Computational systems and methods for verifying personal information during transactions

• US 10,185,814 B2
• Filed: 12/30/2011
• Issued: 01/22/2019
• Est. Priority Date: 09/07/2011
• Status: Active Grant

• Current Assignee: Elwha LLC (Intellectual Ventures LLC)
• Original Assignee: Elwha LLC (Intellectual Ventures LLC)
• Inventors: Davis, Marc E., Dyor, Matthew G., Gates, William, Huang, Xuedong, Hyde, Roderick A., Jung, Edward K. Y., Kare, Jordin T., Levien, Royce A., Lord, Richard T., Lord, Robert W., Lu, Qi, Malamud, Mark A., Myhrvold, Nathan P., Nadella, Satya, Reed, Daniel, Shum, Harry, Tegreene, Clarence T., Wood, Jr., Lowell L.
• Primary Examiner(s): Avellino, Joseph E
• Assistant Examiner(s): Wu, Tsung Y
• Application Number:
  US13/374,523
• Publication Number:
  US 20130061332A1
• Time in Patent Office: 2,580 Days
• Field of Search: 705 141- 1473, 715200-277, 709224
• CPC Class Codes: G06F 21/316 by observing the pattern of computer usage, e.g. typical user behaviour
• CPC Class Codes: G06Q 20/3229 Use of the SIM of a M-device as secure element
• CPC Class Codes: G06Q 20/384 using social networks
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/409 Device specific authentication in transaction processing
• CPC Class Codes: H04L 63/08 for authentication of entities cryptographic mechanisms or cryptographic arrangements for entity authentication H04L9/32
• CPC Class Codes: H04L 63/0861 using biometrical features, e.g. fingerprint, retina-scan cryptographic mechanisms or cryptographic arrangements for entity authentication using biological data H04L9/3231
• CPC Class Codes: H04L 63/0876 based on the identity of the terminal or configuration, e.g. MAC address, hardware or software configuration or device fingerprint

Abstract

Methods, apparatuses, computer program products, devices and systems are described that carry out accessing at least one persona that includes a unique identifier that is at least partly based on a first user'"'"'s device-identifier data and the first user'"'"'s network-participation data; verifying the persona by comparing the first user'"'"'s device-identifier data and the first user'"'"'s network-participation data of the unique identifier to a second user'"'"'s device-identifier data and the second user'"'"'s network-participation data; and presenting the persona in response to a request for personal information.

Claims

1. A system, comprising:

(a) circuitry configured for receiving at least one indication of at least one transaction between at least one purchaser and at least one online vendor, including at least receiving at least one indication of a request from the at least one online vendor for information regarding the at least one purchaser, the circuitry configured for receiving further configured for receiving the at least one purchaser'"'"'s device-identifier data and the at least one purchaser'"'"'s network-participation data responsive at least in part to the receiving the at least one indication of the at least one transaction, wherein the at least one purchaser'"'"'s network participation data includes at least a digital facial image associated with the at least one purchaser;

(b) circuitry configured for accessing at least one persona at least partly based on at least one of the at least one purchaser'"'"'s device-identifier data or the at least one purchaser'"'"'s network-participation data received in relation to the at least one transaction, including at least;

(1) circuitry configured for selecting the at least one persona from a plurality of personas based at least in part on an evaluation of the at least one transaction, wherein the at least one persona includes at least a first set of information associated with the at least one purchaser and wherein at least one other persona of the plurality of personas includes at least a second set of information associated with the at least one purchaser;

(c) circuitry configured for verifying the at least one persona, including at least comparing the at least one purchaser'"'"'s device-identifier data and the at least one purchaser'"'"'s network-participation data received in relation to the at least one transaction with reference device-identifier data and reference network-participation data associated with the accessed at least one persona, wherein the circuitry configured for verifying is configured to perform the comparing at least in part by comparing the digital facial image received in relation to the at least one transaction with a reference digital facial image associated with the accessed at least one persona; and

(d) circuitry configured for presenting to the at least one online vendor the at least one persona on behalf of the at least one purchaser at least partly based on verifying the at least one persona.

