Patent Issued for Identity management framework (USPTO 11854011): United Services Automobile Association

2024 JAN 17 (NewsRx) -- By a News Reporter-Staff News Editor at Insurance Daily News -- From Alexandria, Virginia, NewsRx journalists report that a patent by the inventors Desai, Snehal (Richardson, TX, US), Liang, Minya (Redmond, WA, US), Prasad, Bharat (San Antonio, TX, US), filed on July 11, 2017, was published online on December 26, 2023.

The patent’s assignee for patent number 11854011 is United Services Automobile Association (San Antonio, Texas, United States).

News editors obtained the following quote from the background information supplied by the inventors: “Identity management is a broad technology area that deals with identifying individuals in a system (such as a country, a network, or an enterprise) and controlling access to resources within that system by associating user rights and restrictions with the established identity.

“Reputation management is the practice of attempting to shape public perception of a person or organization by influencing online information about that entity.

“In blockchain environments, such as BitCoin, anyone can claim ownership of an address by signing a message that includes the address. For example, a person can register an address with BitCoin and use that address for sending or receiving money. The address can also be used to sign messages. Thus, the “identity verification” currently performed in blockchain environments may only prove that an individual has access to an address, and may not actually verify the identity of the individual using the address. BitCoin and other blockchain environment currently do not have any trusted method of associating an identity with an address.”

As a supplement to the background information on this patent, NewsRx correspondents also obtained the inventors’ summary information for this patent: “Implementations of the present disclosure are generally directed to identity management.

“In general, innovative aspects of the subject matter described in this specification can be embodied in methods that include acts providing access to a decentralized identity management system to a user. The methods include- the act of storing user identity information on the decentralized identity management system. The methods include- the act of enabling one or more other users to store reputation information associated with the user identity. The methods also include the act of using the reputation information in a transaction with the user.

“Implementations can optionally include one or more of the following features: The methods may include the act of providing access to the decentralized identity management system includes using biometric information of a user to authenticate the user. The methods may include the acts of verifying the identity of the user including in person verification of the user by a trusted entity. The methods may include the act of sharing the verified identity information with an institution. The transaction may include for example, during a mobile check deposit transaction, determining a period of time between when a check is presented by the user and when the funds are made available to the user. The methods may include the act of storing transaction information about the user. The methods may include the act of determining a pattern of normalcy of transactions. The methods may include the act of detecting a disruption in the pattern. The methods may include the act of alerting an institution of potential fraud. The reputation information may include at least one of degrees earned, a record of military service, and a job history. The transactions may include storing the identity of the user, a check identifier, and a time the check was presented for deposit in a block chain for subsequent reference. The transaction may include receiving a check for deposit, determining, based on a record stored in a block chain, whether the check has been previously presented to a financial institution, and in response to determining the check has been previously presented, rejecting the deposit or putting a hold on the deposit.

“Other implementations of any of the above aspects include corresponding systems, apparatus, and computer programs that are configured to perform the actions of the methods, encoded on computer storage devices. The present disclosure also provides a computer-readable storage medium coupled to one or more processors and having instructions stored thereon which, when executed by the one or more processors, cause the one or more processors to perform operations in accordance with implementations of the methods provided herein. The present disclosure further provides a system for implementing the methods provided herein. The system includes one or more processors, and a computer-readable storage medium coupled to the one or more processors having instructions stored thereon which, when executed by the one or more processors, cause the one or more processors to perform operations in accordance with implementations of the methods provided herein.

“It is appreciated that aspects and features by the present disclosure can include any combination of the aspects and features described herein. That is, aspects and features by the present disclosure are not limited to the combinations of aspects, and features specifically described herein, but also include any combination of the aspects and features provided.”

The claims supplied by the inventors are:

“1. A computer-implemented method performed by at least one processor, the method comprising: storing user identity information for a user on a blockchain system of a decentralized identity management system; enabling one or more other users to provide reputation information associated with a user identity of the user; storing the provided reputation information associated with the user identity of the user on the blockchain system of the decentralized identity management system; collecting biometric data from the user using a biometric data collection device; providing access to the decentralized identity management system to the user by comparing the collected biometric data with previously collected biometric data to verify the user identity of the user; storing a plurality of user identity profiles associated with the user identity of the user on the blockchain system of the decentralized identity management system, wherein each user identity profile of the plurality of user identity profiles comprises specific reputation information associated with the user identity stored on the blockchain system of the decentralized identity management system, and wherein each user identity profile of the plurality of user identity profiles is associated with one or more types of institutions and one or more contexts for requests for information from the one or more types of institutions; receiving a request for information relating to a financial transaction involving the user from an institution; receiving a selection of a user identity profile of the plurality of user identity profiles to provide to the institution via the decentralized identity management system based on a type of the institution and based on a context of the request for information relating to the user; providing the selected user identity profile to the institution; and performing the financial transaction between the user and the institution based at least in part on the reputation information included in the selected user identity profile provided to the institution.

