Patent Application Titled “Systems And Methods For Digital Identity Score” Published Online (USPTO 20230177495): Allstate Insurance Company

2023 JUN 26 (NewsRx) -- By a News Reporter-Staff News Editor at Insurance Daily News -- According to news reporting originating from Washington, D.C., by NewsRx journalists, a patent application by the inventors Duffy, Columb (Derry, GB); Faulkner, Ryan (Dungannon, GB); Gee, Brennan (Roanoke, VA, US); Rice, Brian (Antrim, GB), filed on December 3, 2021, was made available online on June 8, 2023.

The assignee for this patent application is Allstate Insurance Company (Northbrook, Illinois, United States).

Reporters obtained the following quote from the background information supplied by the inventors: “Currently, there are many digital identity and internet challenges today. First, too many passwords leads to authentication providers brokering authentication and learning behaviors of consumers. Second, digital trust can be one-way with consumers authenticating with a website. This can lead to phishing. Third, there are data quality concerns and high-trust transaction needs (e.g., opening a bank account requiring strong know-your-customer (KYC) information). These concerns and needs may be expensive for in-house experts to prevent fraud and may require external data verification services. Lastly, data centralization may create attractive targets for hackers and provide high risk and expense for enterprises and organizations to protect.

“As consumers continue to utilize digital environments and use digital identities, there will be a need to identify a consumer, with high reliability, and there is an opportunity to avoid effort/process duplication by multiple parties by reusing some prior evaluation of the consumer’s identity.”

In addition to obtaining background information on this patent application, NewsRx editors also obtained the inventors’ summary information for this patent application: “In light of the foregoing background, the following presents a simplified summary of the present disclosure in order to provide a basic understanding of some aspects of the invention. This summary is not an extensive overview of the invention. It is not intended to identify key or critical elements of the invention or to delineate the scope of the invention. The following summary merely presents some concepts of the invention in a simplified form as a prelude to the more detailed description provided below.

“Aspects of the disclosure address one or more of the issues mentioned above by disclosing methods, computer readable storage media, software, systems, and apparatuses to calculate a digital identity score from verifiable credentials from a consumer’s digital wallet.

“In some aspects, the system may include at least one processor and a memory unit storing computer-executable instructions. The system may be configured to, in operation, receive, from a digital wallet of a consumer connected to a processor, one or more verifiable credentials from the consumer, wherein the one or more verifiable credentials include one or more elements of identity data. The system may also be configured to, in operation, determine, by the processor, weights of the one or more elements of identity data from the one or more verifiable credentials. The system may also be configured to, in operation, calculate, by the processor, a digital identity score based on one or more elements of identity data and the weighting of the one or more elements of identity data. The system may also be configured to, in operation, send, by the processor, the digital identity score as an identity score verifiable credential to the consumer in the digital wallet.

“In other embodiments, the identity score verifiable credential may be encrypted and may require a key to decrypt a plurality of details for the identity score verifiable credential. The system may, in operation, receive validation of the digital identity score by verifying an accuracy of the one or more verifiable credentials. Additionally, the weights of the one or more elements of identity data from the one or more verifiable credentials may be based on one or more of the following: an issuer of each of the one or more verifiable credentials, specific elements from the one or more elements of identity data, or a correlation or contradiction of the various elements of identity data from the one or more verifiable credentials. The system may also be configured to, in operation, scan, by the processor, the one or more verifiable credentials to obtain information needed for an insurance quotation; and automatically generate, by the processor, the insurance quotation with the information from the one or more verifiable credentials. Additionally, the consumer may selectively pick the one or more verifiable credentials and the one or more elements of identity data to be used for calculating the digital identity score. The system may also be configured to, in operation, determine and re-calculate, by a machine learning algorithm executing on the processor, the weights and the digital identity score based on learning trends and historical calculations of digital identity scores.

“Of course, the methods and systems of the above-referenced embodiments may also include other additional elements, steps, computer-executable instructions, or computer-readable data structures. In this regard, other embodiments are disclosed and claimed herein as well. The details of these and other embodiments of the present invention are set forth in the accompanying drawings and the description below. Other features and advantages of the invention will be apparent from the description, drawings, and claims.”

The claims supplied by the inventors are:

“1. An apparatus, comprising: a processor; a memory unit storing computer-executable instructions, which when executed by the processor, cause the apparatus to: receive, from a digital wallet of a consumer connected to the processor, one or more verifiable credentials from the consumer, wherein the one or more verifiable credentials include one or more elements of identity data; determine, by the processor, weights of the one or more elements of identity data from the one or more verifiable credentials; calculate, by the processor, a digital identity score based on one or more elements of identity data and the weighting of the one or more elements of identity data; and send, by the processor, the digital identity score as an identity score verifiable credential to the consumer in the digital wallet.

“2. The apparatus of claim 1, wherein the identity score verifiable credential is encrypted and requires a key to decrypt a plurality of details for the identity score verifiable credential.

