Invention Grant
- Patent Title: Managing verification repositories to facilitate real-time servicing of verification queries
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Application No.: US16607715Application Date: 2017-04-28
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Publication No.: US11431729B2Publication Date: 2022-08-30
- Inventor: Eric Bloomquist , Chad Whittenberg , Martin Bertolino
- Applicant: EQUIFAX INC. , Eric Bloomquist , Chad Whittenberg , Martin Bertolino
- Applicant Address: US GA Atlanta; US MO Richmond Heights; US MO St. Louis; US MO Chesterfield
- Assignee: EQUIFAX INC.,Eric Bloomquist,Chad Whittenberg,Martin Bertolino
- Current Assignee: EQUIFAX INC.,Eric Bloomquist,Chad Whittenberg,Martin Bertolino
- Current Assignee Address: US GA Atlanta; US MO Richmond Heights; US MO St. Louis; US MO Chesterfield
- Agency: Kilpatrick Townsend & Stockton LLP
- International Application: PCT/US2017/030196 WO 20170428
- International Announcement: WO2018/199992 WO 20181101
- Main IPC: H04L9/40
- IPC: H04L9/40 ; G06F21/62

Abstract:
In some aspects, a verification exchange system transforms consumer data (e.g., employment or income data) from different contributor computing systems to a standardized format and stores this standardized data in a consumer-status verification repository. The verification exchange system can selectively provide portions of the consumer data to authorized client system via a security portal to a public network. For example, the verification exchange system can use standardized consumer data to service verification queries requesting confirmation of employment or income level for consumers. The verification exchange system can do so by ensuring that a verifier system from which the query is received has provided a valid credential. In another example, the verification exchange system can restrict access to the standardized consumer data to accessors that are (i) an originating contributor computing system for the employment or income data or (ii) consumers described by the standardized employment or income data.
Information query