Identity protection and distribution system

• US 9,106,615 B2
• Filed: 01/01/2013
• Issued: 08/11/2015
• Est. Priority Date: 01/01/2013
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Grossman, Glenn
• Primary Examiner(s): Zaidi, S. Ali
• Application Number:
  US13/732,380
• Publication Number:
  US 20140189877A1
• Time in Patent Office: 952 Days
• Field of Search: 726/6, 726/26, 715/238, 709/245, 705/1, 705/14
• US Class Current: 1/1
• CPC Class Codes: G06Q 30/0269 based on user profile or attribute
• CPC Class Codes: H04L 63/0407 wherein the identity of one or more communicating identities is hidden cryptographic mechanisms or cryptographic arrangements for anonymous credentials or for identity based cryptographic systems H04L9/00
• CPC Class Codes: H04N 21/252 Processing of multiple end-users' preferences to derive collaborative data

Abstract

Embodiments of the invention are directed to systems, methods and computer program products for providing user information to a merchant. Embodiments may receive and store user information in a user file, receive a request from a merchant for some or all of the user information stored in the user file in response to the merchant reading a readable indicia presented by a user using a mobile device; and, in response to the request for some or all the user information, retrieve the requested information and transmit the requested information to the merchant. Embodiments may receive and store a plurality of profiles, where each profile is associated with some or all the user information stored in the user file. Some embodiments may receive user input, through the merchant, selecting one of the profiles; where retrieving the requested information comprises retrieving the user information associated with the selected profile.

Claims

1. A system for providing user information to a merchant, the system comprising:

at least one memory device storing computer executable code;

at least one processing device to execute the computer executable code to cause the processing device to;

receive and storing user information in a user file, wherein;

the user information is selected by a user;

the user information comprises user identification information comprising name information and contact information comprising a preferred email address and phone number; and

storing the user information comprises storing a plurality of user profiles each associated with some or all the user information, wherein the plurality of user profiles comprises at least one of a low information profile, a medium information profile, and a high information profile;

receive a request from a merchant for some or all of the user information stored in the plurality of user profiles in response to the merchant reading a readable indicia specifying the user profile associated with the request, the readable indicia presented by a user using a mobile device, wherein reading the readable indicia further comprises;

determining whether the user profile associated with the readable indicia is at least one of a low information profile, a medium information profile, or a high information profile;

receiving one or more authentication credentials from the user based on at least the determined user profile, wherein a high information profile requires a primary authentication and a secondary authentication, wherein a medium information profile requires a primary authentication, and a low information profile does not require any authentication credential; and

validating the one or more received authentication credentials;

store the determined user profile in a user file;

in response to the request for some or all the user information, retrieve the requested information and transmit the requested information to the merchant;

initiate communication to the mobile device of the user requesting updated user information associated with the determined user profile;

receive updated user information from the user; and

store the updated user information in the user profile.

2. The system of claim 1, wherein the computer executable code further causes the processing device to:

receive and store a plurality of profiles, wherein each profile is associated with some or all the user information stored in the user file.

3. The system of claim 2, wherein the computer executable code further causes the processing device to:

receive user input, through the merchant, selecting one of the profiles; and

wherein retrieving the requested information comprises retrieving the user information associated with the selected profile.

4. The system of claim 1, wherein the computer executable code further causes the processing device to:

initiate communication to the mobile device of the user requesting updated user information for storing in association with the user file.

5. The system of claim 4, wherein the computer executable code further causes the processing device to:

receive updated user information, in response to the communication requesting updated user information and from the mobile device of the user, and storing the updated user information in association with the user file.

6. The system of claim 1, wherein the computer executable code further causes the processing device to:

receive updated user information, from the mobile device of the user, and storing the updated user information in association with the user file.

7. The system of claim 6, wherein the computer executable code further causes the processing device to:

initiate communication of the updated user information to one or more merchants at which the user has presented a readable indicia encoded with a link to the user file within a subsequent predetermined period of time.

