Access control system for implementing access restrictions of regulated database records while identifying and providing indicators of regulated database records matching validation criteria

• US 10,019,593 B1
• Filed: 04/05/2017
• Issued: 07/10/2018
• Est. Priority Date: 11/23/2015
• Status: Active Grant

• Current Assignee: Experian Information Solutions Incorporated (Experian plc)
• Original Assignee: Experian Information Solutions Incorporated (Experian plc)
• Inventors: Patel, Rakesh, Nicholl, Mara, Harju, Lindsey Greenwell
• Primary Examiner(s): Cribbs, Malcolm
• Application Number:
  US15/480,222
• Time in Patent Office: 461 Days
• Field of Search: None
• CPC Class Codes: G06F 16/24578 using ranking
• CPC Class Codes: G06F 16/9535 Search customisation based on user profiles and personalisation
• CPC Class Codes: G06F 21/6218 to a system of files or objects, e.g. local or distributed file system or database
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof
• CPC Class Codes: H04L 63/102 Entity profiles

Abstract

A digital targeting system is configured to access data to determine users that satisfy content factors, such as pre-validation criteria, based on user information stored in a database having restrictions on sharing of user data, such as government regulations on sharing of the user information. The digital targeting system may then generate a pre-validated user ID list indicating those users that match the content factors. Users on the pre-validated user ID list may then be matched to users in other databases, such as a digital ID database, to identify digital IDs for the users that are usable by a digital display entity.

Claims

1. A system for displaying offers to customers of a digital display entity, the system comprising:

a pre-validation system comprising one or more processors for executing software instructions to;

receive pre-validation criteria indicating attributes of users that qualify them for a content item from a provider;

access a regulated database of regulated user records including, for each of a plurality of users, a user ID and a plurality of regulated user attributes, wherein access to the regulated user records is regulated by third-party regulations;

for each of the user IDs;

determine whether the plurality of regulated user attributes of the regulated user record meet the pre-validation criteria;

if the pre-validation criteria are met, identify the user ID as pre-validated; and

if the pre-validation criteria are not met, do not identify the user ID as pre-validated;

generate a pre-validated user ID list including each of the pre-validated user IDs, wherein the pre-validated user ID list does not include any regulated user attributes from the regulated database; and

transmit the pre-validated user ID list to a targeting system;

the targeting system comprising one or more processors for executing software instructions to;

receive the pre-validated user ID list from the pre-validation system;

receive, from a third-party digital display entity, a digital entity database indicating a plurality of digital user records associated with respective users of a service provided by the digital display entity, each of the digital user records including a digital ID and personal information of the associated user, the digital IDs assigned by the third-party digital display entity and usable to uniquely identify users accessing the service provided by the digital display entity;

search a targeting database for personal user information matching personal information of respective digital user records;

if matching personal user information is identified in the targeting database, add the corresponding digital ID to a digital ID list;

if matching personal user information is not identified in the targeting database, do not add the corresponding digital ID to the digital ID list; and

wherein the digital ID list is configured to allow the digital display entity that comprises a non-transitory computer storage medium storing software instructions to identify respective users as qualifying for the content item from the provider in response to the users'"'"' digital IDs being included on the digital ID list and to initiate transmission of a firm offer of goods or services to the identified users.

2. The system of claim 1, wherein the digital display entity is configured to transmit the content item to qualifying users by audio channels, visual channels, application channels, or electronic mail channels, wherein the content item comprises one of a credit card offer, an auto loan offer, a home mortgage offer, a personal loan offer, an insurance offer, or a service offer.

3. The system of claim 1, wherein each digital ID includes an email address, and the digital display entity transmits the content item to qualifying digital IDs via respective email addresses.

4. The system of claim 1, wherein identifying a user ID as pre-validated comprises associating a flag with the pre-validated user ID, wherein the pre-validated user IDs in the pre-validated ID list are identifiable based on associations with the flag.

