# US 11,115,392 B1 · Consumer-authorized controlled distribution of trusted source data

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- Number: US 11,115,392 B1
- Document ID: US11115392B1
- Status: Granted
- Kind: B1
- Application number: 16/294,725
- Filed: 2019-03-06
- Granted: 2021-09-07
- Earliest claimed: 2018-03-07
- Assignees: Turbo Business Suite LLC
- Applicants: Turbo Business Suite LLC
- Inventors: Michael Jarman; Kenneth Jarman
- Web page: https://patentgrep.com/patent/US11115392B1

## CPC

- H04L 9/0894: {Escrow, recovery or storing of secret information, e.g. secret key escrow or cryptographic key storage}
- H04L 63/0435: {wherein the sending and receiving network entities apply symmetric encryption, i.e. same key used for encryption and decryption (cryptographic mechanisms or cryptographic arrangements for symmetric key encryption H04L9/06)}
- G06Q 40/03: Credit; Loans; Processing thereof
- H04L 9/088: {Usage controlling of secret information, e.g. techniques for restricting cryptographic keys to pre-authorized uses, different access levels, validity of crypto-period, different key- or password length, or different strong and weak cryptographic algorithms (network architectures or network communication protocols for using time-dependent keys in a packet data network H04L63/068)}
- H04L 9/3226: {using a predetermined code, e.g. password, passphrase or PIN (network architectures or network communication protocols for supporting authentication of entities using passwords in a packet data network H04L63/083)}
- H04L 63/0807: {using tickets, e.g. Kerberos (cryptographic mechanisms or cryptographic arrangements for entity authentication using tickets or tokens H04L9/3213)}
- H04L 63/10: {for controlling access to devices or network resources}
- H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M)
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR

## Abstract

Apparatus and associated methods relate to a 3rd Party Asset Verification module (3PAV module) embodied in a computer system configured to: (1) transmit a unique access code to at least one entity, the unique access code (1a) associated with a user and the user's asset information, and (1b) permits access to the user's asset information stored in the controlled access data store, and (2) in response to a request for data from a broadcasted receiver of the unique access code, the request including the unique access code, returning the user's asset information stored in the controlled access data store. In an illustrative example, the unique code may be generated upon the user providing authorization, over a network, for other parties to access the user's asset information. Various implementations may provide for secure and controlled access to the user's trusted asset data, which may increase efficiency in a consumer-dealer-lender transaction.

## Claims

### Claim 1

A computer-implemented method for controlled distribution of trusted source data, the method comprising:
receiving, over a network, an initial electronic request to access electronically-stored resource capacity data of a user stored on a controlled-access data storage device;
in response to receiving the initial electronic request to access, transmitting, over the network to an electronic device of the user, an electronic request for authorization to access the user's resource capacity data;
receiving, via the network, an electronic authorization transmitted from the electronic device of the user, that authorizes access to the user's resource capacity data;
in response to receiving the electronic authorization, generating a unique access code that provides access to the electronically-stored resource capacity data of the user;
transmitting, over the network, the unique access code to an electronic device of a first entity for transmission to a second entity;
receiving, from an electronic device of the second entity, a second electronic request to access the electronically-stored resource capacity data of the user, the second electronic request including a request code transmitted to the second entity by the first entity;
determining whether the request code matches the unique access code;
if the request code matches the unique access code, then granting access to the electronic device of the second entity to electronically read the electronically-stored resource capacity data of the user from the controlled-access data storage device; and,
if the request code does not match the unique access code, then denying access to the second entity to electronically read the electronically-stored resource capacity data of the user from the controlled-access data storage device.

### Claim 2 (depends on 1)

The computer-implemented method of claim 1, further comprising:
transmitting, to the electronic device of the user, a prompt message that prompts the user to input their resource identifying credentials.

### Claim 3 (depends on 1)

The computer-implemented method of claim 1, further comprising:
displaying, on an electronic display device, a graphical user interface (GUI) that displays at least a portion of the electronically-stored resource capacity data of the user.

### Claim 4 (depends on 1)

The computer-implemented method of claim 1, wherein the operation of transmitting, over the network to the electronic device of the user, an electronic request for authorization to access the user's resource capacity data, comprises transmitting a text message to the electronic device of the user.

### Claim 5 (depends on 1)

The computer-implemented method of claim 1, wherein the controlled-access electronic data store comprises a remote database.

