Access control system for implementing access restrictions of regulated database records while identifying and providing indicators of regulated database records matching validation criteria

• US 9,767,309 B1
• Filed: 08/31/2016
• Issued: 09/19/2017
• Est. Priority Date: 11/23/2015
• Status: Active Grant

• Current Assignee: Experian Marketing Solutions, LLC (Experian plc)
• Original Assignee: Experian Information Solutions Incorporated (Experian plc)
• Inventors: Patel, Rakesh, Nicholl, Mara, Harju, Lindsey
• Primary Examiner(s): Cribbs, Malcolm
• Application Number:
  US15/253,743
• Time in Patent Office: 384 Days
• Field of Search: None
• CPC Class Codes: G06F 16/24578 using ranking
• CPC Class Codes: G06F 16/9535 Search customisation based on user profiles and personalisation
• CPC Class Codes: G06F 21/6218 to a system of files or objects, e.g. local or distributed file system or database
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof
• CPC Class Codes: H04L 63/102 Entity profiles

Abstract

A digital targeting system is configured to access data to determine users that satisfy content factors, such as pre-validation criteria, based on user information stored in a database having restrictions on sharing of user data, such as government regulations on sharing of the user information. The digital targeting system may then generate a pre-validated user ID list indicating those users that match the content factors. Users on the pre-validated user ID list may then be matched to users in other databases, such as a digital ID database, to identify digital IDs for the users that are usable by a digital display entity.

Claims

1. A system for displaying offers to customers of a digital display entity, the system comprising:

a pre-validation system, comprising;

one or more hardware computer processors; and

one or more storage devices configured to store software instructions executable by the one or more hardware computer processors to cause the pre-validation system to;

receive pre-validation criteria indicating attributes of users that qualify them for a content item from a provider;

access a regulated database of regulated user records including, for each of a plurality of users, a regulated user ID and a plurality of regulated user attributes, wherein access to the user records is regulated by third-party regulations;

receive from an external targeting system, a targeting database comprising a plurality of targeting records associated with respective users, each targeting record including a user ID and associated personal user information;

for each of the user IDs of the targeting database;

correlate the user ID with a regulated user record of the regulated database based at least on one or more matches of personal user information of the user IDs and corresponding of the plurality of regulated user attributes of the regulated user records;

determine whether the plurality of regulated user attributes of the regulated user record identified as matching the user ID of the targeting database meet the pre-validation criteria;

if the pre-validation criteria are met, identify the user ID as pre-validated; and

if the pre-validation criteria are not met, do not identify the user ID as pre-validated;

generate a pre-validated user ID list including each of the pre-validated user IDs, wherein the pre-validated user ID list does not include any regulated user attributes from the regulated database; and

transmit the pre-validated user ID list to the targeting system;

the targeting system comprising;

one or more hardware computer processors; and

one or more storage devices configured to store software instructions executable by the one or more hardware computer processors to cause the targeting system to;

receive the pre-validated user ID list from the pre-validation system;

receive, from a third-party digital display entity, a digital entity database comprising a plurality of digital user records associated with respective users of a service provided by the digital display entity, each of the digital user records including a digital ID and personal information of the associated user, the digital IDs assigned by the third-party digital display entity and usable to uniquely identify users accessing the service provided by the digital display entity;

for each of the digital IDs in the digital entity database, search the targeting database for personal user information matching personal information of the digital user record corresponding to the digital ID;

if matching personal user information is identified in the targeting database, add the digital ID to a digital ID list;

if matching personal user information is not identified in the targeting database, do not add the digital ID to the digital ID list; and

transmit the digital ID list to the digital display entity, wherein the digital ID list identifies users having regulated user attributes in the regulated database matching the pre-validation criteria, the digital ID list configured to allow the digital display entity to identify respective users as qualifying for the content item from the provider in response to the users'"'"' digital IDs being included on the digital ID list.

2. The system of claim 1, wherein the regulated database further includes one or more non-regulated attributes that are not subject to the third-party regulations.

3. The system of claim 1, wherein correlating user IDs comprises:

determining a confidence level indicating a degree of correlation between personal user information and the plurality of regulated user attributes; and

identifying the user ID as a pre-validated user ID only if the confidence level meets a minimum threshold confidence level.

4. The system of claim 1, wherein determining whether the plurality of regulated user attributes match the pre-validation criteria comprises:

receive a weighting for each pre-validation criteria;

weighting each determination based on the respective pre-validation criteria weightings;

determine an overall score based on the weighted determinations of pre-validation criteria; and

determine if the overall score meets a certain threshold.