5. A system for displaying offers to customers of a digital display entity, the system comprising:

a pre-validation system comprising one or more processors for executing software instructions to;

receive pre-validation criteria indicating attributes of users that qualify them for a content item from a provider;

access a regulated database of regulated user records including, for each of a plurality of users, a regulated user ID and a plurality of regulated user attributes, wherein access to the regulated user records is regulated by third-party regulations;

receive from an external targeting system that comprises a non-transitory computer readable medium storing software instructions, a targeting database comprising a plurality of targeting records associated with respective users, each targeting record including a user ID and associated personal user information;

for respective user IDs of the targeting database;

correlate the user ID with a regulated user record of the regulated database based at least on one or more matches of personal user information associated with the user IDs and corresponding of regulated user attributes of the regulated user records;

determine whether the regulated user attributes of the regulated user record identified as matching the user ID of the targeting database meet the pre-validation criteria;

if the pre-validation criteria are met, identify the user ID as pre-validated; and

if the pre-validation criteria are not met, do not identify the user ID as pre-validated;

generate a pre-validated user ID list including each of the pre-validated user IDs, wherein the pre-validated user ID list does not include any regulated user attributes from the regulated database; and

transmit the pre-validated user ID list to the digital display entity;

wherein the digital display entity comprises a non-transitory computer storage medium storing software instructions to match respective pre-validated user IDs to corresponding digital IDs of the digital display entity to generate a digital ID list configured to allow the digital display entity to identify respective users as qualifying for the content item from the provider in response to the users'"'"' digital IDs being included on the digital ID list;

a verification system comprising one or more processors for executing software instructions to;

receive an indication that a user selected the content item displayed by the digital display entity;

transmit, to a user device associated with the user, a request for user authentication information;

receive, from the user device, the user authentication information;

searching the pre-validated user ID list for the user authentication information; and

in response to identifying the user authentication information associated with a pre-validated user ID in the pre-validated user ID list, initiating transmission of a firm offer of goods or services to the user device;

or

in response to not identifying the user authentication information associated with a pre-validated user ID in the pre-validated user ID list, not initiating transmission of a firm offer of goods or services to the user device.

6. The system of claim 5, wherein the verification system and the pre-validation system are operated by a same entity.

7. The system of claim 5, wherein the verification system and the pre-validation system are operated by different entities.

8. The system of claim 5, further comprising:

if the user authentication information is not identified in the pre-validated user ID list, initiating a prequalification process comprising;

transmit, to the user device, a request to access regulated user attributes of the user;

access the regulated user attributes of the user from the regulated database;

determine whether the regulated user attributes of the user meet the pre-validation criteria or alternative qualification criteria of the provider; and

if the regulated user attributes of the user meet the pre-validation criteria or the alternative qualification criteria of the provider, initiating transmission of an offer of goods or services to the user device;

or

if the regulated user attributes of the user do not meet the pre-validation criteria or the alternative qualification criteria of the provider, not initiating transmission of a firm offer of goods or services to the user device.

9. The system of claim 5, wherein the user authentication information comprises name and address of the user.

10. The system of claim 5, wherein the verification system determines a confidence level of authentication based on the user authentication information and authenticates the users only if the confidence level exceeds a predetermined threshold.

11. A system for displaying offers to customers of a digital display entity, the system comprising:

one or more non-transitory computer readable medium storing software instructions;

one or more computer processors configured to execute the software instructions to perform;

a pre-validation process comprising;

receive pre-validation criteria indicating attributes of users that qualify them for a content item from a provider;

access a regulated database of regulated user records including, for each of a plurality of users, a user ID and a plurality of regulated user attributes, wherein access to the regulated user records is regulated by third-party regulations;

for each of the user IDs;

determine whether the plurality of regulated user attributes of the regulated user record meet the pre-validation criteria;

if the pre-validation criteria are met, identify the user ID as pre-validated; and

if the pre-validation criteria are not met, do not identify the user ID as pre-validated;

generate a pre-validated user ID list including each of the pre-validated user IDs, wherein the pre-validated user ID list does not include any regulated user attributes from the regulated database; and

transmit the pre-validated user ID list to a targeting system;

a targeting process comprising;

receive the pre-validated user ID list from a pre-validation system;

receive, from a third-party digital display entity, a digital entity database indicating a plurality of digital user records associated with respective users of a service provided by the digital display entity, each of the digital user records including a digital ID and personal information of the associated user, the digital IDs assigned by the third-party digital display entity and usable to uniquely identify users accessing the service provided by the digital display entity;

search a targeting database for personal user information matching personal information of respective digital user records;

if matching personal user information is identified in the targeting database, add the corresponding digital ID to a digital ID list;

if matching personal user information is not identified in the targeting database, do not add the corresponding digital ID to the digital ID list; and

wherein the digital ID list is configured to allow the digital display entity that comprises a non-transitory computer storage medium storing software instructions to identify respective users as qualifying for the content item from the provider in response to the users'"'"' digital IDs being included on the digital ID list and to initiate transmission of a firm offer of goods or services to the identified users.

