Systems and methods for generating and using a digital pass

• US 9,916,582 B2
• Filed: 01/26/2015
• Issued: 03/13/2018
• Est. Priority Date: 07/28/2011
• Status: Active Grant

• Current Assignee: Liberty Peak Ventures, LLC (Dominion Harbor Enterprises, LLC)
• Original Assignee: III Holdings 1, LLC
• Inventors: Aidasani, Dilip, Alderfer, Kimberly, King, Kate T., Parekh, Anup Anil, Rajwani, Abbas-Ali Hassan, Rolinson, Stuart
• Primary Examiner(s): Coppola, Jacob C
• Application Number:
  US14/605,623
• Publication Number:
  US 20150142570A1
• Time in Patent Office: 1,142 Days
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 30/0609 Buyer or seller confidence or verification
• CPC Class Codes: G07B 15/02 taking into account a variable factor such as distance or time, e.g. for passenger transport, parking systems or car rental systems G07B15/06 takes precedence; taximeters G07B13/00; parking meters per se G07F17/24; car rental systems per se G07B15/00

Abstract

A system, method, and article of manufacture for generating a digital pass is disclosed. The method may comprise retrieving a plurality of identity attributes, and grouping a subset of identity attributes in the plurality of identity attributes to generate at least one digital pass. The method may further comprise grouping a subset of static identity attributes and a subset of dynamic identity attributes to generate a digital pass.

Claims

1. A method, comprising:

a computer system storing digital pass information for a user that includes;

authentication information for logging the user into a plurality of merchant systems;

preference information indicating items and activities of interest to the user;

financial information that includes one or more transaction accounts; and

address information for the user;

subsequent to the user accessing a website of a particular one of the plurality of merchant systems, the computer system presenting, to the user, a suggested set of the authentication information usable to log the user into an account hosted by the particular merchant system, wherein the suggested set includes a username and a password associated with the account;

receiving, by the computer system, a request to log the user into the account hosted by the particular merchant system, wherein the request includes a selection, by the user, of the suggested set of the authentication information;

accessing, by the computer system, the suggested set of the authentication information within the digital pass information for the user;

accessing, by the computer system, a set of the preference information for the user;

sending, by the computer system to the particular merchant system, the suggested set of the authentication information and the set of the preference information, wherein the particular merchant system is configured to utilize the set of the preference information to select customized content for the user and present, to the user, a customized webpage of the web site that includes the customized content;

receiving, by the computer system, transaction information indicating that a transaction has been initiated by the user via the customized webpage, wherein the transaction is for an item indicated by the customized content;

receiving, by the computer system, a selection of a particular transaction account of the one or more transaction accounts indicated in the digital pass information for the user;

based on an amount of payment included in the transaction information, the computer system determining that an amount of available credit indicated by the particular transaction account corresponding to the user exceeds or is equal to the amount of payment; and

in response to authorizing the transaction, the computer system;

causing a transfer of payment for the transaction from the particular transaction account of the user to a financial account associated with the particular merchant system; and

providing the address information to the particular merchant system for delivering the item to the user.

2. The method of claim 1, wherein the digital pass information includes personal information of the user previously entered by the user.

3. The method of claim 1, wherein the computer system causes the transfer without transmitting the financial information of the user to the particular merchant system.

4. The method of claim 1, further comprising:

determining, by the computer system, that at least one attribute of a plurality of attributes of the user stored in the digital pass information is identical to an attribute of a second user; and

based on the at least one attribute, the computer system transmitting to the user and the second user a purchase incentive for the particular merchant system.

5. The method of claim 1, wherein the address information includes a static attribute that has remained unchanged over a period of time and the preference information includes a dynamic attribute that has changed over the period of time, and the method further comprising:

in response to the static attribute changing, the computer system determining one or more inferences about the user.

