Patent ID: 11907400
Assignee: CAPITAL ONE SERVICES, LLC
Field: Digital communication (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 0:
1. A system for protecting personal data while verifying user credentials, the system comprising:
a database configured to store user data for a user; and
control circuitry configured to:
receive, from a remote server, a verification request for credentials of the user and user-provided data corresponding to the verification request;
determine whether the user-provided data includes a category of required data for the verification request based on a type of the verification request, an identity of a requestor of the verification request, and a verification request purpose of the verification request;
in response to determining that the user-provided data includes the category:
verify the user-provided data in the category using the stored user data;
in response to verifying the user-provided data in the category, select a default algorithm for responding to the verification request, wherein the default algorithm is selected by the requestor;
generate an assurance level of the credentials of the user based on the default algorithm;

in response to determining that the user-provided data does not include the category:
determine whether the stored user data includes the category;
determine whether criteria associated with the stored user data in the category is approved by the user for use in responding to the verification request to protect the stored user data in response to determining that the stored user data includes the category;
generate the assurance level of the credentials of the user in response to determining that the criteria is approved by the user for use in responding to the verification request to protect the stored user data; and

transmitting the assurance level to the remote server.