System for processing an even request by determining a matching user profile based on user identifying information

• US 10,284,538 B2
• Filed: 10/26/2016
• Issued: 05/07/2019
• Est. Priority Date: 10/26/2016
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Moiyallah, Jr., Samuel Massa, Castinado, Joseph Benjamin, Moss, Susan J.
• Primary Examiner(s): Patel, Haresh N
• Application Number:
  US15/335,009
• Publication Number:
  US 20180115540A1
• Time in Patent Office: 923 Days
• Field of Search: 726 7
• CPC Class Codes: G06F 21/316 by observing the pattern of computer usage, e.g. typical user behaviour
• CPC Class Codes: G06F 2221/2111 Location-sensitive, e.g. geographical location, GPS
• CPC Class Codes: H04L 63/0492 by using a location-limited connection, e.g. near-field communication or limited proximity of entities
• CPC Class Codes: H04L 63/06 for supporting key management in a packet data network cryptographic mechanisms or cryptographic arrangements for key management H04L9/08
• CPC Class Codes: H04L 63/08 for authentication of entities cryptographic mechanisms or cryptographic arrangements for entity authentication H04L9/32
• CPC Class Codes: H04L 63/0853 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
• CPC Class Codes: H04L 63/102 Entity profiles
• CPC Class Codes: H04W 12/06 Authentication

Abstract

Disclosed is an event processing and identity validation system. The system typically includes a processor, a memory, and an event processing and identity validation module stored in the memory. The system is typically configured for: validating a set of identity information for each profile of a set of profiles, receiving an event request comprising user identifying information, comparing the user identifying information with the sets of identity information of the set of profiles to determine a matching profile, processing the event request by generating an authentication code, notifying the user of the event request, determining that a device of the user is within a defined distance of an authentication location and automatically transmitting the generated authentication code to the device of the user, receiving a key code from a computing device, and determining a match between the key code and the authentication code to complete the event request.

Claims

1. A system for processing electronic events, whereby the system provides validation of identity, the system comprising:

a computer apparatus including a processor and a memory; and

a software module stored in the memory, comprising executable instructions that when executed by the processor cause the processor to;

identify a set of profiles associated with a set of users;

for each profile of the set of profiles, identify a set of identity information;

for each profile of the set of profiles, validate the set of identity information;

receive an event request, wherein the event request comprises user identifying information;

compare the user identifying information with the sets of identity information of the set of profiles;

determine a matching profile from the set of profiles based on comparing the user identifying information and the sets of identity information of the set of profiles, wherein the matching profile is associated with a user;

in response to determining the matching profile, process the event request;

generate an authentication code in response to processing the event request;

associate the generated authentication code with the event request;

notify the user of the event request;

determine that a device of the user is within a defined distance of an authentication location and, based on determining that the device of the user is within the defined distance of the authentication location, automatically transmit the generated authentication code to the device of the user;

receive a key code from a computing device, wherein the computing device receives the key code as an input from the user;

compare the received key code with the generated authentication code;

determine a match between the received key code and generated authentication code; and

in response to determining the match between the received key code and generated authentication code, complete the event request.

2. The system of claim 1, wherein the software module stored in the memory comprises executable instructions that when executed by the processor further causes the processor to:

notify the user of the event request in response to processing the event request;

prompt the user to upload a user image;

receive the user image from the computing device;

validate the user image by comparing information from the user image with the set of identity information associated with the matching profile;

upon successful validation, complete the event request.

3. The system of claim 1, wherein the user identifying information comprises a first image, wherein determining the matching profile further comprises:

extracting information from the first image;

comparing the extracted information from the first image with the sets of identity information of the set of profiles to determine the matching profile.

4. The system of claim 3 wherein the software module stored in the memory comprises executable instructions that when executed by the processor further causes the processor to:

notify the user of the event request in response to processing the event request;

prompt the user to upload an user image;

receive the user image from the computing device;

validate the user image by comparing information from the user image with the information from the first image; and

upon successful validation, complete the event request.

5. The system of claim 1 wherein, for each profile of the set of profiles, validating the set of identity information is performed periodically.

6. The system of claim 1, wherein the system is maintained by an entity and the event request is transmitted by the entity.

7. The system of claim 1, wherein the event request is transmitted by a third party system, wherein validating the event request comprises sending a validation message to the third party system and transmitting at least a portion of the set of identity information of the matching profile.

9. The system of claim 1, wherein validating the set of identity information comprises implementing a set of routines, wherein the set of routines comprises communicating with one or more third party systems associated with the set of identity information to verify if the at least a portion of the set of identity information is still active.

