Patent SG-11201908374P-A (SG)
Title: Systems and methods for user identity authentication
Inventor: LAM JER-WEI
IPC: G06K9/00
Filed: 2018-03-23
Abstract: ReceiveUser Authentication Data St Determine Details of Payment Card / Bank Account ▪ 304 St Compare Details of Payment Card / Bank Account with Rules for Authentication Determine Name Associated with Payment Card / Bank Account St Determine Name Associated with Identity Card ▪ 310 ▪ 312 Perform Name Verification Perform Image Verification 306 ▪ 308 W O 20 18/ 17 48 24 Al (12) INTERNATIONAL APPLICATION PUBLISHED UNDER THE PATENT COOPERATION TREATY (PCT) (19) World Intellectual Property Organization International Bureau (43) International Publication Date 27 September 2018 (27.09.2018) WIP0 I PCT omit VIII °nolo olo VIII ow (10) International Publication Number WO 2018/174824 Al (51) International Patent Classification: GO6Q 40/00 (2012.01) GOOK 9/00 (2006.01) GOOF 21/30 (2013.01) (21) International Application Number: PCT/SG2018/050127 (22) International Filing Date: 23 March 2018 (23.03.2018) (25) Filing Language: English (26) Publication Language: English (30) Priority Data: 10201702392P 23 March 2017 (23.03.2017) SG (71) Applicant: JEWEL PAYMENTECH PTE LTD [SG/SG]; 31 Kaki Bukit Road 3, #06-25 Techlink, Singa- pore 417818 (SG). (72) Inventors: LAM, Jer-Wei; c/o Jewel Paymentech Pte Ltd, 31 Kaki Bukit Road 3, #06-25 Techlink, Singapore 417818 (SG). LEE, Wooi Siang; c/o Jewel Paymentech Pte Ltd, 31 Kaki Bukit Road 3, #06-25 Techlink, Singapore 417818 (SG). CHEIM, Sandra Mei Ling; c/o Jewel Paymentech Pte Ltd, 31 Kaki Bukit Road 3, #06-25 Techlink, Singa- pore 417818 (SG). YAZDANI, Azim Adil; c/o Jewel Pay- mentech Pte Ltd, 31 Kaki Bukit Road 3, #06-25 Techlink, Singapore 417818 (SG). (74) Agent: LINDSAY, Jonas Daniel; Marks & Clerk Singa- pore LLP, Tanjong Pagar, P 0 Box 636, Singapore 910816 (SG). (81) Designated States (unless otherwise indicated, for every kind of national protection available): AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DJ, DK, DM, DO, DZ, EC, EE, EG, ES, FE GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IR, IS, JO, JP, KE, KG, KH, KN, KP, KR, KW, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW. (84) Designated States (unless otherwise indicated, for every kind of regional protection available): ARIPO (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, TZ, UG, ZM, ZW), Eurasian (AM, AZ, BY, KG, KZ, RU, TJ, TM), European (AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FE FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, (54) Title: SYSTEMS AND METHODS FOR USER IDENTITY AUTHENTICATION (57) : Systems and methods for user identity authentication, 300 for example in know your customer (KYC) procedures are described. A method for user identity authentication comprises; receiving user authen- tication data from a user device, the user authentication data comprising data indicative of a payment card account or bank account associated with the user, data indicative of an identity card of the user, and an image of the user captured by the user device; determining a name associated with the payment card or bank account associated with the user; determining a name associated with the identity card of the user; performing a name verification by comparing the name associated with the payment card or bank account associated with the user with the name associated with the identity card of the user; performing an image verification by comparing the image of the user with an image associated with the identity card of the user; performing an account verification by generating a transaction on the payment card or bank account associated with the user and receiving an account verification response; and generating a user identity verifica- tion indication indicating that the identity of user has been authenticated if the name verification, the image verification and the account verifica- tion were successful. ▪ 318 Generate User Identity Verification Indication ▪ 320 Figure 3 [Continued on next page] Perform Account Verification 314 ▪ 316 Perform Fraud Detection WO 2018/174824 Al MIDEDIMOMMIDIREEMOMMEHIMOIOHNEVOIS TR), OAPI (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG). Declarations under Rule 4.17: — of inventorship (Rule 4.17(iv)) Published: — with international search report (Art. 21(3))