5. The system of claim 1, wherein pre-validation criteria comprise a minimum or maximum value associated with at least one of:

a credit score, bankruptcy data, debt, types of credit, length of credit use, late payments, lines of new credit opened, or total debt.

6. The system of claim 1, wherein the personal user information comprises at least one of:

name, address, phone number, or email.

7. The system of claim 1, wherein transmitting the digital ID list to the digital display entity comprises transmitting the digital IDs without transmitting the corresponding user IDs from the targeting database.

8. The system of claim 1, wherein the targeting system periodically provides at least portions of the targeting database to the pre-validation system.

10. The system of claim 1, wherein the regulated user records are Fair Credit Reporting Act (“

FCRA”

) regulated credit data from one or more credit bureaus.

11. The system of claim 1, wherein the pre-validation criteria indicate minimum requirements of the provider to provide a credit offer, and the provider is a credit issuer.

9. A system for displaying offers to customers of a digital display entity, the system comprising:

a pre-validation system, comprising;

one or more hardware computer processors; and

one or more storage devices configured to store software instructions executable by the one or more hardware computer processors to cause the pre-validation system to;

receive pre-validation criteria indicating attributes of users that qualify them for a content item from a provider;

access a regulated database of regulated user records including, for each of a plurality of users, a regulated user ID and a plurality of regulated user attributes, wherein access to the user records is regulated by third-party regulations;

receiving from an external targeting system, a targeting database comprising a plurality of targeting records associated with respective users, each targeting record including a user ID and associated personal user information;

for each of the user IDs of the targeting database;

correlate the user ID with a regulated user record of the regulated database based at least on one or more matches of personal user information of the user IDs and corresponding of the plurality of regulated user attributes of the regulated user records;

determine whether the plurality of regulated user attributes of the regulated user record identified as matching the user ID of the targeting database meet the pre-validation criteria;

if the pre-validation criteria are met, identify the user ID as pre-validated; and

if the pre-validation criteria are not met, do not identify the user ID as pre-validated;

generate a pre-validated user ID list including each of the pre-validated user IDs, wherein the pre-validated user ID list does not include any regulated user attributes from the regulated database; and

transmit the pre-validated user ID list to the targeting system;

the targeting system comprising;

one or more hardware computer processors; and

one or more storage devices configured to store software instructions executable by the one or more hardware computer processors to cause the targeting system to;

receive the pre-validated user ID list from the pre-validation system;

receive, from third-party digital display entity, a digital entity database comprising a plurality of digital user records associated with respective users of a service provided by the digital display entity, each of the digital user records including a digital ID and personal information of the associated user, the digital IDs assigned by the third-party digital display entity and usable to uniquely identify users accessing the service provided by the digital display entity;

for each of the digital IDs in the digital entity database, search the targeting database for personal user information matching personal information of the digital user record corresponding to the digital ID;

if matching personal user information is identified in the targeting database, add the digital ID to a digital ID list;

if matching personal user information is not identified in the targeting database, do not add the digital ID to the digital ID list; and

transmit the digital ID list to the digital display entity, wherein the digital ID list identifies users having regulated user attributes in the regulated database matching the pre-validation criteria, the digital ID list configured to allow the digital display entity to identify respective users as qualifying for the content item from the provider based on nothing more than the users'"'"' digital IDs being included on the digital ID list and display the content item to the user,

wherein the stored software instructions further cause the pre-validation system to;

receive from a user device user authentication information;

if the user is authenticated, deploy a firm offer on a product; and

if the user is not authenticated, deploy a general offer.

12. A system comprising:

a pre-validation system, comprising;

one or more hardware computer processors; and

one or more storage devices configured to store software instructions executable by the one or more hardware computer processors to cause the pre-validation system to;

receive pre-validation criteria indicating attributes of users that qualify them for a content item from a provider;

access a regulated database of regulated user records including, for each of a plurality of users, a regulated user ID and a plurality of regulated user attributes, wherein access to the user records is regulated by third-party regulations;

receiving from an external targeting system, a targeting database comprising a plurality of targeting records associated with respective users, each targeting record including a user ID and associated personal user information;

for each of the user IDs of the targeting database;

correlate the user ID with a regulated user record of the regulated database based at least on one or more matches of personal user information of the user IDs and corresponding of the plurality of regulated user attributes of the regulated user records;

determine whether the plurality of regulated user attributes of the regulated user record identified as matching the user ID of the targeting database meet the pre-validation criteria;

if the pre-validation criteria are met, identify the user ID as pre-validated; and

