Methods and systems for deconflicting data from multiple sources in computer systems

Patent metadata

Field	Value
Publication number	US-11210642-B2
Application number	US-202016875955-A
Country	US
Kind code	B2
Filing date	May 15, 2020
Priority date	May 15, 2020
Publication date	Dec 28, 2021
Grant date	Dec 28, 2021

Abstract

Methods and systems are described for verifying an identity of a user through contextual knowledge-based authentication. The system described uses contextual knowledge-based authentication. By verifying an identity of a user through contextual knowledge-based authentication, the verification is both more secure and more intuitive to the user. For example, by relying on confidential and/or proprietary information, the system may generate verification questions, the answers to which are known only by the user.

First claim

What is claimed is:

1. A system for aggregating user data from a plurality of sources, the system comprising:
cloud-based memory configured to store first user record data from a first network and second user record data from a second network, wherein the first user record data is encoded in a first format and the second user record data is encoded in a second format;
cloud-based control circuitry configured to:
receive a first user input to aggregate credit card record data of a user;
extract first source data and second source data from the first user record data and the second user record data, respectively;
retrieve a first source data category value and a second source data category value from the first source data, wherein the second source data category value from the second source data comprises a second network name;
retrieve a first source data category value and a second source data category value from the second source data, wherein the second source data category value from the second source data comprises a second network name;
compare the first source data category value from the first source data to the first source data category value from the second source data;
compare the second source data category value from the first source data to the second source data category value from the second source data; and

cloud-based I/O circuitry configured to:
generate for display a single credit card record in a list of aggregated credit card records of the user based on the first user record data and the second user record data, wherein the single credit card record corresponds to one of the first source data and the second source data in response to determining that the respective first source data category values correspond and the respective second source data category values correspond;
generate for display two credit card records in the list of aggregated credit card records of the user based on the first user record data and the second user record data, respectively in response to determining that the respective first source data category values do not correspond and the respective second source data category values do not correspond; and
generate for display a user query to resolve a conflict between the first source data and the second source data in response to determining that the respective first source data category values correspond and the respective second source data category values do not correspond, wherein the list of aggregated credit card records is updated based on a user response to the user query.

2. A method for aggregating user data from a plurality of sources, the method comprising:
receiving a first user input to aggregate credit card record data of a user;
in response to the first user input, retrieving first user record data from a first network and second user record data from a second network, wherein the first user record data is encoded in a first format and the second user record data is encoded in a second format;
extracting first source data and second source data from the first user record data and the second user record data, respectively;
retrieving a first source data category value and a second source data category value from the first source data, wherein the second source data category value from the first source data comprises a first network name;
retrieving a first source data category value and a second source data category value from the second source data, wherein the second source data category value from the second source data comprises a second network name;
comparing the first source data category value from the first source data to the first source data category value from the second source data;
comparing the second source data category value from the first source data to the second source data category value from the second source data; and
in response to determining that the respective first source data category values correspond and the respective second source data category values do not correspond, generating for display a user query to resolve a conflict between the first source data and the second source data, wherein a list of aggregated credit card records is updated based on a user response to the user query.

3. The method of claim 2 , further comprising generating for display a single credit card record in a list of aggregated credit card records of the user based on the first user record data and the second user record data in response to determining that the respective first source data category values correspond and the respective second source data category values correspond, wherein the single credit card record corresponds to one of the first source data and the second source data.

4. The method of claim 2 , further comprising generating for display a two credit card record in the list of aggregated credit card records of the user based on the first user record data and the second user record data, respectively in response to determining that the respective first source data category values do not correspond and the respective second source data category values do not correspond.

5. The method of claim 2 , wherein generating for display the user query comprises:
crowd-sourcing the user query to a plurality of other users based on respective user record data for the plurality of other users including the first source data or the second source data; and
aggregating responses from the plurality of other users.

6. The method of claim 5 , wherein crowd-sourcing the user query to a plurality of other users based on respective user record data for the plurality of other users, further comprises:
retrieving a threshold time period;
determining whether the respective user record data is from the threshold time period; and
selecting the plurality of other users based on the respective user record data corresponding to the threshold time period.

7. The method of claim 5 , further comprising:
selecting a number of the plurality of other users based on a percentage of users with user record data that includes the first source data or the second source data.

8. The method of claim 2 , wherein the user query includes a user selectable option for resolving the conflict in favor of the first source data or the second source data.

9. The method of claim 2 , wherein the first format is specific to the first network and the second format is specific to the second network.

10. The method of claim 2 , wherein the first source data category value includes an amount value, a time stamp value, a source address value, a source name value, or a network name value.

11. The method of claim 2 , wherein comparing the first source data category value from the first source data to the first source data category value from the second source data, further comprises applying a fuzzy string matching algorithm that:
removes numerals and special characters from the first source data category value from the first source data and the first source data category value from the second source data;
identifies root words in the first source data category value from the first source data and the first source data category value from the second source data; and
matches the root words irrespective of order in the first source data category value from the first source data and the first source data category value from the second source data.

12. A non-transitory computer-readable medium comprising instructions that, when executed by one or more processors, cause operations comprising:
receiving a first user input to aggregate credit card record data of a user;
in response to the first user input, retrieving first

Assignees

• Capital One Services Llc

Inventors

• Edwards Joshua
• Benkreira Abdelkader M'Hamed
• Mossoba Michael

Classifications

• G07F7/1008

  Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system · CPC title

• G06Q20/4014 Primary

  Identity check for transactions · CPC title

• G06Q20/341

  Active cards, i.e. cards including their own processing means, e.g. including an IC or chip · CPC title

• G06Q20/24

  Credit schemes, i.e. "pay after" · CPC title

• G06Q20/227

  characterised in that multiple accounts are available, e.g. to the payer · CPC title