Disambiguation and authentication of device users

Patent metadata

Field	Value
Publication number	US-11550886-B2
Application number	US-202016864443-A
Country	US
Kind code	B2
Filing date	May 1, 2020
Priority date	Aug 24, 2016
Publication date	Jan 10, 2023
Grant date	Jan 10, 2023

Abstract

Features are described for efficiently and accurately identifying a user of an electronic device with limited user interaction. The features include receiving a mobile device identifier from the mobile device. The features include transmitting the mobile device identifier to a service provider associated with the mobile device. The features include receiving information identifying the user from the service provider. The features include identifying a set of candidates associated with at least a portion of the information. The features include generating a metric for the candidates included in the set of candidates. An individual metric indicates a degree of relatedness between a value for the user for the at least one data field and a value for a candidate for the at least one data field. The features include identifying the user as a specific candidate included in the set of candidates based on the metric corresponding to a threshold.

First claim

The invention claimed is:

1. A computer-implemented method of identification of a user of a mobile device, the method comprising:
under control of one or more computing devices configured with specific computer-executable instructions,
receiving first information identifying the user of the mobile device from a service associated with the mobile device;
querying, based on a fuzzy matching of at least a portion of the first information, a database which indexes credit header files of a plurality of users for a set of candidate users having the largest quantity of identity data values that matches user information from the credit header files;
determining a degree of difference between the identity data values of candidate users of the set of candidate users and the first information;
removing users from the set of candidate users based on the degree of difference;
for each user included in the set of candidate users, generating a metric indicating a degree of relatedness between the identity data values and the user information;
identifying candidate users having a generated metric exceeding a threshold;
identifying an identity data type associated with different identity data values that distinguish between the candidate users;
transmitting instructions to be received at the mobile device to request an input identity value of the identified identity data type from the user;
receiving the input identity value in response to transmitting the instructions;
determining that the input identity value corresponds to the identity data value of the identified identity data type for one candidate user; and
determining the one candidate user qualifies for an offer for a line of credit.

2. The computer-implemented method of claim 1 , wherein the service comprises at least one of an internet service, an application service, a cellular service, or a merchant service.

3. The computer-implemented method of claim 1 , wherein generating the metric indicating the degree of relatedness between the identity data values and the user information comprises:
generating a count of identity data types included in identity data having corresponding identity data types included in the user information; and
for an identity data type having a corresponding identity data type included in the user information, generating a comparison value indicating how closely the identity data value matches a user information value for the corresponding identity data type included in the user information, wherein the metric is based at least in part on the count and the comparison value.

4. The computer-implemented method of claim 1 , wherein generating the metric indicating the degree of relatedness between the identity data values and the user information comprises:
identifying a historical weight for the identity data value based on a difference between a current time and a time when identity data was collected; and
generating a comparison value indicating how closely the identity data value matches a user information value for a corresponding identity data type included in the user information, wherein the comparison value is weighted based at least in part on the historical weight.

5. The computer-implemented method of claim 1 , wherein the first information is included in a request for personalized content, and wherein the computer-implemented method further comprises transmitting at least a portion of the user information and at least one of the identity data values of the one candidate user to a personalized content service.

6. The computer-implemented method of claim 1 , further comprising:
receiving second information identifying a second user of a second mobile device from a second service associated with the second mobile device;
requesting candidate user information from the database using the second information; and
in response to receiving no candidate user information results, transmitting instructions to the second mobile device to request input values to identify the second user.

7. The computer-implemented method of claim 1 , further comprising:
causing, in response to receiving the first information, a consent request to be received at the mobile device; and
receiving a consent response in response to causing the consent request, wherein said querying is based in part on the consent response.

8. A computer-implemented method of identification of a user of a mobile device, the method comprising:
receiving first information identifying the user of a mobile device;
identifying, using fuzzy matching, a set of candidates associated with at least a portion of the first information from a credit header database, wherein each candidate includes second information identifying the respective candidate, wherein the second information includes at least one first data field included in the first information;
determining a degree of difference between the second information of each respective candidate and the first information;
excluding candidates from the set of candidates based on the degree of difference;
for each candidate included in the set of candidates, determining a degree of relatedness between a value for the user for the at least one first data field and a value for the candidate for the at least one first data field;
identifying a specific candidate included in the set of candidates as the user based on the degree of relatedness; and
determining the identified candidate qualifies for an offer for a line of credit.

9. The computer-implemented method of claim 8 , wherein a service provider comprising at least one of an internet service provider, an application service provider, a cellular service provider, or a merchant service provider provides the first information.

10. The computer-implemented method of claim 8 , further comprising generating an individual metric for each of the candidates included in the set of candidates, wherein the individual metric indicates the degree of relatedness.

11. The computer-implemented method of claim 10 , wherein generating the individual metric comprises:
generating a count of first data fields included in the first information having corresponding second data fields included in the second information; and
for a data field having the corresponding second data field included in the second information, generating a comparison value indicating how closely a value for the first data field in the first information matches a value for the corresponding second data field included in the second information, wherein the metric is based at least in part on the count and the comparison value.

12. The computer-implemented method of claim 10 , wherein generating the individual metric indicating the degree of relatedness comprises:
identifying a historical weight for a value for a second data field included in the second information based on a difference between a current time and a time when the second information was collected; and
generating a comparison value indicating how closely a value for a first data field in the first information matches the value for the second data field included in the second information, wherein the comparison value is weighted based at least in part on the historical weight.

13. The computer-implemented method of claim 8 , further comprising transmitting at least a portion of a mobile identifier associated with the mobile device and at least one value of the identified candidate to a personalized content service.

14. The computer-implemented method of claim 8 , further comprising:
determining the set of candidates includes no candidate users;
in response to receivin

Assignees

• Experian Inf Solutions Inc

Inventors

• Yin Steven
• Chen Kevin
• Haller Eric
• Tsang Alan
• Kerry David
• Toub Derek
• Yu Jack
• Wang Zhixuan
• Wheeler Christopher
• Upendran Sreeram

Classifications

• H04L63/108

  when the policy decisions are valid for a limited amount of time · CPC title

• G06Q40/03

  Credit; Loans; Processing thereof · CPC title

• H04W4/021

  Services related to particular areas, e.g. point of interest [POI] services, venue services or geofences · CPC title

• H04W12/06

  Authentication · CPC title

• G06F16/90335

  Query processing · CPC title