Systems, methods and computer-program products for eligibility verification

• US 10,373,240 B1
• Filed: 12/09/2014
• Issued: 08/06/2019
• Est. Priority Date: 04/25/2014
• Status: Active Grant

• Current Assignee: Csidentity Corporation (Experian plc)
• Original Assignee: Csidentity Corporation (Experian plc)
• Inventors: Ross, Joe, Chapa, Isaac, Patel, Nayan
• Primary Examiner(s): Flynn, Abby J
• Assistant Examiner(s): Weiner, Arielle E
• Application Number:
  US14/565,020
• Time in Patent Office: 1,701 Days
• Field of Search: 705 261- 272, 705 67
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 30/0637 Approvals

Abstract

In one embodiment, a method includes receiving, from a requestor, a request for an on-demand product. The method further includes determining an eligibility token format applicable to the request, wherein the eligibility token format comprises a plurality of partial segments of identifying information. The method also includes prompting the requestor to provide a plurality of partial-segment values corresponding to the plurality of partial segments. In addition, the method includes receiving the plurality of partial-segment values in response to the prompting. Moreover, the method includes generating an eligibility token from the plurality of partial-segment values. The method also includes determining the requestor'"'"'s eligibility for the on-demand product based, at least in part, on a lookup of the eligibility token in an eligibility token repository. The eligibility token repository includes a plurality of eligibility tokens of the eligibility token format.

Claims

1. A computer-implemented method of determining eligibility for accessing an on-demand product, the computer-implemented method comprising:

receiving, from a first third party database, first user data for a first plurality of users, wherein the first user data comprises a first set of one or more data fields of identifying information for each user of the first plurality of users;

determining, via a first hardware processor device, a first format for generating a first eligibility token that includes;

a first selection format for identifying a first selection of a first plurality of segments of identifying information based at least in part on the first set of one or more data fields available in the received first user data; and

a first concatenation format for concatenating the first plurality of segments of identifying information into a first string of values;

generating, via the first hardware processor device, one or more first eligibility tokens for each of the first plurality of users based at least in part on the first format;

storing the generated one or more first eligibility tokens as key values in an eligibility token repository;

receiving, from a second third party database, second user data for a second plurality of users, wherein the second user data comprises a second set of one or more data fields of identifying information for each user of the second plurality of users, wherein the second set of one or more data fields includes at least one unique data field that is not included in first set of one or more data fields;

determining, via a second hardware processor device, and storing a second format for generating a second eligibility token that includes;

a second selection format for identifying a second selection of a second plurality of segments of identifying information based at least in part on the second set of one or more data fields available in the received second user data and including the at least one unique data field; and

a second concatenation format for concatenating the second plurality of segments of identifying information into a second string of values;

generating, via the second hardware processor device, one or more second eligibility tokens for each of the second plurality of users based at least in part on the second format;

storing the generated one or more second eligibility tokens as key values in the eligibility token repository;

receiving, from a requestor device via a network interface, an electronic request for an on-demand product which comprises an electronic identifier for a product to be delivered electronically in real-time to the requestor device, wherein the requestor device is associated with a first user;

prompting the requestor device to provide encrypted data packets comprising personal information associated with the first user;

receiving, from the requestor device via a network interface, the encrypted data packets comprising personal information associated with the first user;

determine whether to apply the first format or the second format based at least in part on the electronic request for the on-demand product;

generating, via a third hardware processor device, a user eligibility token based at least in part on the encrypted data packets comprising personal information associated with the first user and one of the first format or the second format, wherein the user eligibility token is associated with a key in a key-value pair for the first user and is mapped to at least a portion of the encrypted data packets comprising personal information associated with the first user;

performing lookup of the user eligibility token in the eligibility token repository to find a matching token; and

determining the first user'"'"'s eligibility for accessing the on-demand product based at least in part on there being a matching eligibility token in the eligibility token repository for the user eligibility token.

2. The computer-implemented method of claim 1, further comprising:

accessing data associated with the user eligibility token;

prepopulating an enrollment form using at least a portion of the accessed data;

outputting the prepopulated enrollment form to the requestor device;

receiving enrollment authorization from the requestor device; and

responsive to the enrollment authorization, enrolling the first user for the on-demand product.