### Claim 6 (depends on 1)

The computer-implemented method of claim 1, wherein the second electronic request to access the electronically-stored resource capacity data of the user comprises an application programming interface (API) call.

### Claim 7 (depends on 1)

The computer-implemented method of claim 1, wherein the initial electronic request to access electronically-stored resource capacity data of a user comprises personal identifying information associated with the user.

### Claim 8 (depends on 1)

The computer-implemented method of claim 1, further comprising:
generating an electronic report that includes at least a portion of the electronically-stored resource capacity data of the user.

### Claim 9 (depends on 8)

The computer-implemented method of claim 8, further comprising:
if the request code matches the unique access code, then transmitting the electronic report to the electronic device of the second entity.

### Claim 10

A computer-implemented method for controlled distribution of trusted source data, the method comprising:
receiving, over a network, an initial electronic request to access electronically-stored resource capacity data of a user stored on a controlled-access data storage device;
in response to receiving the initial electronic request to access, transmitting, over the network to an electronic device of the user, an electronic request for authorization to access the user's resource capacity data;
receiving, via the network, an electronic authorization transmitted from the electronic device of the user, that authorizes access to the user's resource capacity data;
in response to receiving the electronic authorization, generating a unique access code that provides access to the electronically-stored resource capacity data of the user;
transmitting, over the network, the unique access code to an electronic device of a first entity for transmission to a second entity;
receiving, from an electronic device of the second entity, a second electronic request to access the electronically-stored resource capacity data of the user, the second electronic request including a request code transmitted to the second entity by the first entity;
determining whether the request code matches the unique access code; and,
if the request code matches the unique access code, then granting access to the electronic device of the second entity to electronically read the electronically-stored resource capacity data of the user from the controlled-access data storage device.

### Claim 11 (depends on 10)

The computer-implemented method of claim 10, further comprising:
transmitting, to the electronic device of the user, a prompt message that prompts the user to input their resource identifying credentials.

### Claim 12 (depends on 10)

The computer-implemented method of claim 10, further comprising:
displaying, on an electronic display device, a graphical user interface (GUI) that displays at least a portion of the electronically-stored resource capacity data of the user.

### Claim 13 (depends on 10)

The computer-implemented method of claim 10, wherein the operation of transmitting, over the network to the electronic device of the user, an electronic request for authorization to access the user's resource capacity data, comprises transmitting a text message to the electronic device of the user.

### Claim 14 (depends on 10)

The computer-implemented method of claim 10, wherein the controlled-access electronic data store comprises a remote database.

### Claim 15 (depends on 10)

The computer-implemented method of claim 10, wherein the second electronic request to access the electronically-stored resource capacity data of the user comprises an application programming interface (API) call.

### Claim 16 (depends on 10)

The computer-implemented method of claim 10, wherein the initial electronic request to access electronically-stored resource capacity data of a user comprises personal identifying information associated with the user.

### Claim 17

A computer-implemented method for controlled distribution of trusted source data, the method comprising:
receiving, over a network, an initial electronic request to access electronically-stored resource capacity data of a user stored on a controlled-access data storage device;
in response to receiving the initial electronic request to access, transmitting, over the network to an electronic device of the user, an electronic request for authorization to access the user's resource capacity data;
receiving, via the network, an electronic authorization transmitted from the electronic device of the user, that authorizes access to the user's resource capacity data;
in response to receiving the electronic authorization, generating a unique access code that provides access to the electronically-stored resource capacity data of the user;
transmitting, over the network, the unique access code to an electronic device of a first entity for transmission to a second entity;
receiving, from an electronic device of the second entity, a second electronic request to access the electronically-stored resource capacity data of the user, the second electronic request including a request code transmitted to the second entity by the first entity;
determining whether the request code matches the unique access code; and,
if the request code matches the unique access code, then granting access to the electronic device of the second entity to electronically read the electronically-stored resource capacity data of the user from the controlled-access data storage device, wherein the network is the Internet.

### Claim 18 (depends on 17)

The computer-implemented method of claim 17, further comprising:
displaying, on an electronic display device, a graphical user interface (GUI) that displays at least a portion of the electronically-stored resource capacity data of the user.

### Claim 19 (depends on 17)

The computer-implemented method of claim 17, wherein the controlled-access electronic data store comprises a remote database.

### Claim 20 (depends on 17)

The computer-implemented method of claim 17, wherein the second electronic request to access the electronically-stored resource capacity data of the user comprises an application programming interface (API) call.