if the pre-validation criteria are not met, do not identify the user ID as pre-validated;

generate a pre-validated user ID list including each of the pre-validated user IDs, wherein the pre-validated user ID list does not include any regulated user attributes from the regulated database; and

transmit the pre-validated user ID list to the targeting system;

the targeting system comprising;

one or more hardware computer processors; and

one or more storage devices configured to store software instructions executable by the one or more hardware computer processors to cause the targeting system to;

receive the pre-validated user ID list from the pre-validation system;

receive, from a third-party digital display entity, a digital entity database comprising a plurality of digital user records associated with respective users of a service provided by the digital display entity, each of the digital user records including a digital ID and personal information of the associated user, the digital IDs assigned by the third-party digital display entity and usable to uniquely identify users accessing the service provided by the digital display entity;

for each of the digital IDs in the digital entity database, search the targeting database for personal user information matching personal information of the digital user record corresponding to the digital ID;

if matching personal user information is identified in the targeting database, add the digital ID to a digital ID list;

if matching personal user information is not identified in the targeting database, do not add the digital ID to the digital ID list; and

transmit the digital ID list to the digital display entity, wherein the digital ID list identifies users having regulated user attributes in the regulated database matching the pre-validation criteria, the digital ID list configured to allow the digital display entity to identify and initiate display of offers to respective users qualifying for the content item from the provider in response to the users'"'"' digital IDs being included on the digital ID list.

13. The system of claim 12, wherein correlating user IDs comprises:

determining a confidence level indicating a degree of correlation between personal user information and the plurality of regulated user attributes; and

identifying the user ID as a pre-validated user ID only if the confidence level meets a minimum threshold confidence level.

14. The system of claim 12, wherein determining whether the plurality of regulated user attributes match the pre-validation criteria comprises:

receive a weighting for each pre-validation criteria;

weighting each determination based on the respective pre-validation criteria weightings;

determine an overall score based on the weighted determinations of pre-validation criteria; and

determine if the overall score meets a certain threshold.

15. The system of claim 12, wherein the regulated database comprises credit data maintained by one or more credit bureaus, the users are individual consumers, the pre-validation criteria are criteria for prescreening the individual consumers to identify those eligible to receive a credit card offer, the content item is a credit card offer, the digital display entity is a social media provider, and the digital IDs are social media identifiers used by the social media provider.

16. The system of claim 12, wherein the stored software instructions further cause the pre-validation system to:

receive from a user device user authentication information;

if the user is authenticated, deploy a firm offer on a product; and

if the user is not authenticated, deploy a general offer.

17. A method comprising:

receiving pre-validation criteria indicating attributes of users that qualify them for a content item from a provider;

accessing a regulated database of regulated user records including, for each of a plurality of users, a regulated user ID and a plurality of regulated user attributes, wherein access to the user records is regulated by third-party regulations;

receiving a targeting database comprising a plurality of targeting records associated with respective users, each targeting record including a user ID and associated personal user information;

for each of the user IDs of the targeting database;

correlating the user ID with a regulated user record of the regulated database based at least on one or more matches of personal user information of the user IDs and corresponding of the plurality of regulated user attributes of the regulated user records;

determining whether the plurality of regulated user attributes of the regulated user record identified as matching the user ID of the targeting database meet the pre-validation criteria;

if the pre-validation criteria are met, identifying the user ID as pre-validated; and

if the pre-validation criteria are not met, not identifying the user ID as pre-validated;

generating a pre-validated user ID list including each of the pre-validated user IDs, wherein the pre-validated user ID list does not include any regulated user attributes from the regulated database; and

transmitting the pre-validated user ID list to a targeting system;

receiving the pre-validated user ID list from a pre-validation system;

receiving, from a third-party digital display entity, a digital entity database comprising a plurality of digital user records associated with respective users of a service provided by the digital display entity, each of the digital user records including a digital ID and personal information of the associated user, the digital IDs assigned by the third-party digital display entity and usable to uniquely identify users accessing the service provided by the digital display entity;

for each of the digital IDs in the digital entity database, searching the targeting database for personal user information matching personal information of the digital user record corresponding to the digital ID;

if matching personal user information is identified in the targeting database, adding the digital ID to a digital ID list;

if matching personal user information is not identified in the targeting database, do not add the digital ID to the digital ID list; and

transmitting the digital ID list to the digital display entity, wherein the digital ID list identifies users having regulated user attributes in the regulated database matching the pre-validation criteria, the digital ID list configured to allow the digital display entity to identify and initiate display of offers to respective users as qualifying for the content item from the provider in response to the users'"'"' digital IDs being included on the digital ID list.