2. The system of claim 1, wherein circuitry configured for receiving at least one indication of at least one transaction between at least one purchaser and at least one online vendor, including at least receiving at least one indication of a request from the at least one online vendor for information regarding the at least one purchaser, the circuitry configured for receiving further configured for receiving the at least one purchaser'"'"'s device-identifier data and the at least one purchaser'"'"'s network-participation data responsive at least in part to the receiving the at least one indication of the at least one transaction comprises:

at least one of;

circuitry configured for receiving, at a persona custodian, at least one indication of at least one transaction between at least one purchaser and at least one online vendor, including at least receiving at least one request from the at least one online vendor for information regarding the at least one purchaser, the at least one purchaser identified to the persona custodian solely via at least one of the at least one purchaser'"'"'s device-identifier data and the at least one purchaser'"'"'s network-participation data;

circuitry configured for receiving at least one indication of at least one transaction between at least one purchaser and at least one online vendor, including at least receiving at least one request from the at least one online vendor for information regarding the at least one purchaser, the at least one purchaser'"'"'s device-identifier data including at least one of a UDID, MAC address, SIM data, IP address, or IMEI for at least one user device associated with initiating the at least one transaction;

or

circuitry configured for receiving at least one indication of at least one transaction between at least one purchaser and at least one online vendor, including at least receiving at least one request from the at least one online vendor for information regarding the at least one purchaser, the at least one purchaser'"'"'s network-participation data including at least one of at least one Facebook account, at least one Twitter account, or at least one gmail account.

3. The system of claim 1, wherein circuitry configured for accessing at least one persona at least partly based on at least one of the at least one purchaser'"'"'s device-identifier data or the at least one purchaser'"'"'s network-participation data received in relation to the at least one transaction comprises:

at least one of;

circuitry configured for accessing at least one persona stored by a persona custodian to verify at least one identity of the at least one purchaser at least partly based on at least one of the at least one purchaser'"'"'s device-identifier data or the at least one purchaser'"'"'s network-participation data received in relation to the at least one transaction;

or

circuitry configured for accessing at least one persona indicative of at least one verified real-world user at least partly based on at least one of the at least one purchaser'"'"'s device-identifier data or the at least one purchaser'"'"'s network-participation data received in relation to the at least one transaction.

4. The system of claim 1, wherein circuitry configured for verifying the at least one persona, including at least comparing the at least one purchaser'"'"'s device-identifier data and the at least one purchaser'"'"'s network-participation data received in relation to the at least one transaction with reference device-identifier data and reference network-participation data associated with the accessed at least one persona comprises:

circuitry configured for verifying that the at least one purchaser associated with initiating the at least one transaction is at least one verified real-world user at least partly based on the at least one persona, including at least comparing the at least one purchaser'"'"'s device-identifier data and the at least one purchaser'"'"'s network-participation data received in relation to the at least one transaction with reference device-identifier data and reference network-participation data associated with the accessed at least one persona.

5. The system of claim 4, wherein circuitry configured for verifying that the at least one purchaser associated with initiating the at least one transaction is at least one verified real-world user at least partly based on the at least one persona, including at least comparing the at least one purchaser'"'"'s device-identifier data and the at least one purchaser'"'"'s network-participation data received in relation to the at least one transaction with reference device-identifier data and reference network-participation data associated with the accessed at least one persona comprises:

circuitry configured for retrieving reference device-identifier data from at least one persona accessed via matching the at least one purchaser'"'"'s network-participation identifier data received in relation to the at least one transaction with reference network-participation data of the at least one persona;

circuitry configured for comparing the retrieved reference device-identifier data with the at least one purchaser'"'"'s device-identifier data received in relation to the at least one transaction; and

circuitry configured for verifying that the at least one purchaser associated with initiating the at least one transaction is the at least one verified real-world user associated with the at least one persona if the retrieved reference device-identifier data matches the at least one purchaser'"'"'s device-identifier data received in relation to the at least one transaction.

