Providing identification information to mobile commerce applications

• US 10,115,102 B2
• Filed: 10/13/2014
• Issued: 10/30/2018
• Est. Priority Date: 10/14/2013
• Status: Active Grant

• Current Assignee: Equifax, Inc.
• Original Assignee: Equifax, Inc.
• Inventors: Burrell, John, Dochibhotla, Sekhar, Krishnaswamy, Anand, Fuller, Robert Clark, Hoover, Todd Duncan
• Primary Examiner(s): Hewitt, II, Calvin L
• Assistant Examiner(s): Keritsis, Dennis G
• Application Number:
  US14/512,493
• Publication Number:
  US 20150106270A1
• Time in Patent Office: 1,478 Days
• CPC Class Codes: G06Q 20/0855 involving a third party
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/4016 involving fraud or risk level assessment in transaction processing
• CPC Class Codes: G06Q 20/407 Cancellation of a transaction
• CPC Class Codes: G06Q 30/0267 Wireless devices
• CPC Class Codes: G06Q 30/0631 Item recommendations
• CPC Class Codes: H04L 63/0853 using an additional device, e.g. smartcard, SIM or a different communication terminal cryptographic mechanisms or cryptographic arrangements for entity authentication involving additional secure or trusted devices H04L9/3234

Abstract

Aspects and examples are disclosed for facilitating mobile commerce. In one example, a processing device receives a data network identifier or other identifier from a commerce application. The data network identifier or other identifier can be associated with a mobile device conducting a transaction with the commerce application. The processing device can also obtain a credential associated with the mobile device using the data network identifier. The processing device can additionally retrieve identification information from a credit file associated with the credential. The identification information can be useable for completing the transaction. The processing device can further transmit the identification information to a computing device executing the commerce application.

Claims

1. A method comprising:

storing, by a facilitation server system, a first identification information for a consumer at a first data source and, a second identification information for the consumer at a second data source, wherein the second identification information comprises a credit file and a credit card number for the consumer;

linking, by the facilitation server system, the first identification information in the first data source and the second identification information in the second data source via a referential keying system;

establishing, by the facilitation server system, a first network connection with an electronic commerce computing system;

receiving, by the facilitation server system and via the first network connection to the electronic commerce computing system, a communication from the electronic commerce computing system;

obtaining, by the facilitation server system, a network identifier from the communication, wherein the network identifier is associated with a mobile device;

establishing, by the facilitation server system, a second network connection to a telecommunication computing system, wherein establishing the second network connection comprises authenticating the facilitation server system to the telecommunication computing system;

providing, by the facilitation server system, the network identifier to the telecommunication computing system via the second network connection;

obtaining, by the facilitation server system and from the telecommunication computing system, a credential associated with the mobile device;

matching, by the facilitation server system, the credential obtained from the telecommunication computing system to the first identification information in the first data source;

retrieving, by the facilitation server system, the second identification information that is linked to the first identification information;

determining, by the facilitation server system, that the credit card number is required for completing a transaction;

selecting, by the facilitation server system, the credit card number from the second identification information; and

transmitting, from the facilitation server system to the electronic commerce computing system, an electronic communication including the credit card number selected from the second identification information.

2. The method of claim 1, wherein the network identifier comprises one or more of an IP address of the mobile device, SIM card information for the mobile device, and a phone number of the mobile device.

3. The method of claim 1, further comprising:

receiving, by the facilitation server system, a credit verification request for the consumer;

performing, by the facilitation server system and based on the credit file and the credential, a credit verification operation in response to receiving the credit verification request; and

transmitting, by the facilitation server system, results of the credit verification operation.

4. The method of claim 1, further comprising:

receiving, by the facilitation server system, a credit verification request for the consumer, wherein the credit verification request includes at least some of the first identification information or the second identification information; and

performing, by the facilitation server system and based on the credit file, a credit verification operation in response to receiving the credit verification request; and

updating, by the facilitation server system, the credit file with the at least some of the first identification information or the second identification information.

5. The method of claim 4, wherein performing the credit verification request comprises determining whether the transaction is indicative of fraudulent activity associated with the consumer.

6. The method of claim 5, further comprising:

determining, by the facilitation server system, that the transaction is indicative of the fraudulent activity; and

transmitting, by the facilitation server system, a warning to the electronic commerce computing system to terminate the transaction.

7. The method of claim 1, wherein linking the first identification information and the second identification information comprises matching, in the first data source and the second data source, at least one of a name of the consumer conducting the transaction, a social security number associated with the consumer, or a geographic address associated with the consumer.

8. The method of claim 1, further comprising encrypting, by the facilitation server system, the credit card number prior to transmitting the credit card number to the electronic commerce computing system, wherein the credit card number, as encrypted, is transmitted via the first network connection.

9. The method of claim 1, further comprising:

determining, by the facilitation server system, whether the consumer is eligible to receive a product or service based on one or more of the first identification information and the second identification information; and

transmitting, by the facilitation server system and via a third network connection, information associated with the product or service to the mobile device associated the consumer.

