Patent ID: 11880841
Assignee: MASTERCARD ASIA/PACIFIC PTE. LTD.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. An identity validation system comprising:
at least one processor in communication with computer-readable storage, the computer-readable storage including instructions, which when executed by the at least one processor, cause the identity validation system to:
receive, from a requesting device, an identity validation request, the identity validation request comprising identity data for a user and a payment credential;
determine, from the payment credential, an issuer of the payment credential;
determine, via a structured query language (SQL) database, that the issuer of the payment credential supports identity validation;
retrieve an address of an access control server (ACS) of the issuer of the payment credential;
transmit the address of the ACS to the requesting device, thereby permitting the requesting device to verify the user with the issuer via the ACS;
receive a verification service request message from the requesting device, the verification service request message including the identity data for the user, the payment credential, and a positive user verification result associated with the ACS;
validate the verification service request message based on the positive user verification result;
transmit, to the issuer, the verification service request message;
receive, from the issuer, a verification service response indicating whether or not the identity data has previously been associated with the payment credential; and
in response to the verification service response indicating the identity data has previously been associated with the payment credential:
receive, from a token service, an identity token including an identifier mapped to the identity data; and
transmit, to the requesting device, the identity token, wherein the identity token is used by the requesting device to validate the user for subsequent interactions between the requesting device and the user.