System and method for merchant and personal transactions using mobile identification credential

US11348093B2 · kind B2 · utility

Assignee

• The Government of the United States of America, as represented by the Secretary of Homeland Security · US

Inventors

• Daniel A. Boyd · Arlington, US
• Kelli L. Biegger · Fort Worth, US
• Chang Ellison · Arlington, US
• Brandon P. Gutierrez · Johns Creek, US
• Jason Lim · Alexandria, US

Key dates

• Filing date: Oct 21, 2021
• Grant date: May 31, 2022
• Expiry date: Oct 21, 2041

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/40145
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

In an example involving a transaction conducted between a first party using a user mobile-identification-credential device (UMD) and a second party using a relying party system (RPS), RPS receives a request from UMD for transfer of an item, requests identification information of the first party from UMD, receives, based on consent of the first party, some or all user ID information associated with a mobile identification credential (MIC) which UMD received from an authorizing party system (APS), receives verification of the received user ID information, uses the verified user ID information to verify or not verify an identity of the first party, grants the request to transfer the item in exchange for payment or another item to be transferred from the first party to the second party when the identity of the first party is verified, and denies the request when the identity of the first party is not verified.