System and method for identity and reputation score based on transaction history

Patent metadata

Field	Value
Publication number	US-9824198-B2
Application number	US-201514611073-A
Country	US
Kind code	B2
Filing date	Jan 30, 2015
Priority date	Jul 14, 2011
Publication date	Nov 21, 2017
Grant date	Nov 21, 2017

Abstract

Techniques for electronic signature process management are described. Some embodiments provide an electronic signature service (“ESS”) configured to manage electronic identity cards. In some embodiments, the ESS generates and manages an electronic identity card for a user, based on personal information of the user, activity information related to the user's actions with respect to the ESS, and/or social networking information related to the user. The electronic identity card of a signer may be associated with an electronic document signed via the ESS, so that users may obtain information about the signer of the document. The ESS may also generate a trust score for the user based on activity information related to the user's actions with respect to the ESS and/or other factors. The trust score may be used to recommend authentication mechanisms to use with respect to electronic signature transactions.

First claim

The embodiments of the invention in which an exclusive property or privilege is claimed are defined as follows:

1. A method to facilitate a digital transaction between at least two users, comprising:
monitoring, by a computing system, actions of one or more previous electronic signature transactions associated with a user of an electronic signature service, wherein the actions include one or more of uploading a document to the electronic signature service, sending a document via the electronic signature service, reviewing a document via the electronic signature service, and signing a document via the electronic signature service;
determining a trust score for the user based on the user's monitored actions from the previous electronic signature transactions including at least one of a type of signature used by the user, a number of documents signed by the user, and a frequency of signing operations conducted by the user; and
providing the trust score in association with another electronic signature transaction that is associated with the user via the electronic signature service including displaying, on a display device coupled to the computing system, the trust score within an identity card associated with the user upon request.

2. The method of claim 1 , wherein determining the trust score further comprises:
determining a number of points for a sender based on a number and type of sending events by the sender, frequency of use by the sender, or the number and type of authentication methods used in sending a document; and
determining the trust score based on the determined number of points.

3. The method of claim 1 , further comprising recommending an authentication method to a sender based on a signer's trust score, wherein the recommended authentication method is one of multiple authentication methods that are provided by the electronic signature service and that include access-code verification, phone-based verification, short message service verification, and knowledge-based verification.

4. The method of claim 1 , further comprising providing a warning to a signer about entering selected sensitive personal information based on a sender's trust score.

5. The method of claim 1 , further comprising:
providing information to the user on how to improve their trust score, the information recommending that the user perform actions including providing a valid email address, linking an electronic signature service account associated with the user with a social network account associated with the user, sending a document via the electronic signature service, and signing a document via the electronic signature service; and
in response to the user performing one of the recommended actions, increasing the user's trust score.

6. The method of claim 1 , further comprising presenting a user interface that is configured to:
add a signer to the other electronic signature transaction;
provide the trust score of the signer to a sender; and
enable the sender to modify an authentication method for the other electronic signature transaction based on the trust score.

7. A non-transitory computer-readable storage medium that includes instructions to facilitate a digital transaction between at least two users, wherein the execution of the instructions by a processor enables actions, comprising:
monitoring actions of one or more previous electronic signature transactions associated with a user of an electronic signature service, wherein the actions include one or more of uploading a document to the electronic signature service, sending a document via the electronic signature service, reviewing a document via the electronic signature service, and signing a document via the electronic signature service;
determining a trust score for the user based on the user's monitored actions from the previous electronic signature transactions including at least one of a type of signature used by the user, a number of documents signed by the user, and a frequency of signing operations conducted by the user; and
providing the trust score in association with another electronic signature transaction that is associated with the user via the electronic signature service including displaying, on a display device coupled to the processor, the trust score within an identity card associated with the user upon request.

8. The non-transitory computer-readable storage medium of claim 7 , wherein determining the trust score further comprises:
determining a number of points for a sender based on a number and type of sending events by the sender, frequency of use by the sender, or the number and type of authentication methods used in sending a document; and
determining the trust score based on the determined number of points.

9. The non-transitory computer-readable storage medium of claim 7 , further comprising recommending an authentication method to a sender based on a signer's trust score.

10. The non-transitory computer-readable storage medium of claim 7 , further comprising:
presenting via a user interface controls for selecting one or more of multiple authentication methods that are provided by the electronic signature service and that include access-code verification, phone-based verification, short message service verification, and knowledge-based verification; and
disabling, based on a signer's trust score, one or more of the authentication methods.

11. The non-transitory computer-readable storage medium of claim 7 , further comprising providing information to the user on how to improve their trust score.

12. The non-transitory computer-readable storage medium of claim 7 , further comprising:
adding a signer to the other electronic signature transaction;
providing the trust score of the signer to a sender; and
enabling the sender to modify an authentication method for the other electronic signature transaction based on the trust score.

13. A computing system configured to facilitate a digital transaction between at least two users, comprising:
a display device;
a memory for storing instructions;
a processor that executes the instructions to perform actions, comprising:
monitoring actions of one or more previous electronic signature transactions associated with a user of an electronic signature service, wherein the actions include one or more of uploading a document to the electronic signature service, sending a document via the electronic signature service, reviewing a document via the electronic signature service, and signing a document via the electronic signature service;
determining a trust score for the user based on the user's monitored actions from the previous electronic signature transactions including at least one of a type of signature used by the user, a number of documents signed by the user, and a frequency of signing operations conducted by the user; and
providing the trust score in association with another electronic signature transaction that is associated with the user via the electronic signature service including displaying, on a display device coupled to the processor, the trust score within an identity card associated with the user upon request.

14. The computing system of claim 13 , wherein determining the trust score further comprises:
determining a number of points for a sender based on a number and type of sending events by the sender, frequency of use by the sender, or the number and type of authentication methods used in sending a document; and
determining the trust score based on the determined number of points.

15. The computing system of claim 13 , wherein the processor that executes the instruc

Assignees

• Docusign Inc

Inventors

• Carroll Ashley
• Strickland Michael
• Gonser Thomas H
• Peterson Donald G
• Rybacki Douglas P

Classifications

• H04L63/08

  for authentication of entities (cryptographic mechanisms or cryptographic arrangements for entity authentication H04L9/32) · CPC title

• B42D25/305

  Associated digital information (record carriers for use with machines and with at least a part designed to carry digital markings G06K19/00) · CPC title

• G06F2221/2111

  Location-sensitive, e.g. geographical location, GPS · CPC title

• H04L63/1425

  Traffic logging, e.g. anomaly detection · CPC title

• G06F21/316 Primary

  by observing the pattern of computer usage, e.g. typical user behaviour · CPC title