CONSUMER IDENTITY AND SECURITY AT POINTS OF SALE

• US 20180341988A1
• Filed: 05/26/2017
• Published: 11/29/2018
• Est. Priority Date: 05/26/2017
• Status: Active Grant

• Current Assignee: American Express Travel Related Services Company, Inc. (American Express Company)
• Original Assignee: American Express Travel Related Services Company, Inc. (American Express Company)
• Inventors: Mardikar, Upendra
• Granted Patent: US 11,127,045 B2
• Time in Patent Office: Days
• CPC Class Codes: G06F 16/337 Profile generation, learning or modification
• CPC Class Codes: G06F 16/9535 Search customisation based on user profiles and personalisation
• CPC Class Codes: G06Q 30/0255 based on user history
• CPC Class Codes: G06Q 30/0269 based on user profile or attribute
• CPC Class Codes: H04W 4/80 Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication

Abstract

An identity and security system may register a user associated with a mobile device and a user identity that comprises characteristics of the user. The system may assign a reputation score and a spend propensity score to the user identity. The system may base the reputation score on a plurality of reputation assessments, and the spend propensity score on a history of transactions and non-transactions by the user. The system may also detect the mobile device at a merchant location, and it may transmit at least one of the reputation score and the spend propensity score to a POS device at the merchant location in response to detecting the mobile device at the merchant location.

Claims

1. A method comprising:

registering, by an identity server, a user associated with a mobile device and a user identity that comprises characteristics of the user;

assigning, by the identity server, a reputation score to the user identity based on a plurality of reputation assessments;

assigning, by the identity server, a spend propensity score to the user identity based on a history of transactions and non-transactions by the user;

detecting, by the identity server, the mobile device at a merchant location; and

transmitting, by the identity server, at least one of the reputation score and the spend propensity score to a POS device at the merchant location in response to the detecting the mobile device at the merchant location.

2. The method of claim 1, further comprising transmitting, by the identity server, identity data to the POS device comprising at least one of a name of the user, an image of the user, or a preference of the user.

3. The method of claim 1, further comprising normalizing, by the identity server, the reputation score based on the plurality of reputation assessments to a numeric scale.

4. The method of claim 1, further comprising generating, by the identity server, the spend propensity score based on at least one of an average spend amount, a transaction frequency, or a visit frequency.

5. The method of claim 1, further comprising storing, by the identity server, the user identity in a database by writing a record identifiable by a key field.

6. The method of claim 5, further comprising associating, by the identity server, the spend propensity score with the user identity by writing a second record comprising the spend propensity score, wherein the second record is selectable using the key field of the user identity.

7. The method of claim 1, further comprising determining, by the identity server, an update for the POS device based at least in part on a make, model, and version number of the POS device.

8. The method of claim 1, further comprising polling, by the identity server, the POS device for a reputation assessment of the user associated with the mobile device.

9. A computer-based system, comprising:

registering, by an identity server, a user associated with a mobile device and a user identity that comprises characteristics of the user;

assigning, by the identity server, a reputation score to the user identity based on a plurality of reputation assessments;

assigning, by the identity server, a spend propensity score to the user identity based on a history of transactions and non-transactions by the user;

detecting, by the identity server, the mobile device at a merchant location;

transmitting, by the identity server, at least one of the reputation score and the spend propensity score to a POS device at the merchant location in response to the detecting the mobile device at the merchant location.

10. The computer-based system of claim 9, further comprising transmitting, by the identity server, identity data to the POS device comprising at least one of a name of the user, an image of the user, or a preference of the user.

11. The computer-based system of claim 9, further comprising normalizing, by the identity server, the reputation score based on the plurality of reputation assessments to a numeric scale.

12. The computer-based system of claim 9, further comprising generating, by the identity server, the spend propensity score based on at least one of an average spend amount, a transaction frequency, or a visit frequency.

13. The computer-based system of claim 9, further comprising storing, by the identity server, the user identity in a database by writing a record identifiable by a key field.

14. The computer-based system of claim 13, further comprising associating, by the identity server, the spend propensity score with the user identity by writing a second record comprising the spend propensity score, wherein the second record is selectable using the key field of the user identity.

15. The computer-based system of claim 9, further comprising determining, by the identity server, an update for the POS device based at least in part on a make, model, and version number of the POS device.

16. The computer-based system of claim 9, further comprising polling, by the identity server, the POS device for a reputation assessment of the user associated with the mobile device.

17. An article of manufacture including a non-transitory, tangible computer readable storage medium having instructions stored thereon that, in response to execution by a computer-based system, cause an identity server to perform operations comprising:

registering, by the identity server, a user associated with a mobile device and a user identity that comprises characteristics of the user;

assigning, by the identity server, a reputation score to the user identity based on a plurality of reputation assessments;

assigning, by the identity server, a spend propensity score to the user identity based on a history of transactions and non-transactions by the user;

detecting, by the identity server, the mobile device at a merchant location;

transmitting, by the identity server, at least one of the reputation score and the spend propensity score to a POS device at the merchant location in response to the detecting the mobile device at the merchant location.

18. The article of claim 17, further comprising generating, by the identity server, the spend propensity score based on at least one of an average spend amount, a transaction frequency, or a visit frequency.

19. The article of claim 17, further comprising associating, by the identity server, the spend propensity score with the user identity by writing a record in a database comprising the spend propensity score and selectable using a key field of the user identity, wherein the user identity is identifiable in the database by the key field.

20. The article of claim 17, further comprising polling, by the identity server, the POS device for a reputation assessment of the user associated with the mobile device.