18. The method of claim 17, wherein correlating the user ID comprises:

determining a confidence level indicating a degree of correlation between personal user information and the plurality of regulated user attributes; and

identifying the user ID as a pre-validated user ID only if the confidence level meets a minimum threshold confidence level.

19. The method of claim 17, wherein determining whether the plurality of regulated user attributes match the pre-validation criteria comprises:

receive a weighting for each pre-validation criteria;

weighting each determination based on the respective pre-validation criteria weightings;

determine an overall score based on the weighted determinations of pre-validation criteria; and

determine if the overall score meets a certain threshold.

20. The method of claim 17, wherein the regulated database comprises credit data maintained by one or more credit bureaus, the users are individual consumers, the pre-validation criteria are criteria for prescreening the individual consumers to identify those eligible to receive a credit card offer, the content item is a credit card offer, the digital display entity is a social media provider, and the digital IDs are social media identifiers used by the social media provider.

21. The method of claim 17, wherein the regulated user records are Fair Credit Reporting Act (“

FCRA”

) regulated credit data from one or more credit bureaus.

22. A non-transitory computer readable storage medium having computer-executable instructions stored thereon, the computer-executable instructions executable by a computing device having one or more hardware processors, wherein the computer-executable instructions are executable to perform operations comprising:

receiving pre-validation criteria indicating attributes of users that qualify them for a content item from a provider;

accessing a regulated database of regulated user records including, for each of a plurality of users, a regulated user ID and a plurality of regulated user attributes, wherein access to the user records is regulated by third-party regulations;

receiving a targeting database comprising a plurality of targeting records associated with respective users, each targeting record including a user ID and associated personal user information;

for each of the user IDs of the targeting database;

correlating the user ID with a regulated user record of the regulated database based at least on one or more matches of personal user information of the user IDs and corresponding of the plurality of regulated user attributes of the regulated user records;

determining whether the plurality of regulated user attributes of the regulated user record identified as matching the user ID of the targeting database meet the pre-validation criteria;

if the pre-validation criteria are met, identifying the user ID as pre-validated; and

if the pre-validation criteria are not met, not identifying the user ID as pre-validated;

generating a pre-validated user ID list including each of the pre-validated user IDs, wherein the pre-validated user ID list does not include any regulated user attributes from the regulated database; and

transmitting the pre-validated user ID list to a targeting system;

receiving the pre-validated user ID list from a pre-validation system;

receiving, from a third-party digital display entity, a digital entity database comprising a plurality of digital user records associated with respective users of a service provided by the digital display entity, each of the digital user records including a digital ID and personal information of the associated user, the digital IDs assigned by the third-party digital display entity and usable to uniquely identify users accessing the service provided by the digital display entity;

for each of the digital IDs in the digital entity database, searching the targeting database for personal user information matching personal information of the digital user record corresponding to the digital ID;

if matching personal user information is identified in the targeting database, adding the digital ID to a digital ID list;

if matching personal user information is not identified in the targeting database, do not add the digital ID to the digital ID list; and

transmitting the digital ID list to the digital display entity, wherein the digital ID list identifies users having regulated user attributes in the regulated database matching the pre-validation criteria, the digital ID list configured to allow the digital display entity to identify and initiate display of offers to respective users as qualifying for the content item from the provider in response to the users'"'"' digital IDs being included on the digital ID list.

23. The non-transitory computer readable storage medium of claim 22, wherein correlating the user ID comprises:

determining a confidence level indicating a degree of correlation between personal user information and the plurality of regulated user attributes; and

identifying the user ID as a pre-validated user ID only if the confidence level meets a minimum threshold confidence level.

24. The non-transitory computer readable storage medium of claim 22, wherein determining whether the plurality of regulated user attributes match the pre-validation criteria comprises:

receive a weighting for each pre-validation criteria;

weighting each determination based on the respective pre-validation criteria weightings;

determine an overall score based on the weighted determinations of pre-validation criteria; and

determine if the overall score meets a certain threshold.

25. The non-transitory computer readable storage medium of claim 22, the regulated database comprises credit data maintained by one or more credit bureaus, the users are individual consumers, the pre-validation criteria are criteria for prescreening the individual consumers to identify those eligible to receive a credit card offer, the content item is a credit card offer, the digital display entity is a social media provider, and the digital IDs are social media identifiers used by the social media provider.

26. The non-transitory computer readable storage medium of claim 22, wherein the regulated user records are Fair Credit Reporting Act (“

FCRA”

) regulated credit data from one or more credit bureaus.