USING IDENTITY-LINKED DEVICE INFORMATION FOR USER IDENTIFICATION AND TRANSACTION PERSONALIZATION VIA MOBILE TAGGING

• US 20190327226A1
• Filed: 04/19/2019
• Published: 10/24/2019
• Est. Priority Date: 04/19/2018
• Status: Abandoned Application

• Current Assignee: Averon Us Inc.
• Original Assignee: Averon Us Inc.
• Inventors: BROWN, Wendell, KLEIN, Mark
• Application Number:
  US16/389,388
• Publication Number:
  US 20190327226A1
• Time in Patent Office: Days
• CPC Class Codes: G06F 21/31 User authentication
• CPC Class Codes: G06F 21/42 using separate channels for security data
• CPC Class Codes: G06K 7/1417 2D bar codes
• CPC Class Codes: G06Q 20/354 Card activation or deactivation
• CPC Class Codes: G06Q 20/355 Personalisation of cards for use
• 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
• CPC Class Codes: H04W 12/08 Access security
• CPC Class Codes: H04W 12/64 using geofenced areas
• CPC Class Codes: H04W 12/72 Subscriber identity
• CPC Class Codes: H04W 12/77 Graphical identity
• CPC Class Codes: H04W 4/029 Location-based management or tracking services

Abstract

Embodiments of the present disclosure provide methods, systems, apparatuses, and computer program products for using identity-linked device information for user identification and transaction personalization via mobile tagging, for example validating user identity and providing a user identifier and user information for transaction personalization. A user identification and personalization system may be provided to receive an electronic data transmission, from a user device over a carrier network, indicative of prior execution of an access link having been detected and decoded from a decodable visual representation. The transmission may include identity-linked device information injected by a carrier device via a header enrichment process. The system may further determine a user identifier based on the identity-linked device information, and transmit, to the user device for forwarding to a service provider device, an authentication indication including the user identifier. The user identifier may be used for various identification/personalization applications.

Claims

1. A user identification and personalization system for validating user identity based on identity-linked device information and providing a user identifier associated with the identity-linked device information for transaction personalization, wherein the user identification and personalization system comprises at least one processor and at least one memory, the at least one memory having computer-coded instructions therein, wherein the computer-coded instructions are configured to, in execution with the at least one processor, cause the user identification and personalization system to:

receive, via a carrier network, at the user identification and personalization system from a user device, an electronic data transmission, the electronic data transmission comprising identity-linked device information, the carrier network comprising at least a carrier device, the carrier device configured to inject the electronic data transmission with identity-linked device information via a header enrichment process, wherein the electronic data transmission is indicative of prior execution, by the user device identified by the identity-linked device information, of an access link having been detected and decoded from a decodable visual representation and having caused the user device to execute the access link;

determine a user identifier based on the identity-linked device information; and

transmit, to the user device, an authentication indication comprising at least the user identifier, the authentication indication configured to cause the user device to forward the user identifier to a service provider device.

2. The user identification and personalization system of claim 1, wherein the computer-coded instructions further cause the user identification and personalization system to:

receive, from the service provider device, a user information query comprising at least the user identifier;

retrieve, from a user information repository, stored user information associated with the user identifier; and

transmit, to the service provider device, user information comprising at least a portion of the stored user information.

3. The user identification and personalization system of claim 1, wherein the computer-coded instructions further cause the user identification and personalization system to:

transmit, to at least one external information system, at least one external information request;

receive external user information from the at least one external information system in response to the at least one external information request; and

transmit, to the service provider device, user information comprising at least a portion of the external user information.

4. The user identification and personalization system of claim 1, wherein the authentication indication comprises a redirect link comprising the user identifier, the redirect link configured to cause the user device to transmit the user identifier to the service provider device.

5. The user identification and personalization system of claim 1, wherein the computer-coded instructions configured are further configured to cause the user identification and personalization system to:

retrieve a request-related device location associated with the user device;

identify a decodable location associated with the decodable visual representation;

determine whether the request-related device location is within a threshold distance from the decodable location;

identify user information based on the determination of whether the request-related device location is within the threshold distance from the decodable location; and

transmit the user information to the service provider device in response to a user information query.

6. The user identification and personalization system of claim 5, wherein the computer-coded instructions configured to retrieve a request-related device location associated with the user device cause the user identification and personalization system to:

retrieve, from the user device, a known device indication indicative of whether the user device is communicable with a known device; and

determine the known device indication indicates the user device is communicable with the known device.

7. The user identification and personalization system of claim 1, wherein the identity-linked device information comprises a mobile phone number associated with the user device, and wherein the computer-coded instructions are further configured to cause the user identification and personalization system to:

transmit, to device third-party device, a system contact number;

connect to the third-party device;

receive a service provider transaction number via the connection with the third-party device;

identify the identity-linked device information is associated with the service provider transaction number; and

connect the third-party device to the user device using the identity-linked device information.