“2. The computer-implemented method of claim 1, further comprising: verifying the user identity of the user including in person verification of the user by a trusted entity; and sharing the verified identity of the user with an institution.

“3. The computer-implemented method of claim 1, wherein the financial transaction includes determining a period of time between when a check is presented by the user and when funds are made available to the user.

“4. The computer-implemented method of claim 3, further comprising storing the user identity of the user, a check identifier, and a time the check was presented for deposit in the blockchain system of the decentralized identity management system for subsequent reference.

“5. The computer-implemented method of claim 1, wherein the financial transaction includes: receiving a check for deposit; determining, based on a record stored in the blockchain system of the decentralized identity management system, whether the check has been previously presented to a financial institution, and in response to determining that the check has been previously presented, rejecting or putting a hold on the deposit.

“6. The computer-implemented method of claim 1, further comprising: storing financial transaction information about the user; determining a pattern of normalcy of financial transactions; detecting a disruption in the pattern of normalcy; and alerting an institution of potential fraud.

“7. The computer-implemented method of claim 1, wherein the reputation information includes at least one of degrees earned, a record of military service, and a job history.

“8. The computer-implemented method of claim 1, wherein the biometric data comprises data relating to a fingerprint image, data relating to a retinal image, data relating to an image of the user’s face or other body portion, data relating to a voice print pattern, data describing a heartbeat of the user, data describing a pulse of the user, data describing brainwave activity of the user, data describing a galvanic skin response of the user, data describing a body tremor of the user, data describing a gait of the user, data describing an electrical impedance of the user, or some combination thereof.

“9. A decentralized identity management system, comprising: a blockchain system configured to store data relating to reputation information and user profiles of users associated with the reputation information; a biometric collection device configured to collect biometric data; at least one processor; and a memory communicatively coupled to the at least one processor, the memory storing instructions which, when executed by the at least one processor, cause the at least one processor to perform operations comprising: storing user identity information for a user on the blockchain system of the decentralized identity management system; enabling one or more other users to provide reputation information associated with a user identity of the user; storing the provided reputation information associated with the user identity of the user on the blockchain system of the decentralized identity management system; collecting biometric data from the user using a biometric data collection device; providing access to the decentralized identity management system to the user by comparing the collected biometric data with previously collected biometric data to verify the user identity of the user; storing a plurality of user identity profiles associated with the user identity of the user on the blockchain system of the decentralized identity management system, wherein each user identity profile of the plurality of user identity profiles comprises specific reputation information associated with the user identity stored on the blockchain system of the decentralized identity management system, and wherein each user identity profile of the plurality of user identity profiles is associated with one or more types of institutions and one or more contexts for requests for information from the one or more types of institutions; receiving a request for information relating to a financial transaction involving the user from an institution; receiving a selection of a user identity profile of the plurality of user identity profiles to provide to the institution via the decentralized identity management system based on a type of the institution and based on a context of the request for information relating to the user; providing the selected user identity profile to the institution; and performing the financial transaction between the user and the institution based at least in part on the reputation information included in the selected user identity profile provided to the institution.

“10. The decentralized identity management system of claim 9, further comprising: verifying the user identity of the user including in person verification of the user by a trusted entity; and sharing the verified identity of the user with an institution.

“11. The decentralized identity management system of claim 9, wherein the financial transaction includes determining a period of time between when a check is presented by the user and when funds are made available to the user.

“12. The decentralized identity management system of claim 11, wherein the financial transaction further includes: storing the user identity of the user, a check identifier, and a time the check was presented for deposit in the blockchain system of the decentralized identity management system for subsequent reference.

“13. The decentralized identity management system of claim 9, wherein the financial transaction includes: receiving a check for deposit; determining, based on a record stored in the blockchain system of the decentralized identity management system, whether the check has been previously presented to a financial institution, and in response to determining that the check has been previously presented, rejecting or putting a hold on the deposit.

“14. The decentralized identity management system of claim 9, further comprising: storing financial transaction information about the user; determining a pattern of normalcy of financial transactions; detecting a disruption in the pattern of normalcy; and alerting an institution of potential fraud.

“15. The decentralized identity management system of claim 9, wherein the reputation information includes at least one of degrees earned, a record of military service, and a job history.

“16. The decentralized identity management system of claim 9, wherein the biometric data comprises data relating to a fingerprint image, data relating to a retinal image, data relating to an image of the user’s face or other body portion, data relating to a voice print pattern, data describing a heartbeat of the user, data describing a pulse of the user, data describing brainwave activity of the user, data describing a galvanic skin response of the user, data describing a body tremor of the user, data describing a gait of the user, data describing an electrical impedance of the user, or some combination thereof.”

There are additional claims. Please visit full patent to read further.

For additional information on this patent, see: Desai, Snehal. Identity management framework. U.S. Patent Number 11854011, filed July 11, 2017, and published online on December 26, 2023. Patent URL (for desktop use only): https://ppubs.uspto.gov/pubwebapp/external.html?q=(11854011)&db=USPAT&type=ids

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