Profile and identity authentication service

US8019691B2 · kind B2 · utility

Assignee

• Visa International Service Association · US

Inventors

• Benedicto H. Dominguez · San Bruno, US
• Thomas Manessis · Pacifica, US
• Melody L. Rutherford · San Francisco, US
• Sandra Salvatori · Sausalito, US
• Janet T. Roth · Oakland, US

Key dates

• Filing date: Sep 10, 2003
• Grant date: Sep 13, 2011
• Expiry date: May 19, 2024

Classification

• Technology area (CPC G): Physics
• CPC primary: G07C9/22
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Authenticating the identity and validating the profile of an individual who presents himself to another party as having a certain identity and corresponding profile data occurs during an Internet transaction. A trusted party gives a definitive answer regarding the authentication of identity and validity of profile data. The trusted party can be a financial institution that has an established relationship with the individual. For example, the financial institution can be a bank that issues a debit or credit card to the individual. The trusted party can also provide the profile data of the individual to the other party, rather than have the individual provide such data. The trusted party can also update the individual's profile data held by the other party when such data is no longer current.