12. The system of claim 11, wherein the digital display entity is configured to transmit the content item to qualifying users by audio channels, visual channels, application channels, or electronic mail channels;

wherein the content item comprises an insurance offer and the provider is an insurance provider.

13. The system of claim 11, wherein each digital ID includes an email address, and the digital display entity transmits the content item to qualifying digital IDs via respective email addresses.

14. The system of claim 11, wherein identifying a user ID as pre-validated comprises associating a flag with the pre-validated user ID, wherein the pre-validated user IDs in the pre-validated ID list are identifiable based on associations with the flag.

15. A system for displaying offers to customers of a digital display entity, the system comprising:

one or more non-transitory computer readable medium storing software instructions;

one or more computer processors configured to execute the software instructions to perform;

a pre-validation process comprising;

receive pre-validation criteria indicating attributes of users that qualify them for a content item from a provider;

access a regulated database of regulated user records including, for each of a plurality of users, a regulated user ID and a plurality of regulated user attributes, wherein access to the regulated user records is regulated by third-party regulations;

receive from an external targeting system that comprises a non-transitory computer readable medium storing software instructions, a targeting database comprising a plurality of targeting records associated with respective users, each targeting record including a user ID and associated personal user information;

for respective user IDs of the targeting database;

correlate the user ID with a regulated user record of the regulated database based at least on one or more matches of personal user information associated with the user IDs and corresponding of regulated user attributes of the regulated user records;

determine whether the regulated user attributes of the regulated user record identified as matching the user ID of the targeting database meet the pre-validation criteria;

if the pre-validation criteria are met, identify the user ID as pre-validated; and

if the pre-validation criteria are not met, do not identify the user ID as pre-validated;

generate a pre-validated user ID list including each of the pre-validated user IDs, wherein the pre-validated user ID list does not include any regulated user attributes from the regulated database; and

transmit the pre-validated user ID list to the digital display entity;

wherein the digital display entity comprises a non-transitory computer storage medium storing software instructions to match respective pre-validated user IDs to corresponding digital IDs of the digital display entity to generate a digital ID list configured to allow the digital display entity to identify respective users as qualifying for the content item from the provider in response to the users'"'"' digital IDs being included on the digital ID list;

a verification process comprising;

receive an indication that a user selected the content item displayed by the digital display entity;

transmit, to a user device associated with the user, a request for user authentication information;

receive, from the user device, the user authentication information;

searching the pre-validated user ID list for the user authentication information; and

in response to identifying the user authentication information associated with a pre-validated user ID in the pre-validated user ID list, initiating transmission of a firm offer of goods or services to the user device;

or

in response to not identifying the user authentication information associated with a pre-validated user ID in the pre-validated user ID list, not initiating transmission of a firm offer of goods or services to the user device.

16. The system of claim 15, wherein the verification system and the pre-validation system are operated by a same entity.

17. The system of claim 15, wherein the verification system and the pre-validation system are operated by different entities.

18. The system of claim 15, further comprising:

if the user authentication information is not identified in the pre-validated user ID list, initiating a prequalification process comprising;

transmit, to the user device, a request to access regulated user attributes of the user;

access the regulated user attributes of the user from the regulated database;

determine whether the regulated user attributes of the user meet the pre-validation criteria or alternative qualification criteria of the provider; and

if the regulated user attributes of the user meet the pre-validation criteria or the alternative qualification criteria of the provider, initiating transmission of an offer of goods or services to the user device;

or

if the regulated user attributes of the user do not meet the pre-validation criteria or the alternative qualification criteria of the provider, not initiating transmission of a firm offer of goods or services to the user device.

19. The system of claim 15, wherein the user authentication information comprises name and address of the user.

20. The system of claim 15, wherein the verification system determines a confidence level of authentication based on the user authentication information and authenticates the users only if the confidence level exceeds a predetermined threshold.