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

• US 10,685,133 B1
• Filed: 06/11/2018
• Issued: 06/16/2020
• 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:
  US16/005,396
• Time in Patent Office: 736 Days
• 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 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, a plurality of targeting records associated with respective users, each targeting record including a user ID and associated personal user information;

for each of the user IDs of the plurality of targeting records;

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 of the user IDs and corresponding to the plurality of regulated user attributes of the regulated user records;

determine whether the plurality of regulated user attributes of the regulated user record identified as matching the user ID of the targeting 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 includes non-regulated user information from the regulated database in order to identify a user associated with the pre-validated user ID; and

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

wherein the digital display entity is configured to match respective pre-validated user IDs to corresponding digital display IDs of users of the digital display entity, generating 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 display IDs being included on the digital ID list.

2. The system of claim 1, 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 the content item comprises an insurance offer and the provider is an insurance provider.

4. The system of claim 1, wherein the digital display entity is further configured to transmit the content item to qualifying users by audio channels, visual channels, application channels, or electronic mail channels.

5. The system of claim 1, wherein each digital ID includes an email address, and the digital display entity is further configured to transmit the content item to qualifying digital IDs via respective email addresses.

6. 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.

7. The system of claim 1, wherein the pre-validation system and digital display entity are operated by a same entity.

8. The system of claim 1, wherein the pre-validation system and the targeting system are operated by a same entity.

19. The system of claim 1, wherein the software instructions executed by the one or more processors of the pre-validation system do not use cookie data.

20. The system of claim 1, wherein the software instructions executed by the one or more processors of the pre-validation system does not use browser data from a user computing device.

9. 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;

generate a pre-validated user ID list based on accessed regulated data from a regulated database of regulated user records including, for each user, a regulated user ID and a plurality of regulated user attributes, wherein the pre-validated user ID list includes a plurality of pre-validated user IDs indicating users that are preapproved for a content offer, wherein the pre-validated user ID list does not include any regulated user attributes from the regulated database and includes non-regulated user information from the regulated database in order to identify a user associated with the pre-validated user ID;

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

wherein the digital display entity is configured 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 one or more authentication items;

receive, from the user device, one or more of the authentication items;

determining, based on the received authentication items, a confidence level that the user providing the authentication items is the same user that was pre-validated for the content offer;

in response to determining that the confidence level is above a predetermined authentication threshold, initiating transmission of a firm offer of goods or services to the user device;

or

in response to determining that the confidence level is not above a predetermined authentication threshold, not initiating transmission of a firm offer of goods or services to the user device.

10. The system of claim 9, 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.

11. The system of claim 9, wherein the content item comprises an insurance offer and the provider is an insurance provider.

12. The system of claim 9, wherein the digital display entity is further configured to transmit the content item to qualifying users by audio channels, visual channels, application channels, or electronic mail channels.

13. The system of claim 9, wherein each digital ID includes an email address, and the digital display entity is further configured to transmit the content item to qualifying digital IDs via respective email addresses.

14. The system of claim 9, 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. The system of claim 9, wherein the pre-validation system and digital display entity are operated by a same entity.

16. The system of claim 9, wherein the pre-validation system and the verification system are operated by a same entity.

17. The system of claim 9, wherein the the verification system comprising the one or more processors are for executing software instructions to:

determine that the one or more authentication items are not identified in the pre-validated user ID list;

in response to determining that the one or more authentication items are not identified in the pre-validated user ID list, initiating a prequalification process comprising;

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

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

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

in response to determining that 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.

18. The system of claim 9, wherein the one or more authentication items comprise a name and address of the user.

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

a content-item qualifying 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, a plurality of targeting records associated with respective users, each targeting record including a user ID and associated personal user information;

for each of the user IDs of the plurality of targeting records;

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 of the user IDs and corresponding to the plurality of regulated user attributes of the regulated user records;

determine whether the plurality of regulated user attributes of the regulated user record identified as matching the user ID of the targeting 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; and

match respective pre-validated user IDs to a corresponding advertisement campaign;

identify respective users as qualifying for the content item from the provider in response to one or more pre-validated user IDs of the pre-validated user IDs matching with the corresponding advertisement campaign;

transmitting the content item to some of the identified respective users via a physical mail address;

detecting access by a user of the identified respective users to an online service; and

transmitting a plurality of content items to the user'"'"'s computing device for display, including the content item that the user is qualified for.

22. A system comprising:

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

receive pre-validation criteria indicating attributes of users that qualify them for a firm offer of credit from a lender;

applying, or causing application by another entity of, the pre-validation criteria to a plurality of credit records including, for each of a plurality of users, a user ID and a plurality of credit-related attributes, wherein access to the credit records is regulated by third-party regulations;

based on said applying, generate a pre-validated user ID list of pre-validated user IDs qualified for the firm offer of credit from the lender, wherein the pre-validated user ID list does not include any credit-related attributes;

storing the list of pre-validated user IDs at a particular network location;

providing an authentication user interface to a user computing device;

receiving, via the authentication user interface, a username and password;

performing an authentication process based on the username and password to determine an identify of a user of the user computing device;

access user account information associated with the user of the user computing device;

accessing the pre-validated user IDs at the particular network location to determine whether the user account information is associated with any of the pre-validated user IDs of the pre-validated user ID list; and

in response to determining that the user account information is associated with one of the pre-validated user IDs, transmit user interface data to the user computing device causing the user computing device to display;

information regarding the firm offer of credit from the lender, including an indication that the user has already qualified to receive the firm offer of credit; and

a link to an application site of the lender, the link configured to direct the user computing device to an application completion interface where the user provides further information in completing application for the firm offer of credit.