Systems and methods for digital identity verification
Systems and methods for digital identity verification are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for digital identify verification may include: (1) receiving, from a user electronic device or at a website, an image of an identity document for a user, the identity document comprising an image of the user; (2) processing the identity document with at least one business-specific rule; (3) extracting identity information from the identity document; (4) determining a match rate of the image of the user on the identity document to a captured image; (5) assigning a verification score to the user based on extracted identity information and the match rate; and (6) publishing the verification score to at least one system.
1. A method for digital identify verification, comprising:
receiving, by a computer program executed by an electronic device and from a user electronic device, an image of an identity document for a user, comprising an image of the user;
processing, by the computer program, the identity document with at least one business-specific rule;
extracting, by the computer program and using optical character recognition, identity information from the image of the identity document, wherein the identity information includes a telephone number;
identifying, by the computer program and using a machine learning algorithm that is trained on a type of the identity document, the telephone number in the extracted identity information;
anonymizing, by the computer program, the telephone number by generating a first hash value of the telephone number;
sending, by the computer program the first hash value of the telephone number to a third-party electronic wallet provider, wherein the third-party electronic wallet provider is configured to generate a telephone number verification by confirming that the first hash value matches a one of a plurality of hashes of valid stored telephone numbers without identifying the telephone number or the user;
receiving, by the computer program and from the third-party electronic wallet provider, the telephone number verification;
receiving, by the computer program and from a system of a mobile network provider, a risk score for the telephone number, wherein the risk score for the telephone number is based on call activity associated with the telephone number;
determining, by the computer program, a match rate of the image of the user on the identity document to a captured image;
assigning, by the computer program, a verification score to the user based on extracted identity information, the match rate, the telephone number verification, and the risk score for the telephone number; and
publishing, by the computer program, the verification score to at least one system.
2. The method of claim 1 , wherein the identity document comprises one of a driver's license and a passport.
3. The method of claim 1 , wherein the identity information comprises at least one of a name, an address, a date of birth, and an expiration date.