6. A computer system comprising:

at least one processor; and

a non-transitory memory configured to communicate with the processor, the non-transitory memory having instructions stored thereon that are executable by the at least one processor to cause the computer system to perform operations comprising;

storing digital pass information for a user that includes;

authentication information for logging the user into a plurality of seller systems;

preference information indicating items and activities of interest to the user;

financial information that includes one or more transaction accounts; and

address information for the user;

subsequent to the user accessing a website of a particular one of the plurality of seller systems, presenting, to the user, a suggested set of the authentication information usable to log the user into an account hosted by the particular seller system, wherein the suggested set includes a username and a password associated with the account;

receiving a request to log the user into the account hosted by the particular seller system, wherein the request includes a selection, by the user, of the suggested set of the authentication information;

accessing the suggested set of the authentication information within the digital pass information for the user;

accessing a set of the preference information for the user;

sending, to the seller system, the suggested set of the authentication information and the set of the preference information, wherein the particular seller system is configured to utilize the set of the preference information to select customized content for the user and present, to the user, a customized webpage of the web site that includes the customized content;

receiving purchase information indicating that the user has initiated a purchase from the particular seller system via the customized webpage, wherein the purchase is for an item indicated by the customized webpage;

receiving a selection of a particular transaction account of the one or more transaction accounts indicated in the digital pass information for the user;

based on an amount of payment included in the purchase information, determining that an amount of available credit indicated by the particular transaction account of the user exceeds or is equal to the amount of payment for the purchase;

transferring a payment for the purchase from the particular transaction account of the user to a financial account associated with the particular seller system; and

providing the address information to the particular seller system for delivering the item to the user.

7. The computer system of claim 6, wherein the operations further comprise:

based on privacy information associated with the user, wherein the privacy information indicates attributes of the digital pass information that the particular seller system can access, transmitting to the user a discount for the purchase.

8. The computer system of claim 6, wherein the operations further comprise:

based on privacy information associated with the user, wherein the privacy information indicates that a particular portion of the digital pass information is publicly accessible, allowing other users to access the particular portion.

9. The computer system of claim 6, wherein the operations further comprise:

prior to receiving the purchase information, receiving a location of the user; and

based on the location, transmitting to the user an offer for the purchase.

10. An article of manufacture including a non-transitory computer readable medium having instructions stored thereon that are executable to cause a computer system to perform operations comprising:

storing digital pass information for a user that includes;

authentication information for logging the user into a plurality of seller systems;

preference information indicating items and activities of interest to the user;

financial information that includes one or more transaction accounts; and

address information for the user;

subsequent to the user accessing a website of a particular one of the plurality of seller systems, presenting, to the user, a suggested set of the authentication information usable to log the user into an account hosted by the particular seller system, wherein the suggested set includes a username and a password associated with the account;

receiving a request to log the user into the account hosted by the particular seller system, wherein the request includes a selection, by the user, of the suggested set of the authentication information;

accessing the suggested set of the authentication information within the digital pass information for the user;

accessing a set of the preference information for the user;

sending, to the particular seller system, the suggested set of the authentication information and the set of the preference information, wherein the particular seller system is configured to utilize the set of the preference information to select customized content for the user and present, to the user, a customized webpage of the web site that includes the customized content;

receiving, from the particular seller system, a second request for a payment corresponding to a transaction between a seller and the user, wherein the transaction has been initiated via the customized webpage, wherein the transaction is for an item indicated by the customized content;

receiving a selection of a particular transaction account of the one or more transaction accounts indicated in the digital pass information for the user;

based on an amount of the payment included in the second request, determining that an amount of available credit indicated by the particular transaction account corresponding to the user exceeds or is equal to the amount of the payment;

in response to authorizing the transaction, transferring payment from the particular transaction account of the user to a financial account associated with the particular seller system; and

providing the address information to the particular seller system for delivering the item to the user.

11. The article of manufacture of claim 10, wherein the operations further comprise:

based on privacy preference information stored for the user indicating that a portion of the digital pass information of the user is publicly accessible, allowing other users to access the portion of the digital pass information.

12. The article of manufacture of claim 10, wherein the operations further comprise:

based on privacy preference information stored for the user indicating that a location associated with the user is publicly accessible, transmitting to the user a purchase incentive specific to the location.