Template for customer attributes

• US 9,525,687 B2
• Filed: 12/28/2012
• Issued: 12/20/2016
• Est. Priority Date: 12/28/2012
• Status: Active Grant

• Current Assignee: Walmart Apollo, LLC (WalMart Inc.)
• Original Assignee: Wal-Mart Stores Texas LLC (WalMart Inc.)
• Inventors: Patterson, David
• Primary Examiner(s): King, John B
• Application Number:
  US13/730,538
• Publication Number:
  US 20140189886A1
• Time in Patent Office: 1,453 Days
• Field of Search: 726/26, 726/28
• US Class Current: 1/1
• CPC Class Codes: H04L 63/10 for controlling access to devices or network resources
• CPC Class Codes: H04L 63/108 when the policy decisions are valid for a limited amount of time
• CPC Class Codes: H04L 67/306 User profiles

Abstract

The present disclosure extends to methods, systems, and computer program products for establishing an attribute template for a customer for distribution to third party recipients. In operation, customer information is received and placed as attributes in a template that is then made available to predetermined recipients.

Claims

1. A method for conveying customer attributes of a customer of a merchant to a third party lender, the method comprising:

receiving a notification from the customer requesting that one or more of the customer attributes in a customer profile representative of the customer be made available to the third party lender in a template, wherein;

the customer is seeking a loan from the third party lender;

a selection of the one or more of the customer attributes to be included in the template is predetermined at least in part by a form provided by the third party lender;

the one or more of the customer attributes in the customer profile are electronically stored by the merchant that is different from the customer and the one or more of the customer attributes are based at least in part on activity of the customer on a computer network of the merchant; and

the template allows the one or more of the customer attributes to be organized into a useable format that can be conveyed to the third party lender as directed by the customer in order to receive a beneficial relationship between the customer and the third party lender;

evaluating the one or more of the customer attributes over time after the customer has updated the one or more of the customer attributes;

after evaluating the one or more of the customer attributes over time, evaluating the one or more of the customer attributes for quality by determining that one or more digital copies of documents that include at least one of the one or more of the customer attributes are authentic;

providing a confidence score based at least in part on the quality and the evaluation of the one or more of the customer attributes over time;

presenting to the customer a group of selectable third party lenders to which the customer profile is to be made available, the group of selectable third party lenders comprising the third party lender;

using an on-line web page interface having input and output options, receiving a selection by the customer of the third party lender for access to the customer profile;

receiving a duration of access that the customer would like the customer profile to be available for access by the third party lender for which the selection was received by using the on-line web page interface;

storing the selection of the third party lender in memory of a server;

storing the duration of access in the memory of the server;

establishing the template for the one or more of the customer attributes of the customer corresponding to the selection of the third party lender and the duration of access;

filing in the template, by the server, with the selection of the one or more of the customer attributes that are predetermined at least in part by the form provided by the third party lender;

with the server, providing access to the third party lender to the temple for the duration of access based on a time clock, wherein the template comprises the selection of the one or more of the customer attributes that is predetermined at least in part by the form provided by the third party lender;

providing the third party lender access to the confidence score; and

with the server, denying access to the template to the third party lender after the duration of access has passed based on the time clock.

2. The method according to claim 1, wherein the template is predefine to comprise a group of customer attributes of:

age of the customer, education of the customer, income of the customer, photo of the customer, gender of the customer.

3. The method according to claim 2, wherein the template is predefined to comprise the an additional group of the customer attributes of:

home ownership status of the customer, and marital status of the customer.

4. The method according to claim 1, further comprising:

presenting to the customer a selectable selection of customer items that contain the one or more of the customer attributes that have been provided by the customer;

receiving a selected selection of the customer items made by the customer; and

evaluating the selected selection for the one or more of the customer attributes.

5. The method according to claim 4, further comprising:

organizing the items in the selected selection on a display; and

presenting the display to the customer.

6. The method according to claim 5, wherein the customer is provided an option of deleting one or more of the customer items from the selected selection by removing the one or more of the customer items graphically from the display.

7. The method according to claim 6, wherein the third party lender is presenting with the selected selection of the customer items in a same organization as is displayed on the display.

