Systems and methods for controlling access to data records

    公开(公告)号:US12130936B2

    公开(公告)日:2024-10-29

    申请号:US17376254

    申请日:2021-07-15

    IPC分类号: G06F21/62 G06F21/32 G06V40/16

    摘要: A computer-implemented method is disclosed. The method includes: detecting a trigger event associated with a data record; in response to detecting the trigger event, enabling an access control for the data record, the access control defining one or more restrictions on accessing the data record; receiving at least one biometric data capture of a user and a digital form of at least one identification document associated with the user; obtaining verification results representing an identity verification status of the user based on a document verification process using the at least one biometric data capture and the digital form; in response to determining that the verification results satisfy first conditions: verifying user-inputted data based on contents of the at least one identification document; and in response to the verifying, disabling the access control for the data record.

    Method and system for obtaining consent to perform an operation

    公开(公告)号:US11989278B2

    公开(公告)日:2024-05-21

    申请号:US18179517

    申请日:2023-03-07

    摘要: A server comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to receive, via the communications module and from a computing device, a signal representing a request to add an authorized user to an account of an entity hosted by a first institution associated with the server; send, via the communications module and to a second server associated with a second institution hosting an account of the authorized user, a signal that includes a unique key and an identifier of the entity, the signal causing the second server to store the unique key and the identifier in memory and associating the unique key and the identifier with the account of the authorized user; receive a signal representing a request to perform an operation for the entity; in response to receiving the request to perform the operation, send, via the communications module and to a digital identity network, a request for a unique key associated with the entity; receive, via the communications module and from the digital identity network, the unique key; and in response to receiving the unique key, perform the operation.

    Method and system for managing access to entity identity data

    公开(公告)号:US11966495B2

    公开(公告)日:2024-04-23

    申请号:US18187227

    申请日:2023-03-21

    摘要: A system and method for managing access to entity identity data are described. The system comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to authenticate a remote device as being associated with an entity; receive, via the communications module and from the remote device, pre-consent data identifying one or more third parties permitted to access entity identity data for the entity; store, in the memory, the pre-consent data in association with the entity; receive, via the communications module and from a digital identity network, a signal representing a request to release the entity identity data to the third party; determine, based on the pre-consent data, that the entity identity data is to be released to the third party; and initiate release of the entity identity data to a computing device associated with the third party.

    Method and system for performing an operation

    公开(公告)号:US11645641B2

    公开(公告)日:2023-05-09

    申请号:US17071438

    申请日:2020-10-15

    IPC分类号: G06Q20/32 G06Q20/40

    摘要: A server comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to receive, via the communications module and from a computing device, a signal representing a request to perform an operation from a user; determine that the user does not have a persistent account; and when it is determined that the user does not have a persistent account: obtain, via the communications module and from a digital identity network, a signal including verified identity data of the user; generate a temporary data record and associate the temporary data record with the verified identity data of the user; receive a value transfer based on the requested operation and store the received value in the temporary data record; and perform the operation using the stored value in the temporary data record.

    Method and system for managing access to entity identity data

    公开(公告)号:US11636225B2

    公开(公告)日:2023-04-25

    申请号:US16881088

    申请日:2020-05-22

    IPC分类号: G06F21/62 H04L9/40 G06F21/34

    摘要: A system and method for managing access to entity identity data are described. The system comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to authenticate a remote device as being associated with an entity; receive, via the communications module and from the remote device, pre-consent data identifying one or more third parties permitted to access entity identity data for the entity; store, in the memory, the pre-consent data in association with the entity; receive, via the communications module and from a digital identity network, a signal representing a request to release the entity identity data to the third party; determine, based on the pre-consent data, that the entity identity data is to be released to the third party; and initiate release of the entity identity data to a computing device associated with the third party.

    Method and system for performing an operation

    公开(公告)号:US12008541B2

    公开(公告)日:2024-06-11

    申请号:US18076864

    申请日:2022-12-07

    IPC分类号: G06Q20/32 G06Q20/40

    摘要: A server comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to receive, via the communications module and from a computing device, a signal representing a request to perform an operation from a user; determine that the user does not have a persistent account; and when it is determined that the user does not have a persistent account: obtain, via the communications module and from a digital identity network, a signal including verified identity data of the user; generate a temporary data record and associate the temporary data record with the verified identity data of the user; receive a value transfer based on the requested operation and store the received value in the temporary data record; and perform the operation using the stored value in the temporary data record.

    Method and system for initiating a transfer of resources

    公开(公告)号:US11956244B2

    公开(公告)日:2024-04-09

    申请号:US17941065

    申请日:2022-09-09

    IPC分类号: H04L9/40

    CPC分类号: H04L63/102 H04L63/083

    摘要: A server comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to authenticate a user via a first authentication channel; receive, via the communications module and from a computing device associated with the user, a signal representing a request to transfer a first quantity of resources; determine that the first quantity of resources is less than a first threshold associated with the first authentication channel; obtain identity data associated with the request to transfer the first quantity of resources; determine, based on the identity data, that a request to transfer a second quantity of resources has been previously initiated by the user via a second authentication channel that is different than the first authentication channel; and determine that the sum of the first quantity of resources and the second quantity of resources is less than the first threshold, and in response to determining that the sum of the first quantity of resources and the second quantity of resources is less than the first threshold, initiate the transfer of the first quantity of resources.

    Method and system for obtaining consent to perform an operation

    公开(公告)号:US11636194B2

    公开(公告)日:2023-04-25

    申请号:US17004543

    申请日:2020-08-27

    摘要: A server comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to receive, via the communications module and from a computing device, a signal representing a request to add an authorized user to an account of an entity hosted by a first institution associated with the server; send, via the communications module and to a second server associated with a second institution hosting an account of the authorized user, a signal that includes a unique key and an identifier of the entity, the signal causing the second server to store the unique key and the identifier in memory and associating the unique key and the identifier with the account of the authorized user; receive a signal representing a request to perform an operation for the entity; in response to receiving the request to perform the operation, send, via the communications module and to a digital identity network, a request for a unique key associated with the entity; receive, via the communications module and from the digital identity network, the unique key; and in response to receiving the unique key, perform the operation.

    Method and system for initiating a transfer of resources

    公开(公告)号:US11477203B2

    公开(公告)日:2022-10-18

    申请号:US16930421

    申请日:2020-07-16

    IPC分类号: H04L9/40

    摘要: A server comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to authenticate a user via a first authentication channel; receive, via the communications module and from a computing device associated with the user, a signal representing a request to transfer a first quantity of resources; determine that the first quantity of resources is less than a first threshold associated with the first authentication channel; obtain identity data associated with the request to transfer the first quantity of resources; determine, based on the identity data, that a request to transfer a second quantity of resources has been previously initiated by the user via a second authentication channel that is different than the first authentication channel; and determine that the sum of the first quantity of resources and the second quantity of resources is less than the first threshold, and in response to determining that the sum of the first quantity of resources and the second quantity of resources is less than the first threshold, initiate the transfer of the first quantity of resources.