Date of birth authentication system and method using demographic and/or geographic data supplied by a subscriber that is verified by a third party

• US 6,704,787 B1
• Filed: 12/03/1999
• Issued: 03/09/2004
• Est. Priority Date: 12/03/1999
• Status: Expired due to Fees

• Current Assignee: US Tax Relief LLC
• Original Assignee: Intercard Payments, Inc.
• Inventors: Umbreit, Timothy F.
• Primary Examiner(s): Dharia, Rupal
• Assistant Examiner(s): Willett, Stephan
• Application Number:
  US09/455,008
• Time in Patent Office: 1,558 Days
• Field of Search: 709/203, 709/219, 709/225, 709/229, 710/36, 710/244, 340/5.1, 340/5.2, 725/22, 725/30, 713/155, 713/156, 713/161, 713/175, 713/182, 713/185, 713/201, 707/9
• US Class Current: 709/229
• CPC Class Codes: G06F 21/31 User authentication
• CPC Class Codes: Y10S 707/99939 Privileged access

Abstract

A system or method for an access code issuer to receive an on-line application including certain personal information from a user of a computer network such as the Internet, to independently operatively connect to a database and obtain or verify demographic and additional personal information regarding the user, and issue an access code to the user. The user enters this access code when accessing various nodes or websites of a plurality of affiliated content providers. The content providers obtain or verify the user'"'"'s demographics by operatively connecting to the access code issuer, thereby obtaining or verifying the demographics of the visitor to its site without requiring the visitor to enter his or her demographic information or to independently provide proof thereof to the content provider. The content provider can then customize the presentation and advertising on its site according to the demographics of the user, and/or can restrict access to its site or portions thereof based on demographics or other information regarding the user.

Claims

1. A method comprising the steps of:

an access code issuer using a first system receiving an on-line application for an access code from a potential subscriber on a computer network, said on-line application comprising potential subscriber information including geographic information;

using said potential subscriber information to query a second system that is off-site of the first system, that contains a database of information that was not gathered by or supplied by the access code issuer, and that is managed by a party that is different from the access code issuer;

receiving from said off-site database a date of birth associated with said potential subscriber information;

determining whether said geographic information from said potential subscriber matches geographic information associated with said date of birth within said database;

determining from said date of birth whether said potential subscriber is of a predetermined age for obtaining access to information available from a plurality of information providers on said computer network;

providing an access code to said potential subscriber if said potential subscriber is of said predetermined age as determined from said date of birth; and

providing verification to said plurality of information providers that said access code is a valid access code.

2. The method of claim 1 wherein said off-site database is a database comprising consumer credit information.

3. The method of claim 1 wherein said information providers provide senior citizen discounts for on-line purchases.

4. The method of claim 1 wherein said information providers provide age-specific educational content.

5. The method of claim 1 wherein said information providers provide age-specific entertainment content.

6. The method of claim 1 wherein said predetermined age is 18 years or over, and said information providers maintain website which include adult entertainment.

7. The method of claim 3 wherein said potential subscriber information includes an electronic communications address, the method further including the step of:

evaluating whether said electronic communications address is a valid address.

8. A method for performing on-line age verification by querying an off-site database comprising the steps of:

an access code issuer using a first system receiving on-line first information from a potential subscriber;

transmitting a first query to a second system that is off-site from the first system, that contains a database not gathered by or supplied by the access code issuer, and that is managed by a party that is different from the access code issuer, using said first information from said potential subscriber;

receiving a first at least one record of information from said database including geographic information associated with said potential subscriber;

verifying said first record of information is associated with said potential subscriber;

transmitting a second query to said database using said first information from said potential subscriber and said geographic information associated with said potential subscriber from said database;

receiving a second at least one record of information from said database including a date of birth associated with said potential subscriber;

verifying said second record of information is associated with said potential subscriber;

determining from said date of birth whether said potential subscriber qualifies for obtaining access to information available from at least one information provider on a computer network;

providing an access code to said potential subscriber; and

providing verification to said at least one information provider that said access code is valid.

9. The method according to claim 8, further comprising the step of:

requesting on-line from said database a credit header for each said at least one record of information associated with said first information from said potential subscriber.

10. The method according to claim 9, wherein said credit header comprises age determination information associated with said potential subscriber.

11. The method according to claim 8, wherein said verification comprises notifying said at least one information provider that said access code was provided to said potential subscriber based on said potential subscriber'"'"'s age.

12. A method for performing on-line demographic verification comprising the steps of:

an access code issuer using a first system receiving on-line first information from a potential subscriber;

transmitting on-line a first query to a second system that is off-site from the first system, that contains a database not gathered by or supplied by the access code issuer, and that is managed by a party that is different from the access code issuer, using said first information from said potential subscriber, said first query including geographic information associated with said potential subscriber;

determining no record of information was found in said database from said first information associated with said potential subscriber;

requesting on-line second information from said potential subscriber;

transmitting on-line a second query to an off-site database using said second information from said potential subscriber,

receiving on-line at least one first record of information from said database including a date of birth associated with said potential subscriber;

verifying said at least one first record of information is associated with said potential subscriber;

determining from said at least one first record of information whether said potential subscriber has a correct demographic for obtaining access to information available from at east one information provider on a computer network; and

providing an access code to said potential subscriber.

13. An electronic age verification process for electronically verifying the age of an individual over a computer network including:

a. a first entity using a first system receiving geographic information about the individual and a name of the individual;

b. formulating a query containing at least the geographic information and the name of the individual;

c. delivering the query into a computer network for delivery to a second system that is off-site from the first system, that contains a database that contains database information about individuals, including age information, that was not gathered by or supplied by the first entity, and that is managed by a second entity that is different from the first entity;

d. receiving a response to the query from the third party that includes age information about the individual that was derived from a match between the geographic information and the name in the query and the database information in the database;

e. taking a first action if the age information meets a pre-determined criteria; and

f. taking a second action that is different from the first action if the age information does not meet the pre-determined criteria.

14. The electronic age verification process of claim 13 wherein:

a. the personal information includes credit card information; and

b. the first action includes allowing the individual to make a purchase.

15. The electronic age verification process of claim 13 wherein the age information is the age of the individual.

16. The electronic age verification process of claim 13 wherein the age information is the date of birth of the individual.

17. The electronic age verification process of claim 13 wherein the age information is whether the age of the individual does or does not meet a pre-determined criteria.

18. The electronic age verification process of claim 13 wherein the predetermined criteria is whether the individual is at least a certain age.

19. The electronic age verification process of claim 13 wherein the first action includes granting the individual access to a portion of a website that the individual would not be granted access to by the second action.

20. The electronic age verification process of claim 19 wherein the portion of the website contains adult-oriented material not suitable for viewing by children.

21. The electronic age verification process of claim 13 wherein the first action includes providing an access code.

22. The electronic age verification process of claim 13 wherein the first action includes displaying promotional material to the individual that would not be displayed to the individual by the second action.

23. The electronic age verification process of claim 13 wherein the network includes the Internet.