3. The computer-implemented method of claim 2, further comprising initiating provision of the on-demand product to the requestor device.

4. The computer-implemented method of claim 1, further comprising:

determining that the first user is not eligible for accessing the on-demand product based at least in part on there being no matching eligibility token in the eligibility token repository for the user eligibility token; and

based at least in part on the determination that the first user is not eligible for the on-demand product, denying provision of the on-demand product to the requestor device.

5. The computer-implemented method of claim 1, wherein the first plurality of segments of identifying information and the second plurality of segments of identifying information comprise pluralities of segments of personally identifying information (PII).

6. The computer-implemented method of claim 1, wherein the first plurality of segments of identifying information and the second plurality of segments of identifying information comprise pluralities of segments of business identifying information.

7. The computer-implemented method of claim 1, wherein the first plurality of segments of identifying information and the second plurality of segments of identifying information comprise pluralities of substrings of the identifying information.

8. The computer-implemented method of claim 1, wherein the first format further comprises at least one complete segment of identifying information.

9. The method of claim 1, wherein the first eligibility tokens compromises values generated by a hash function.

10. The method of claim 1, further comprising:

receiving, from the first third party database, indicators of on-demand products to be associated with the first plurality of users; and

receiving, from the second third party database, indicators of on-demand products to be associated with the second plurality of users.

11. A system for determining eligibility for accessing an on-demand product, the system comprising:

a first third party database;

a second third party database;

a requestor device associated with a first user;

a network interface; and

at least one processor, wherein the at least one processor is operable to perform a method comprising;

receiving, from the first third party database, first user data for a first plurality of users, wherein the first user data comprises a first set of one or more data fields of identifying information for each user of the first plurality of users;

determining, via a first hardware processor device, a first format for generating a first eligibility token that includes;

a first selection format for identifying a first selection of a first plurality of segments of identifying information based at least in part on the first set of one or more data fields available in the received first user data; and

a first concatenation format for concatenating the first plurality of segments of identifying information into a first string of values;

generating, via the first hardware processor device, one or more first eligibility tokens for each of the first plurality of users based at least in part on the first format;

storing the generated one or more first eligibility tokens as key values in an eligibility token repository;

receiving, from the second third party database, second user data for a second plurality of users, wherein the second user data comprises a second set of one or more data fields of identifying information for each user of the second plurality of users, wherein the second set of one or more data fields includes at least one unique data field that is not included in first set of one or more data fields;

determining, via a second hardware processor device, and storing a second format for generating a second eligibility token that includes;

a second selection format for identifying a second selection of a second plurality of segments of identifying information based at least in part on the second set of one or more data fields available in the received second user data and including the at least one unique data field; and

a second concatenation format for concatenating the second plurality of segments of identifying information into a second string of values;

generating, via the second hardware processor device, one or more second eligibility tokens for each of the second plurality of users based at least in part on the second format;

storing the generated one or more second eligibility tokens as key values in the eligibility token repository;

receiving, from the requestor device via a network interface, an electronic request for an on-demand product which comprises an electronic identifier for a product to be delivered electronically in real-time to the requestor device, wherein the requestor device is associated with a first user;

prompting the requestor device to provide encrypted data packets comprising personal information associated with the first user;

receiving, from the requestor device via a network interface, the encrypted data packets comprising personal information associated with the first user;

determine whether to apply the first format or the second format based at least in part on the electronic request for the on-demand product;

generating, via a third hardware processor device, a user eligibility token based at least in part on the encrypted data packets comprising personal information associated with the first user and one of the first format or the second format, wherein the user eligibility token is associated with a key in a key-value pair for the first user and is mapped to at least a portion of the encrypted data packets comprising personal information associated with the first user;

performing lookup of the user eligibility token in the eligibility token repository to find a matching token; and

determining the first user'"'"'s eligibility for accessing the on-demand product based at least in part on there being a matching eligibility token in the eligibility token repository for the user eligibility token.