“3. The apparatus of claim 1, wherein the computer-executable instructions, when executed by the processor, further cause the apparatus to: receive validation of the digital identity score by verifying an accuracy of the one or more verifiable credentials.

“4. The apparatus of claim 1, wherein the weights of the one or more elements of identity data from the one or more verifiable credentials is based on one or more of the following: an issuer of each of the one or more verifiable credentials, specific elements from the one or more elements of identity data, or a correlation or contradiction of the various elements of identity data from the one or more verifiable credentials.

“5. The apparatus of claim 1, wherein the computer-executable instructions, when executed by the processor, further cause the apparatus to: scan, by the processor, the one or more verifiable credentials to obtain information needed for an insurance quotation; and automatically generate, by the processor, the insurance quotation with the information from the one or more verifiable credentials.

“6. The apparatus of claim 1, wherein the consumer selectively picks the one or more verifiable credentials and the one or more elements of identity data to be used for calculating the digital identity score.

“7. The apparatus of claim 1, wherein the computer-executable instructions, when executed by the processor, further cause the apparatus to: determine, by the processor, the weights via a machine learning algorithm trained to recognize authentic identity claims based on data associated with the one or more verifiable credentials that were presented or omitted.

“8. A method comprising: receiving, from a digital wallet of a consumer connected to a processor, one or more verifiable credentials from the consumer, wherein the one or more verifiable credentials include one or more elements of identity data; determining, by the processor, weights of the one or more elements of identity data from the one or more verifiable credentials; calculating, by the processor, a digital identity score based on one or more elements of identity data and the weighting of the one or more elements of identity data; and sending, by the processor, the digital identity score as an identity score verifiable credential to the consumer in the digital wallet.

“9. The method of claim 8, wherein the identity score verifiable credential is encrypted and requires a key to decrypt a plurality of details for the identity score verifiable credential.

“10. The method of claim 8, further comprising: receiving validation of the digital identity score by verifying an accuracy of the one or more verifiable credentials.

“11. The method of claim 8, wherein the weights of the one or more elements of identity data from the one or more verifiable credentials is based on one or more of the following: an issuer of each of the one or more verifiable credentials, specific elements from the one or more elements of identity data, or a correlation or contradiction of the various elements of identity data from the one or more verifiable credentials.

“12. The method of claim 8, further comprising: scanning, by the processor, the one or more verifiable credentials to obtain information needed for an insurance quotation; and automatically generating, by the processor, the insurance quotation with the information from the one or more verifiable credentials.

“13. The method of claim 8, wherein the consumer selectively picks the one or more verifiable credentials and the one or more elements of identity data to be used for calculating the digital identity score.

“14. The method of claim 8, wherein the calculating, by the processor, includes calculating via a machine learning algorithm the digital identity score based on learning trends and historical calculations of digital identity scores.

“15. One or more non-transitory computer-readable media storing instructions that, when executed by a computing device, cause the computing device to: receive, from a digital wallet of a consumer connected to a processor, one or more verifiable credentials from the consumer, wherein the one or more verifiable credentials include one or more elements of identity data; determine, by the processor, weights of the one or more elements of identity data from the one or more verifiable credentials; calculate, by the processor, a digital identity score based on one or more elements of identity data and the weighting of the one or more elements of identity data; and send, by the processor, the digital identity score as an identity score verifiable credential to the consumer in the digital wallet.

“16. The one or more non-transitory computer-readable media of claim 15, wherein the identity score verifiable credential is encrypted and requires a key to decrypt a plurality of details for the identity score verifiable credential.

“17. The one or more non-transitory computer-readable media of claim 15, wherein the weights of the one or more elements of identity data from the one or more verifiable credentials is based on one or more of the following: an issuer of each of the one or more verifiable credentials, specific elements from the one or more elements of identity data, or a correlation or contradiction of the various elements of identity data from the one or more verifiable credentials.

“18. The one or more non-transitory computer-readable media of claim 15, storing further instructions that, when executed by the computing device, cause the computing device to: scan, by the processor, the one or more verifiable credentials to obtain information needed for an insurance quotation; and automatically generate, by the processor, the insurance quotation with the information from the one or more verifiable credentials.

“19. The one or more non-transitory computer-readable media of claim 15, wherein the consumer selectively picks the one or more verifiable credentials and the one or more elements of identity data to be used for calculating the digital identity score.

“20. The one or more non-transitory computer-readable media of claim 15, storing further instructions that, when executed by the computing device, cause the computing device to: determine and re-calculate, by a machine learning algorithm executing on the processor, the weights and the digital identity score based on learning trends and historical calculations of digital identity scores.”

For more information, see this patent application: Duffy, Columb; Faulkner, Ryan; Gee, Brennan; Rice, Brian. Systems And Methods For Digital Identity Score. U.S. Patent Application Number 20230177495, filed December 3, 2021 and posted June 8, 2023. Patent URL (for desktop use only): https://ppubs.uspto.gov/pubwebapp/external.html?q=(20230177495)&db=US-PGPUB&type=ids

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