , further comprising:
determining that an option for delayed authentication is enabled for the first on-demand product, wherein the option for delayed authentication is a setting that is preconfigured and stored in a memory that is accessible by the computer system over a network.
3. The method of claim 1 , further comprising:
determining that an option for delayed authentication is disabled for the first on-demand product, wherein the option for delayed authentication is a setting that is preconfigured and stored in a memory that is accessible by the computer system over a network; and
requiring that determination that the first user is authenticated is satisfied prior to delivery of the first on-demand product.
4. The method of claim 1 , further comprising:
responsive to a determination that delivery of the on-demand product to the user system is not successful, automatically generating delayed billing instructions that are configured not to bill the first user system for the first on-demand product at least until successful delivery of the on-demand product to the first user system can be determined.
5. The method of claim 1 , further comprising:
partially registering the first consumer for the first on-demand identity product based at least in part on the first request; and
initiating delivery of the first on-demand identity product to the first user system such that the first user system is restricted access to determined sensitive data.
6. The method of claim 5 , wherein the partial registering omits satisfaction of at least one security requirement, wherein the at least one security requirement includes requiring that the first user system be authenticated.
7. The method of claim 5 , further comprising:
responsive to a determination that the first user is authenticated, enabling access to determined sensitive data by the first user system.
8. The method of claim 7 , wherein the first user system is authenticated by verifying an identity of the first user.
9. The method of claim 5 , further comprising:
responsive to a determination that the first user is not authenticated, restricting access by the first user system to determined sensitive data.
10. The method of claim 9 , wherein the restricting comprises allowing the first user system to access sanitized data resulting from the delivery of the of the first on-demand identity product.
11. A system comprising:
at least one computer processor, wherein the at least one computer processor is operable to perform a method comprising:
receiving, from a first user system, a first request for delivery of a first on-demand product, wherein the first request comprises personally identifying information of a first user;
determining that delivery of the first on-demand identity product to the first user system is successful based at least in part on a first evaluation of product-delivery factors that are selected specifically for the first on-demand product, wherein the product delivery factors include one or more of:
(i) determination that a user associated with a user system has been successfully added to one or more internal systems that provide an on-demand product,
(ii) determination that the on-demand product has been transmitted in its entirety to the user system, or
(iii) determination that the on-demand product is accessible by the user system,
responsive to a determination that delivery of the first on-demand product to the first user system is successful, automatically generating billing instructions that are configured to bill the first user system;
receiving, from a second user system, a second request for delivery of a second on-demand product comprising personally identifying information of a second user; and
determining that delivery of the second on-demand identity product to the second user system is successful based at least in part on a second evaluation of product-delivery factors that are selected specifically for the second on-demand product, wherein the second evaluation includes different product-delivery factors than the first evaluation.
12. The method of claim 11 , further comprising:
determining that an option for delayed authentication is enabled for the first on-demand product, wherein the option for delayed authentication is a setting that is preconfigured and stored in a memory that is accessible by the computer system over a network.
13. The method of claim 11 , further comprising:
determining that an option for delayed authentication is disabled for the first on-demand product, wherein the option for delayed authentication is a setting that is preconfigured and stored in a memory that is accessible by the computer system over a network; and
requiring that determination that the first user is authenticated is satisfied prior to delivery of the first on-demand product.
14. The method of claim 11 , further comprising:
responsive to a determination that delivery of the on-demand product to the user system is not successful, automatically generating delayed billing instructions that are configured not to bill the first user system for the first on-demand product at least until successful delivery of the on-demand product to the first user system can be determined.
15. The method of claim 11 , further comprising:
partially registering the first consumer for the first on-demand identity product based at least in part on the first request; and
initiating delivery of the first on-demand identity product to the first user system such that the first user system is restricted access to determined sensitive data.
16. The method of claim 15 , further comprising:
responsive to a determination that the first user is authenticated, enabling access to determined sensitive data by the first user system.
17. The method of claim 15 , further comprising:
responsive to a determination that the first user is not authenticated, restricting access by the first user system to determined sensitive data.
18. Non-transitory computer readable medium storing computer executable instructions thereon, the computer executable instructions when executed cause an identity security system to:
receive, from a first user system, a first request for delivery of a first on-demand product, wherein the first request comprises personally identifying information of a first user;
determine that delivery of the first on-demand identity product to the first user system is successful based at least in part on a first evaluation of product-delivery factors that are selected specifically for the first on-demand product, wherein the product delivery factors include one or more of:
(i) determination that a user associated with a user system has been successfully added to one or more internal systems that provide an on-demand product,
(ii) determination that the on-demand product has been transmitted in its entirety to the user system, or
(iii) determination that the on-demand product is accessible by the user system,
responsive to a determination that delivery of the first on-demand product to the first user system is successful, automatically generate billing instructions that are configured to bill the first user system;
receive, from a second user system, a second request for delivery of a second on-demand product comprising personally identifying information of a second user; and
determine that delivery of the second on-demand identity product to the second user system is successful based at least in part on a second evaluation of product-delivery factors that are selected specifically for the second on-demand product, wherein the second evaluation includes different product-delivery factors than the first evaluation.
19. The non-transitory computer readable medium of claim 18 , further comprising:
determining that an option for delayed authentication is enabled for the first on-demand product, wherein the option for delayed authentication is a setting that is preconfigured and stored in a memory that is accessible by the computer system over a network.
20. The non-transitory computer readable medium of claim 18 , further comprising:
partially registering the first consumer for the first on-demand identity product based at least in part on the first request; and
initiating delivery of the first on-demand identity product to the first user system such that the first user system is restricted access to determined sensitive data.