8. A computer program product for processing electronic events, wherein the computer program product comprises a non-transitory computer-readable storage medium having computer-executable instructions to:

identify a set of profiles associated with a set of users;

for each profile of the set of profiles, identify a set of identity information;

for each profile of the set of profiles, validate the set of identity information;

receive an event request, wherein the event request comprises user identifying information;

compare the user identifying information with the sets of identity information of the set of profiles;

determine a matching profile from the set of profiles based on comparing the user identifying information and the sets of identity information of the set of profiles, wherein the matching profile is associated with a user;

in response to determining the matching profile, process the event request;

generate an authentication code in response to processing the event request;

associate the generated authentication code with the event request;

notify the user of the event request;

determine that a device of the user is within a defined distance of an authentication location and, based on determining that the device of the user is within the defined distance of the authentication location, automatically transmit the generated authentication code to the device of the user;

receive a key code from a computing device, wherein the computing device receives the key code as an input from the user;

compare the received key code with the generated authentication code;

determine a match between the received key code and generated authentication code; and

in response to determining the match between the received key code and generated authentication code, complete the event request.

10. The computer program product of claim 8, wherein the non-transitory computer-readable storage medium further comprises computer-executable instructions to:

notify the user of the event request in response to processing the event request;

prompt the user to upload a user image;

receive the user image from the computing device;

validate the user image by comparing information from the user image with the set of identity information associated with the matching profile;

upon successful validation, complete the event request.

11. The computer program product of claim 8, wherein the user identifying information comprises a first image, wherein the non-transitory computer-readable storage medium further comprises computer-executable instructions to determine the matching profile by extracting information from the first image and comparing the extracted information from the first image with the sets of identity information of the set of profiles.

12. The computer program product of claim 11, wherein the non-transitory computer-readable storage medium further comprises computer-executable instructions to:

notify the user of the event request in response to processing the event request;

prompt the user to upload an user image;

receive the user image from the computing device;

validate the user image by comparing information from the user image with the information from the first image; and

upon successful validation, complete the event request.

13. The computer program product of claim 8, wherein the non-transitory computer-readable storage medium further comprises computer-executable instructions to validate the set of identity information for each profile of the set of profiles periodically.

15. The computer program product of claim 8, wherein the non-transitory computer-readable storage medium further comprises computer-executable instructions to validate the set of identity information comprises implementing a set of routines, wherein the set of routines comprises communicating with one or more third party systems associated with the set of identity information to verify if the at least a portion of the set of identity information is still active.

14. A method for validating identity and processing electronic events, wherein the method comprises:

identifying a set of profiles associated with a set of users;

for each profile of the set of profiles, identifying a set of identity information;

for each profile of the set of profiles, validating the set of identity information;

receiving an event request, wherein the event request comprises user identifying information;

comparing the user identifying information with the sets of identity information of the set of profiles;

determining a matching profile from the set of profiles based on comparing the user identifying information and the sets of identity information of the set of profiles, wherein the matching profile is associated with a user;

in response to determining the matching profile, processing the event request;

generating an authentication code in response to validating the event request;

associating the generated authentication code with the event request;

notifying the user of the event request;

determining that a device of the user is within a defined distance of an authentication location and, based on determining that the device of the user is within the defined distance of the authentication location, automatically transmit the generated authentication code to the device of the user;

receiving a key code from a computing device, wherein the computing device receives the key code as an input from the user;

comparing the received key code with the generated authentication code;

determining a match between the received key code and generated authentication code; and

in response to determining the match between the received key code and generated authentication code, completing the event request.

16. The method according to claim 14, wherein the method further comprises:

notifying the user of the event request in response to processing the event request;

prompting the user to upload a user image;

receiving the user image from the computing device;

validating the user image by comparing information from the user image with the set of identity information associated with the matching profile;

upon successful validation, completing the event request.

17. The method according to claim 14, wherein the user identifying information comprises a first image, wherein determining the matching profile further comprises:

extracting information from the first image;

comparing the extracted information from the first image with the sets of identity information of the set of profiles to determine the matching profile.

18. The method according to claim 17, wherein the method further comprises:

notifying the user of the event request in response to validating the event request;

prompting the user to upload an user image;

receiving the user image from the computing device;

validating the user image by comparing information from the user image with the information from the first image; and

upon successful validation, completing the event request.

19. The method according to claim 14, wherein validating the set of identity information is performed periodically.

20. The method according to claim 14, wherein validating the set of identity information comprises implementing a set of routines, wherein the set of routines comprises communicating with one or more third party systems associated with the set of identity information to verify if the at least a portion of the set of identity information is still active.