8. The method according to claim 1, further comprising:

presenting to the customer a selectable selection of customer items that contain the one or more of the customer attributes that have been provided by the customer;

receiving a selected selection of the customer items made by the customer;

evaluating the customer items in the selected selection for the one or more of the customer attributes;

organizing the customer items in the selected selection on a display; and

presenting the display to the customer;

wherein;

the template is predefined to comprise a group of the customer attributes of;

age of the customer, education of the customer, income of the customer, photo of the customer, and gender of the customer;

the template is predefined to further comprise an additional group of the customer attributes of;

home ownership status of the customer, and marital status of the customer;

the customer is provided an option of deleting one or more of the customer items from the selection by removing the one or more of the customer items graphically from the display; and

the third party lender is presented with the selection of the customer items in a same organization as is displayed on the display.

9. A system for providing customer attributes of a customer of a merchant, the system comprising:

one or more processors and one or more memory devices operably coupled to the one or more processors and storing executable and operational data, the executable and operational data effective to cause the one or more processors to;

receive a notification from the customer requesting that one or more of the customer attributes in a customer profile representative of the customer be made available to third party recipients in a template, wherein;

the customer is seeking a loan from the third party recipients;

a selection of the one or more of the customer attributes to be included in the template is predetermined at least in part by a form provided by one of the third party recipients;

the one or more of the customer attributes in the customer profile are electronically stored by the merchant, that is different from the customer, and the one or more of the customer attributes are based at least in part on activity of the customer on a computer network of the merchant; and

the template allows the one or more of the customer attributes to be organized into a useable format that can be conveyed to the third party recipients as directed by the customer in order to receive a beneficial relationship between the customer and at least one of the third party recipients;

evaluate the one or more of the customer attributes over time after the one or more of the customer has updated the customer attributes;

after evaluating the one or more of the customer attributes over time, evaluate the one or more of the customer attributes for quality by determining that one or more digital copies of documents that include at least one of the customer attributes are authentic;

provide a confidence score based at least in part on the quality and the evaluating the one or more of the customer attributes over time;

present to the customer the third party recipients to which the customer profile can be made available;

using an on-line web page interface having input and output options, receive a selection by the customer of the third party recipients for access to the customer profile;

using the on-line web page interface, receive a duration of access that the customer would like the customer profile to be available for access by the selection by the customer of the third party recipients;

store the selection by the customer of the third party recipients in memory of a server;

store the duration of access in the memory of the server;

establish the template for the one or more of the customer attributes of the customer corresponding to the selection by the customer of the third party recipients and the duration of access;

fill in the template, by the server, with the selection of the one or more of the customer attributes that are predetermined at least in part by the form provided by the one of the third party recipients;

with the server, provide access to the selection by the customer of the third party recipients to the template for the duration of access based on a time clock, wherein the template comprises the selection of the one or more of the customer attributes specified by the form provided by the one of the third party recipients;

provide the selection by the customer of the third party recipients access to the confidence score; and

with the server, deny access to the template to the selection by the customer of the third party recipients after the duration of access has passed based on the time clock.

10. The system according to claim 9, wherein the template is predefined to comprise a group of the customer attributes of:

age of the customer, education of the customer, income of the customer, photo of the customer, and gender of the customer.

11. The system according to claim 10, wherein the template is predefined to further comprise an additional group of the customer attributes of:

home ownership status of the customer, and marital status.

12. The system according to claim 9, wherein the executable and operational data are further effective to cause the one or more processors to:

present to the customer a selectable selection of customer items that contain the one or more of the customer attributes that have been provided by the customer;

receive a selection of the customer items made by the customer; and

evaluate the customer items selected by the customer for the one or more of the customer attributes.

13. The system according to claim 12, wherein the executable and operational data are further effective to cause the one or more processors to:

organizing the customer items selected by the customer on a display; and

presenting the display to the customer.

14. The system according to claim 13, wherein the executable and operational data are further effective to cause the one or more processors to provide the customer an option of deleting one or more of the customer items from the selection by removing the one or more of the customer items graphically from the display.

15. The system according to claim 14, wherein the executable and operational data are further effective to cause the one or more processors to present the third party recipients with the selection of the customer items in a same organization as is displayed on the display.