8. The user identification and personalization system of claim 1, wherein the user device is associated with a user entity, and wherein the service provider device is associated with a service provider entity, wherein the computer-coded instructions are further configured to cause the user identification and personalization system to:

cause the user device to generate a confirmation identifier for mailing, by the user entity associated with the user device, on a physical medium to the service provider entity associated with the service provider device;

retrieve a request-related device location associated with the user device;

receive, from the service provider device, the confirmation identifier in response to the service provider entity having received the physical medium;

identify, via a real-time postal service application programming interface associated with a postal service device, a mailed location associated with the mailing of the physical medium to the service provider entity;

determine whether the request-related device location is within a threshold distance from the mailed location;

identify user information based on the determination of whether the request-related device location is within the threshold distance from the mailed location; and

transmit the user information to the service provider device in response to a user information query.

9. The user identification and personalization system of claim 1, wherein the user device comprises a first user device, the service provider device comprises a second user device associated with the first user device, and wherein the computer-coded instructions further are further configured to cause the user identification and personalization system to:

receive, from the service provider device, a decodable authentication step rendering request in response to information indicating completion of a prior authentication step of a login process;

cause rendering, by the service provider device, of the decodable visual representation;

receive, from the service provider device, a verification request comprising the user identifier, wherein the verification request is received in response to scanning, by the user device, of the decodable visual representation; and

transmit, to the service provider device, user information representing a verification message in response to the verification request, wherein the verification message causes the service provider device to continue the login process.

10. The user identification and personalization system of claim 1, wherein the computer-coded instructions are further configured to cause the user identification and personalization system to:

determine the identity-linked device information is associated with card information in an inactivated state; and

cause the service provider device to activate the card information.

11. The user identification and personalization system of claim 10, wherein the computer-coded instructions are further configured to cause the user identification and personalization system to:

cause the service provider device to associate the card information with the identity-linked device information for use via a payment service.

12. The user identification and personalization system of claim 1, wherein the electronic data transmission further comprises a source identifier, and wherein the computer-coded instructions are further configured to cause the user identification and personalization system to:

authenticate the identity-linked device information matches the source identifier.

13. The user identification and personalization system of claim 1, wherein the identity-linked device information comprises a mobile telephone number in a plaintext format or a hashed format.

14. A computer-implemented method for validating user identity-linked device information and providing a user identifier associated with the identity-linked device information for transaction personalization, the method comprising:

receiving, via a carrier network, at the user identification and personalization system from a user device, an electronic data transmission, the electronic data transmission comprising identity-linked device information, the carrier network comprising at least a carrier device, the carrier device configured to inject the electronic data transmission with identity-linked device information via a header enrichment process, wherein the electronic data transmission is indicative of prior execution, by the user device identified by the identity-linked device information, of an access link having been detected and decoded from a decodable visual representation and having caused the user device to execute the access link;

determining a user identifier based on the identity-linked device information; and

transmitting, to the user device, an authentication indication comprising at least the user identifier, the authentication indication configured to cause the user device to forward the user identifier to a service provider device.

15. The computer-implemented method of claim 14, further comprising:

receiving, from the service provider device, a user information query comprising at least the user identifier;

retrieving, from a user information repository, stored user information associated with the user identifier; and

transmitting, to the service provider device, user information comprising at least a portion of the stored user information.

16. The computer-implemented method of claim 14, further comprising:

transmitting, to at least one external information system, at least one external information request;

receiving external user information from the at least one external information system in response to the at least one external information request; and

transmitting, to the service provider device, user information comprising at least a portion of the external user information.

18. The computer-implemented method of claim 14, further comprising:

retrieving a request-related device location associated with the user device;

identifying a decodable location associated with the decodable visual representation;

determining whether the request-related device location is within a threshold distance from the decodable location;

identifying user information based on the determination of whether the request-related device location is within the threshold distance from the decodable location; and

transmitting the user information to the service provider device in response to a user information query.

25. The computer-implemented method of claim 14, wherein the electronic data transmission further comprises a source identifier, and the method further comprising:

authenticating the identity-linked device information matches the source identifier.

26. The computer-implemented method of claim 14, wherein the identity-linked device information comprises a mobile telephone number in a plaintext format or a hashed format.

17. (canceled)

19-24. -24. (canceled)

27. A computer program product for validating user identity based on identity-linked device information and providing a user identifier associated with the identity-linked device information for transaction personalization, the computer program product comprising a non-transitory computer readable storage medium having computer program instructions stored therein, the computer program instructions configured to, when executed by a processor, cause the processor to:

receive, via a carrier network, at the user identification and personalization system from a user device, an electronic data transmission, the electronic data transmission comprising identity-linked device information, the carrier network comprising at least a carrier device, the carrier device configured to inject the electronic data transmission with identity-linked device information via a header enrichment process, wherein the electronic data transmission is indicative of prior execution, by the user device identified by the identity-linked device information, of an access link having been detected and decoded from a decodable visual representation and having caused the user device to execute the access link;

determine a user identifier based on the identity-linked device information; and

transmit, to the user device, an authentication indication comprising at least the user identifier, the authentication indication configured to cause the user device to forward the user identifier to a service provider device.

28-42. -42. (canceled)