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

Claim 11:
12. An identity validation method implemented by one or more processors, the method comprising:
receiving, from a requesting device, an identity validation request, the identity validation request comprising identity data and a payment credential;
determining, from the payment credential, an issuer of the payment credential;
determining, via a structured query language (SQL) database, that the issuer of the payment credential supports identity validation;
retrieving an address of an access control server of the issuer of the payment credential;
transmitting, to the requesting device, the address of the access control server;
receiving a verification service request message from the requesting device, the verification service request message comprising the identity data, the payment credential, and a positive user verification result;
validating the verification service request message based on the positive user verification result being included in the verification service request message;
transmitting, to the issuer, the verification service request message;
receiving 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:
receiving, from a token service, an identity token including an identifier mapped to the identity data; and
transmitting, 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.