16. The system according to claim 9, wherein the executable and operational data are further effective to cause the one or more processors to:

present to the customer a selectable selection of customer items that contain the one or more of the customer attributes that have been provided by the customer;

receive a selection of the customer items made by the customer;

evaluate the customer items selected by the customer for the one or more of the customer attributes;

organize the customer items selected by the customer on a display; and

present the display to the customer; and

wherein;

the template is predefined to comprise a group of the customer attributes of;

age of the customer, education of the customer, income of the customer, photo of the customer, and gender of the customer;

the template is predefined to further comprise an additional group of the customer attributes of;

home ownership status of the customer, and marital status;

the customer is provided an option of deleting one or more of the customer items from the selection by removing the one or more of the customer items graphically from the display; and

the third party recipients are presented with the selection of the customer items in a same organization as is displayed on the display.

17. A system for establishing a template for customer attributes of a customer that is seeking a loan, the system comprising:

a retail store;

one or more processors and one or more memory devices operably coupled to the one or more processors and storing executable and operational data, the executable and operational data effective to cause the one or more processors to;

receive a notification from the customer requesting that one or more of the customer attributes in a customer profile representative of the customer be made available to third party lender recipients in the template, wherein;

the customer is seeking a loan from the third party lender recipients;

a selection of the one or more of the customer attributes to be included in the template is predetermined at least in part by a form provided by one of the third party lender recipients; and

the one or more of the customer attributes in the customer profile are electronically stored by an entity that is different from the customer and the one or more of the customer attributes are based at least in part on activity of the customer on a computer network of the entity;

the template allows the one or more of the customer attributes to be organized into a useable format that can be conveyed to the third party lender recipients as directed by the customer in order to receive a beneficial relationship between the customer and at least one of the third party lender recipients;

evaluate the one or more of the customer attributes over time after the customer has updated the one or more of the customer attributes;

after the evaluation of the customer attributes over time, evaluate the one or more of the customer attributes for quality by determining that one or more digital copies of documents that include at least one of the one or more of the customer attributes are authentic;

provide a confidence score based at least in part on the quality and the evaluation of the one or more of the customer attributes over time;

present to the customer a group of selectable third party lender recipients to which the customer profile is to be made available, the group of selectable third party lender recipients comprising the third party lender recipients;

using an on-line web page interface having input and output options, receive a selection by the customer of the third party lender recipients for access to the customer profile;

using the on-line web page interface, receive a duration of access that the customer would like the customer profile to be available for access by selected third party lender recipients of the third party lender recipients;

store the selected third party lender recipients of the third party lender recipients in memory of a server;

store the duration of access in the memory of the server;

establish the template for the one or more of the customer attributes of the customer corresponding to the selected third party lender recipients of the third party lender recipients and the duration of access;

fill in the template, by the server, with the selection of the one or more of the customer attributes that are predetermined at least in part by the form provided by the one of the third party lender recipients;

with the server, provide access to the selected third party lender recipients of the third party lender recipients to the template for the duration of access based on a time clock, wherein the template comprises the selection of the one or more of the customer attributes specified by the form provided by the one of the third party lender recipients;

provide the selected third party lender recipients of the third party lender recipients access to the confidence score; and

with the server, deny access to the template to the selected third party lender recipients of the third party lender recipients after the duration of access has passed based on the time clock.

18. The system according to claim 17, wherein the executable and operational data are further effective to cause the one or more processors to:

present to the customer a selectable selection of customer items that contain the one or more of the customer attributes that have been provided by the customer;

receive a selection of the customer items made by the customer; and

evaluate the customer items selected by the customer for the one or more of the customer attributes.

19. The system according to claim 18, wherein the executable and operational data are further effective to cause the one or more processors to:

organize the customer items selected by the customer on a display; and

present the display to the customer.

20. The system according to claim 17 wherein the executable and operational data are further effective to cause the one or more processors to:

present to the customer a selectable selection of customer items that contain the one or more of the customer attributes that have been provided by the customer;

receive a selected selection of the customer items made by the customer;

evaluate the customer items in the selected selection for the one or more of the customer attributes;

organize the customer items in the selected selection on a display; and

present the display to the customer;

wherein;

the template is predefined to comprise a group of the customer attributes of;

age of the customer, education of the customer, income of the customer, photo of the customer, and gender of the customer;

the template is predefined to further comprise an additional group of the customer attributes of;

home ownership status of the customer, and marital status of the customer;

the customer is provided an option of deleting one or more of the customer items from the selection by removing the one or more of the customer items graphically from the display; and

the selected third party recipients are presented with the selection of the customer items in a same organization as is displayed on the display.