6. The system of claim 5, further comprising:

circuitry for signaling that the at least one purchaser associated with initiating the at least one transaction is not the at least one verified real-world user associated with the at least one persona if the retrieved reference device-identifier data does not match the at least one purchaser'"'"'s device-identifier data received in relation to the at least one transaction.

7. The system of claim 1, wherein circuitry configured for verifying the at least one persona, including at least comparing the at least one purchaser'"'"'s device-identifier data and the at least one purchaser'"'"'s network-participation data received in relation to the at least one transaction with reference device-identifier data and reference network-participation data associated with the accessed at least one persona, wherein the circuitry configured for verifying is configured to perform the comparing at least in part by comparing the digital facial image received in relation to the at least one transaction with a reference digital facial image associated with the accessed at least one persona comprises:

including at least one of;

circuitry configured for verifying the at least one persona, including at least comparing the at least one purchaser'"'"'s device-identifier data and the at least one purchaser'"'"'s network-participation data received in relation to the at least one transaction with reference device-identifier data and reference network-participation data associated with the accessed at least one persona to verify that the at least one purchaser and at least one verified real-world user associated with the at least one persona are the same person;

or

circuitry configured for verifying the at least one persona at least in part by comparing the digital facial image received in relation to the at least one transaction with a reference digital facial image associated with a social media account that is associated with the at least one persona.

8. The system of claim 1, wherein circuitry configured for presenting to the at least one online vendor the at least one persona on behalf of the at least one purchaser at least partly based on verifying the at least one persona comprises:

at least one of;

circuitry configured for presenting the at least one persona, including presenting at least an indication that at least one persona is verified with respect to a real world user by a telecommunications carrier;

or

circuitry configured for presenting the at least one persona, including presenting at least an indication that at least one persona is verified with respect to a real world user by a bank.

9. The system of claim 1, wherein circuitry configured for receiving at least one indication of at least one transaction between at least one purchaser and at least one online vendor, including at least receiving at least one indication of a request from the at least one online vendor for information regarding the at least one purchaser, the circuitry configured for receiving further configured for receiving the at least one purchaser'"'"'s device-identifier data and the at least one purchaser'"'"'s network-participation data responsive at least in part to the receiving the at least one indication of the at least one transaction comprises:

at least one of;

circuitry configured for receiving at least one request from the at least one online vendor for information regarding the at least one purchaser without intervention by a user;

circuitry configured for receiving at least one indication of at least one transaction between at least one purchaser and at least one online vendor, including at least receiving at least one request from the at least one online vendor for information regarding the at least one purchaser, the at least one purchaser'"'"'s device-identifier data including at least one telephone number of at least one user device associated with initiating the at least one transaction;

or

circuitry configured for receiving at least one indication of at least one transaction between at least one purchaser and at least one online vendor, including at least receiving at least one request from the at least one online vendor for information regarding the at least one purchaser, the at least one purchaser'"'"'s device-identifier data including at least one email address of the at least one purchaser at least one of provided by the at least one purchaser in association with initiating the at least one transaction or used as a login to at least one mobile application concurrent with initiation of the at least one transaction.

10. The system of claim 4, wherein circuitry configured for verifying that the at least one purchaser associated with initiating the at least one transaction is at least one verified real-world user at least partly based on the at least one persona, including at least comparing the at least one purchaser'"'"'s device-identifier data and the at least one purchaser'"'"'s network-participation data received in relation to the at least one transaction with reference device-identifier data and reference network-participation data associated with the accessed at least one persona comprises:

circuitry configured for retrieving reference network-participation identifier data from at least one persona accessed via matching the at least one purchaser'"'"'s device-identifier data received in relation to the at least one transaction with reference device-identifier data of the at least one persona;

circuitry configured for comparing the retrieved reference network-participation identifier data with the at least one purchaser'"'"'s network-participation identifier data received in relation to the at least one transaction; and

circuitry configured for verifying that the at least one purchaser associated with initiating the at least one transaction is the at least one verified real-world user associated with the at least one persona if the retrieved reference network-participation identifier data matches the at least one purchaser'"'"'s network-participation identifier data received in relation to the at least one transaction and, if the retrieved reference network-participation identifier data does not match the at least one purchaser'"'"'s network-participation identifier data received in relation to the at least one transaction, signaling that the at least one purchaser associated with initiating the at least one transaction is not the at least one verified real-world user associated with the at least one persona.