12. The system of claim 11, wherein the at least one processor is further operable to perform:

accessing data associated with the user eligibility token;

prepopulating an enrollment form using at least a portion of the accessed data;

outputting the prepopulated enrollment form to the requestor device;

receiving enrollment authorization from the requestor device; and

responsive to the enrollment authorization, enrolling the first user for the on-demand product.

13. The system of claim 12, wherein the at least one processor is further operable to perform initiating provision of the on-demand product to the requestor device.

14. The system of claim 11, wherein the at least one processor is further operable to perform:

determining that the first user is not eligible for accessing the on-demand product based at least in part on there being no matching eligibility token in the eligibility token repository for the user eligibility token; and

based at least in part on the determination that the requestor is not eligible for the on-demand product, denying provision of the on-demand product to the requestor device.

15. The system of claim 11, wherein the first plurality of segments of identifying information and the second plurality of segments of identifying information comprise pluralities of segments of personally identifying information (PII).

16. The system of claim 11, wherein the first plurality of segments of identifying information and the second plurality of segments of identifying information comprise pluralities of segments of business identifying information.

17. The system of claim 11, wherein the first plurality of segments of identifying information comprises a plurality of substrings of the identifying information.

18. The system of claim 11, wherein the first plurality of segments of identifying information and the second plurality of segments of identifying information comprise pluralities of substrings of the identifying information.

19. A computer-program product comprising a non-transitory computer-usable medium having computer-readable program code embodied therein, the computer-readable program code adapted to be executed to implement a method comprising:

receiving, from a first third party database, first user data for a first plurality of users, wherein the first user data comprises a first set of one or more data fields of identifying information for each user of the first plurality of users;

determining, via a first hardware processor device, a first format for generating a first eligibility token that includes;

a first selection format for identifying a first selection of a first plurality of segments of identifying information based at least in part on the first set of one or more data fields available in the received first user data; and

a first concatenation format for concatenating the first plurality of segments of identifying information into a first string of values;

generating, via the first hardware processor device, one or more first eligibility tokens for each of the first plurality of users based at least in part on the first format;

storing the generated one or more first eligibility tokens as key values in an eligibility token repository;

receiving, from a second third party database, second user data for a second plurality of users, wherein the second user data comprises a second set of one or more data fields of identifying information for each user of the second plurality of users wherein the second set of one or more data fields includes at least one unique data field that is not included in first set of one or more data fields;

determining, via a second hardware processor device, and storing a second format for generating a second eligibility token that includes;

a second selection format for identifying a second selection of a second plurality of segments of identifying information based at least in part on the second set of one or more data fields available in the received second user data and including the at least one unique data field; and

a second concatenation format for concatenating the second plurality of segments of identifying information into a second string of values;

generating, via the second hardware processor device, one or more second eligibility tokens for each of the second plurality of users based at least in part on the second format;

storing the generated one or more second eligibility tokens as key values in the eligibility token repository;

receiving, from a requestor device via a network interface, an electronic request for an on-demand product which comprises an electronic identifier for a product to be delivered electronically in real-time to the requestor device, wherein the requestor device is associated with a first user;

prompting the requestor device to provide encrypted data packets comprising personal information associated with the first user;

receiving, from the requestor device via a network interface, the encrypted data packets comprising personal information associated with the first user;

determine whether to apply the first format or the second format based at least in part on the electronic request for the on-demand product;

generating, via a third hardware processor device, a user eligibility token based at least in part on the encrypted data packets comprising personal information associated with the first user and one of the first format or the second format, wherein the user eligibility token is associated with a key in a key-value pair for the first user and is mapped to at least a portion of the encrypted data packets comprising personal information associated with the first user;

performing lookup of the user eligibility token in the eligibility token repository to find a matching token; and

determining the first user'"'"'s eligibility for accessing the on-demand product based at least in part on there being a matching eligibility token in the eligibility token repository for the user eligibility token.

20. The computer-program product of claim 19, wherein the computer-readable program code is further adapted to be executed to:

access data associated with the user eligibility token;

prepopulate an enrollment form using at least a portion of the accessed data;

output the prepopulated enrollment form to the requestor device;

receive enrollment authorization from the requestor device; and

responsive to the enrollment authorization, enroll the first user for the on-demand product.