Patent application EP19173108A (EP), filed 2019-05-07
Publication number: EP3567528A1
Title: METHODS AND PROCESSES FOR UTILIZING INFORMATION COLLECTED FOR ENHANCED VERIFICATION
Abstract: A system for verifying a user identity. The system comprises one or more memory devices storing instructions and one or more processors configured to execute the instructions. The processors are configured to receive information associated with an account of a user. The processors are further configured to generate a first profile, where the first profile being related to the user. The processors also receives an indication that the account is accessed by an accessor through an accessor device; and receive, from the accessor device, identity data comprising a plurality of data subsets associated with the accessor. The processors are configured to store the data subsets in respective clusters. The processors are further configured generate cluster analyses by analyzing the data subsets in respective clusters; and output the cluster analyses to node instances that weighs the cluster analyses outputs. The processors also generate a second profile, the second profile related to the accessor and being based on the received identity data and weighted cluster analysis. And the processors are configured to determine a likelihood factor that the accessor is the user based on a comparison of the first profile and the second profile.
IPC codes: G06F  21/    31            A I
G06F  21/    32            A I
G06N  20/    00            A I
G06N   3/    02            A I
H04L  29/    06            A I
H04W  12/    06            A I
Claims: number: 1
text: A system for verifying a user identify, comprising:
number: 2
text: The system of claim 1, wherein receiving identity data comprises receiving identity data collected by sensors of the accessor device, and optionally wherein receiving identity data comprises receiving:
number: 3
text: The system of claim 1, wherein the operations comprise generating rules for weighting different cluster analyses outputs and weighing different identity data from different sources.
number: 4
text: The system of claim 3, wherein:
number: 5
text: The system of claim 4, wherein the operations comprise weighting the outputted cluster analysis based on the rules, and optionally
wherein the operations comprise:
number: 6
text: The system of claim 1, wherein the source is at least one of a mobile device or a tablet device.
number: 7
text: The system of claim 1, wherein the processor is further configured to confirm that the accessor is the user if the likelihood factor is above a threshold.
number: 8
text: The system of claim 7, wherein the processor is further configured to modify the user profile with data from the accessor profile if the accessor is confirmed as the user, based on the likelihood factor.
number: 9
text: The system of claim 8, wherein the processor is further configured to alert the user of unsuccessful identity verification if the accessor is not confirmed as the user.
number: 10
text: The system of claim 9, wherein the first profile is stored in an account provider database.
number: 11
text: The system of claim 10, wherein the database comprises records of data set inputs, cluster analysis, and accessor attempts associated with the user account.
number: 12
text: The system of claim 11, wherein the processor is further configured to modify the user profile with data from the database, and optionally
wherein the processor is further configured to update the database with data from unsuccessful identify verification attempts.
number: 13
text: The system of claim 9, wherein the processor is further configured to prevent further access to the user account if the accessor is not confirmed as the user, and optionally
wherein the processor is further configured to alert the account provider of unsuccessful identity verification if the accessor is not confirmed as the user.
number: 14
text: The system of claim 1, wherein the first profile is generated by the user, or
wherein the first profile is imported from an account provider database.
number: 15
text: The system of claim 1, wherein the processor is further configured to generate a new cluster to receive new data subsets.
Office action: search_report, dated 2019-11-13
Rejection reasons: novelty_epc_54
Prior art cited: ref_id: - MICHALSKI, R. S.STEPP, R. E.: "Learning from Observation: Conceptual Clustering", 1983, MORGAN KAUFMANN
ref_type: npl
severity: background
ref_id: EP2477136A1
ref_type: patent
severity: background
ref_id: US2016094529A1
ref_type: patent
severity: background
ref_id: US2009163175A1
ref_type: patent
severity: background
ref_id: US2010293094A1
ref_type: patent
severity: background
ref_id: US2009163175
ref_type: patent
severity: background
ref_id: US2010293094
ref_type: patent
severity: background
ref_id: EP2477136
ref_type: patent
severity: novelty_destroying
ref_id: US2016094529
ref_type: patent
severity: background
Final disposition: pending (2019-11-13)