11. The system of claim 1, wherein the circuitry configured for verifying the at least one persona, including at least comparing the at least one purchaser'"'"'s device-identifier data and the at least one purchaser'"'"'s network-participation data received in relation to the at least one transaction with reference device-identifier data and reference network-participation data associated with the accessed at least one persona, wherein the circuitry configured for verifying is configured to perform the comparing at least in part by comparing the digital facial image received in relation to the at least one transaction with a reference digital facial image associated with the accessed at least one persona comprises:

at least one of;

circuitry configured for verifying the at least one persona at least in part by comparing the digital facial image received in relation to the at least one transaction with a reference digital facial image associated with a profile for a social media account that includes at least one of Facebook, Twitter, Google+, LinkedIn, or Gmail;

or

circuitry configured for verifying the at least one persona at least in part by using at least facial recognition technology to compare the received digital facial image with a reference digital facial image that is associated with the accessed at least one persona.

12. The system of claim 1, wherein said circuitry configured for selecting at least one persona from a plurality of personas based at least in part on an evaluation of the at least one transaction, wherein the at least one persona includes at least a first set of information associated with the at least one purchaser and wherein at least one other persona of the plurality of personas includes at least a second set of information associated with the at least one purchaser comprises:

circuitry configured for selecting at least one persona that includes at least a unique identifier that is associated with a directory of unique identifiers in which unique identifiers of the directory are based at least in part on unique pairings of device-identifier data and network participation identifier data, and wherein the unique identifiers of the directory of unique identifiers are associated with verified real-world persons.

13. The system of claim 1, wherein said circuitry configured for selecting at least one persona from a plurality of personas based at least in part on an evaluation of the at least one transaction, wherein the at least one persona includes at least a first set of information associated with the at least one purchaser and wherein at least one other persona of the plurality of personas includes at least a second set of information associated with the at least one purchaser comprises:

circuitry configured for selecting the at least one persona over at least one other persona of the plurality of personas based at least in part on a dollar value associated with the at least one transaction.

14. The system of claim 1, wherein said circuitry configured for selecting at least one persona from a plurality of personas based at least in part on an evaluation of the at least one transaction, wherein the at least one persona includes at least a first set of information associated with the at least one purchaser and wherein at least one other persona of the plurality of personas includes at least a second set of information associated with the at least one purchaser comprises:

circuitry configured for selecting the at least one persona over at least one other persona of the plurality of personas based at least in part on at least one of an identity of the at least one online vendor, a discount applicable to the at least one transaction that is offered by the at least one online vendor in exchange for a first level of information associated with the at least one purchaser, or an increase in price applicable to the at least one transaction that is offered by the at least one online vendor in exchange for second level of information associated with the at least one purchaser, wherein the first level of information includes a greater level of information than the second level of information.

15. The system of claim 1, wherein said circuitry configured for selecting at least one persona from a plurality of personas based at least in part on an evaluation of the at least one transaction, wherein the at least one persona includes at least a first set of information associated with the at least one purchaser and wherein at least one other persona of the plurality of personas includes at least a second set of information associated with the at least one purchaser comprises:

circuitry configured for selecting the at least one persona over at least one other persona of the plurality of personas based at least in part on the at least one persona including additional information associated with the at least one purchaser that is not included in the at least one other persona, the additional information including at least one of credit information, credit history, or personal financial asset data, wherein both the at least one persona and the at least one other persona include at least reference network participation data and reference device identifier data.

16. The system of claim 1, wherein said circuitry configured for selecting at least one persona from a plurality of personas based at least in part on an evaluation of the at least one transaction, wherein the at least one persona includes at least a first set of information associated with the at least one purchaser and wherein at least one other persona of the plurality of personas includes at least a second set of information associated with the at least one purchaser comprises:

circuitry configured for selecting the at least one persona over at least one other persona of the plurality of personas based at least in part on one or more rules that are at least a portion of a ruleset pre-programmed into persona selection circuitry.