8. A computer program product configured for providing user information to a merchant, the computer program product comprising a non-transitory computer readable medium comprising computer-executable instructions stored therein, the computer-executable instructions cause a processing device to:

receiving and storing user information in a user file, wherein;

the user information is selected by a user;

the user information comprises user identification information comprising name information and contact information comprising a preferred email address and phone number; and

storing the user information comprises storing a plurality of user profiles each associated with some or all user information, wherein the plurality of user profiles comprises at least one of a low information profile, a medium information profile, and a high information profile;

receiving a request from a merchant for some or all of the user information stored in the plurality of user profiles in response to the merchant reading a readable indicia specifying the user profile associated with the request, the readable indicia presented by a user using a mobile device, wherein reading the readable indicia further comprises;

determining whether the user profile associated with the readable indicia is at least one of a low information profile, a medium information profile, or a high information profile;

receiving one or more authentication credentials from the user based on at least the determined user profile, wherein a high information profile requires a primary authentication and a secondary authentication, wherein a medium information profile requires a primary authentication, and a low information profile does not require any authentication credential; and

validating the one or more received authentication credentials;

store the determined user profile in a user file;

in response to the request for some or all the user information, retrieving the requested information and transmitting the requested information to the merchant;

initiate communication to the mobile device of the user requesting updated user information associated with the determined user profile;

receive updated user information from the user; and

store the updated user information in the user profile.

9. The computer program product of claim 8, wherein the computer executable instructions further cause the processing device to:

receive and store a plurality of profiles, wherein each profile is associated with some or all the user information stored in the user file.

10. The computer program product of claim 9, wherein the computer executable instructions further cause the processing device to:

receive user input, through the merchant, selecting one of the profiles; and

wherein retrieving the requested information comprises retrieving the user information associated with the selected profile.

11. The computer program product of claim 8, wherein the computer executable instructions further cause the processing device to:

initiate communication to the mobile device of the user requesting updated user information for storing in association with the user file.

12. The computer program product of claim 11, wherein the computer executable instructions further cause the processing device to:

receive updated user information, in response to the communication requesting updated user information and from the mobile device of the user, and storing the updated user information in association with the user file.

13. The computer program product of claim 8, wherein the computer executable instructions further cause the processing device to:

receive updated user information, from the mobile device of the user, and storing the updated user information in association with the user file.

14. The computer program product of claim 13, wherein the computer executable instructions further cause the processing device to:

initiate communication of the updated user information to one or more merchants at which the user has presented a readable indicia encoded with a link to the user file within a subsequent predetermined period of time.

15. A computer-implemented method for providing user information to a merchant, the method comprising:

using a computer processor operating computer program code instructions stored in a non-transitory computer readable medium, wherein the computer program code instructions cause the computer processor to;

receive and storing user information in a user file, wherein;

the user information is selected by a user;

the user information comprises user identification information comprising name information and contact information comprising a preferred email address and phone number; and

storing the user information comprises storing a plurality of user profiles each associated with some or all the user information, wherein the plurality of user profiles comprises at least one of a low information profile, a medium information profile, and a high information profile;

receive a request from a merchant for some or all of the user information stored in the plurality of user profiles in response to the merchant reading a readable indicia specifying the user profile associated with the request, the readable indicia presented by a user using a mobile device, wherein reading the readable indicia further comprises;

determining whether the user profile associated with the readable indicia is at least one of a low information profile, a medium information profile, or a high information profile;

receiving one or more authentication credentials from the user based on at least the determined user profile, wherein a high information profile requires a primary authentication and a secondary authentication, wherein a medium information profile requires a primary authentication, and a low information profile does not require any authentication credential; and

validating the one or more received authentication credentials;

store the determined user profile in a user file;

in response to the request for some or all the user information, retrieving the requested information and transmitting the requested information to the merchant;

initiate communication to the mobile device of the user requesting updated user information associated with the determined user profile;

receive updated user information from the user; and

store the updated user information in the user profile.

16. The method of claim 15, wherein the computer program code further causes the processing device to:

receive and store a plurality of profiles, wherein each profile is associated with some or all the user information stored in the user file.

17. The method of claim 16, wherein the computer program code further causes the processing device to:

receive user input, through the merchant, selecting one of the profiles; and

wherein retrieving the requested information comprises retrieving the user information associated with the selected profile.

18. The method of claim 15, wherein the computer program code further causes the processing device to:

initiate communication to the mobile device of the user requesting updated user information for storing in association with the user file.

19. The method of claim 18, wherein the computer program code further causes the processing device to:

receive updated user information, in response to the communication requesting updated user information and from the mobile device of the user, and storing the updated user information in association with the user file.

20. The method of claim 15, wherein the computer program code further causes the processing device to:

receive updated user information, from the mobile device of the user, and storing the updated user information in association with the user file.

21. The method of claim 20, wherein the computer program code further causes the processing device to:

initiate communication of the updated user information to one or more merchants at which the user has presented a readable indicia encoded with a link to the user file within a subsequent predetermined period of time.