10. The method of claim 9, wherein the product or service comprises a financial product or service from a third party lender.

11. A facilitation server system comprising:

a processing device; and

a non-transitory computer-readable medium storing instructions that,

when executed by the processing device, cause the processing device to perform operations comprising;

storing a first identification information for a consumer at a first data source and a second identification information for the consumer at a second data source, wherein the second identification information comprises a credit file and a credit card number for the consumer,

linking the first identification information in the first data source and the second identification information in the second data source via a referential keying system,

establishing a first network connection with an electronic commerce computing system,

receiving, via the first network connection to the electronic commerce computing system, a communication from the electronic commerce computing system,

obtaining a network identifier from the communication, wherein the network identifier is associated with a mobile device,

establishing a second network connection to a telecommunication computing system, wherein establishing the second network connection comprises authenticating the facilitation server system to the telecommunication computing system,

providing the network identifier to the telecommunication computing system via the second network connection,

obtaining, from the telecommunication computing system, a credential associated with the mobile device from communications received from the telecommunication computing system,

matching the credential obtained from the telecommunication computing system to the first identification information in the first data source,

retrieving the second identification information that is linked to the first identification information,

determining that the credit card number is required for completing a transaction,

selecting the credit card number from the second identification information, and

transmitting, to the electronic commerce computing system, an electronic communication including the credit card number selected from the second identification information.

12. The system of claim 11, wherein the operations further comprise:

receiving a credit verification request for the consumer;

performing, based on the credit file and the credential, a credit verification operation in response to receiving the credit verification request; and

transmitting results of the credit verification operation.

13. The system of claim 11, wherein the operations further comprise:

receiving a credit verification request for the consumer, wherein the credit verification request includes at least some of the first identification information or the second identification information; and

performing, based on the credit file, a credit verification operation in response to receiving the credit verification request; and

updating the credit file with the at least some of the first identification information or the second identification information.

14. The system of claim 13, wherein performing the credit verification request comprises determining whether the transaction is indicative of fraudulent activity associated with the consumer.

15. The system of claim 14, where the operations further comprise:

determining that the transaction is indicative of the fraudulent activity; and

transmitting a warning to the electronic commerce computing system to terminate the transaction.

16. The system of claim 11, wherein linking the first identification information and the second identification information comprises matching, in the first data source and the second data source, at least one of a name of the consumer conducting the transaction, a social security number associated with the consumer, or a geographic address associated with the consumer.

17. The system of claim 11, the operations further comprising encrypting the credit card number prior to transmitting the credit card number to the electronic commerce computing system, wherein the credit card number, as encrypted, is transmitted via the first network connection.

18. The system of claim 11, where the operations further comprise:

determining whether the consumer is eligible to receive a product or service based on one or more of the first identification information and the second identification information; and

transmitting, via a third network connection, information associated with the product or service to the mobile device associated with the consumer.

19. The system of claim 18, wherein the product or service comprises a financial product or service from a third party lender.

20. A non-transitory computer-readable medium storing instructions that when executed by one or more processing devices of a facilitation server system, cause the one or more processing devices to perform operations comprising:

storing a first identification information for a consumer at a first data source and a second identification information for the consumer at a second data source, wherein the second identification information comprises a credit file and a credit card number for the consumer;

linking the first identification information in the first data source and the second identification information in the second data source via a referential keying system;

establishing a first network connection with an electronic commerce computing system;

receiving, via the first network connection to the electronic commerce computing system, a communication from the electronic commerce computing system;

obtaining a network identifier from the communication, wherein the network identifier is associated with a mobile device;

establishing a second network connection to a telecommunication computing system, wherein establishing the second network connection comprises authenticating the facilitation server system to the telecommunication computing system;

providing the network identifier to the telecommunication computing system via the second network connection;

obtaining, from the telecommunication computing system, a credential associated with the mobile device;

matching the credential obtained from the telecommunication computing system to the first identification information in the first data source;

retrieving the second identification information that is linked to the first identification information;

determining that the credit card number is required for completing a transaction;

selecting the credit card number from the second identification information; and

transmitting, to the electronic commerce computing system, an electronic communication including the credit card number selected from the second identification information.

21. The non-transitory computer-readable medium of claim 20, the operations further comprising:

receiving a credit verification request for the consumer, wherein the credit verification request includes at least some of the first identification information or the second identification information; and

performing, based on the credit file, a credit verification operation in response to receiving the credit verification request; and

updating the credit file with the at least some of the first identification information or the second identification information.

22. The non-transitory computer-readable medium of claim 21, wherein performing the credit verification request comprises determining whether the transaction is indicative of fraudulent activity associated with the consumer, wherein the operations further comprise:

determining that the transaction is indicative of the fraudulent activity; and

transmitting a warning to the electronic commerce computing system to terminate the transaction.