17. The system of claim 1, wherein at least the circuitry configured for accessing, including at least the circuitry for selecting, is at least partially located within at least one of (1) a user computing device that is communicably linked via one or more networks with one or more computing devices associated with the at least one online vendor or (2) a server that is communicably linked via one or more networks with one or more computing devices associated with the at least one online vendor.

18. The system of claim 1, wherein said circuitry configured for receiving at least one indication of at least one transaction between at least one purchaser and at least one online vendor, including at least receiving at least one indication of a request from the at least one online vendor for information regarding the at least one purchaser, the circuitry configured for receiving further configured for receiving the at least one purchaser'"'"'s device-identifier data and the at least one purchaser'"'"'s network-participation data responsive at least in part to the receiving the at least one indication of the at least one transaction, wherein the at least one purchaser'"'"'s network participation data includes at least a digital facial image associated with the at least one purchaser comprises:

circuitry for receiving a digital facial image associated with the at least one purchaser that is captured during the at least one transaction.

19. A method, comprising:

(a) receiving at least one indication of at least one transaction between at least one purchaser and at least one online vendor, including at least receiving at least one indication of one request from the at least one online vendor for information regarding the at least one purchaser, including at least receiving the at least one purchaser'"'"'s device-identifier data and the at least one purchaser'"'"'s network-participation data, wherein the at least one purchaser'"'"'s network participation data includes at least a digital facial image associated with the at least one purchaser;

(b) accessing at least one persona at least partly based on at least one of the at least one purchaser'"'"'s device-identifier data or the at least one purchaser'"'"'s network-participation data received in relation to the at least one transaction, including at least;

(1) selecting the at least one persona from a plurality of personas based at least in part on an evaluation of the at least one transaction, wherein the at least one persona includes at least a first set of information associated with the at least one purchaser and wherein at least one other persona of the plurality of personas includes at least a second set of information associated with the at least one purchaser;

(c) verifying the at least one persona, including at least comparing the at least one purchaser'"'"'s device-identifier data and the at least one purchaser'"'"'s network-participation data received in relation to the at least one transaction with reference device-identifier data and reference network-participation data associated with the accessed at least one persona, wherein the comparing includes at least comparing the digital facial image received in relation to the at least one transaction with a reference digital facial image associated with the accessed at least one persona; and

(d) presenting to the at least one online vendor the at least one persona at least partly based on verifying the at least one persona,

wherein at least one of the receiving, accessing, verifying, or presenting is at least partly implemented using at least one processing device.

20. A system, comprising:

a computing device; and

one or more instructions which, when executed by the computing device, cause the computing device to perform one or more operations including at least;

(a) receiving at least one indication of at least one transaction between at least one purchaser and at least one online vendor, including at least receiving at least one request from the at least one online vendor for information regarding the at least one purchaser, the receiving including at least receiving the at least one purchaser'"'"'s device-identifier data and the at least one purchaser'"'"'s network-participation data, wherein the at least one purchaser'"'"'s network participation data includes at least a digital facial image associated with the at least one purchaser;

(b) accessing at least one persona at least partly based on at least one of the at least one purchaser'"'"'s device-identifier data or the at least one purchaser'"'"'s network-participation data received in relation to the at least one transaction, including at least;

(1) selecting the at least one persona from a plurality of personas based at least in part on an evaluation of the at least one transaction, wherein the at least one persona includes at least a first set of information associated with the at least one purchaser and wherein at least one other persona of the plurality of personas includes at least a second set of information associated with the at least one purchaser;

(c) verifying the at least one persona, including at least comparing the at least one purchaser'"'"'s device-identifier data and the at least one purchaser'"'"'s network-participation data received in relation to the at least one transaction with reference device-identifier data and reference network-participation data associated with the accessed at least one persona, wherein the comparing includes at least comparing the digital facial image received in relation to the at least one transaction with a reference digital facial image associated with the accessed at least one persona; and

(d) presenting to the at least one online vendor the at least one persona at least partly based on verifying the at least one persona.