# US 11,443,316 B2 · Providing identification information to mobile commerce applications

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- Number: US 11,443,316 B2
- Document ID: US11443316B2
- Status: Granted
- Kind: B2
- Application number: 16/146,256
- Filed: 2018-09-28
- Published: 2019-01-31
- Granted: 2022-09-13
- Earliest claimed: 2013-10-14
- Assignees: Equifax Inc.
- Applicants: Equifax Inc.
- Inventors: John Burrell; Sekhar Dochibhotla; Anand Krishnaswamy; Robert Clark Fuller; Todd Duncan Hoover
- Web page: https://patentgrep.com/patent/US11443316B2

## CPC

- G06Q 20/4016: {involving fraud or risk level assessment in transaction processing}
- G06Q 20/0855: {involving a third party}
- G06Q 20/12: specially adapted for electronic shopping systems
- G06Q 20/3227: {using secure elements embedded in M-devices}
- G06Q 20/363: {with the personal data of a user}
- G06Q 20/3821: {Electronic credentials}
- G06Q 20/4014: {Identity check for transactions}
- G06Q 20/407: {Cancellation of a transaction}
- G06Q 30/0267: {Wireless devices}
- G06Q 30/0631: {Recommending goods or services}
- H04L 63/0853: {using an additional device, e.g. smartcard, SIM or a different communication terminal (cryptographic mechanisms or cryptographic arrangements for entity authentication involving additional secure or trusted devices H04L9/3234)}
- 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
- H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M)

## Abstract

Aspects and examples are disclosed for facilitating mobile commerce. In one example, a processing device receives a data network identifier or other identifier from a commerce application. The data network identifier or other identifier can be associated with a mobile device conducting a transaction with the commerce application. The processing device can also obtain a credential associated with the mobile device using the data network identifier. The processing device can additionally retrieve identification information from a credit file associated with the credential. The identification information can be useable for completing the transaction. The processing device can further transmit the identification information to a computing device executing the commerce application.

## Claims

### Claim 1

A system comprising:
an electronic commerce computing system configured for performing an electronic transaction involving communications with a mobile device;
a commerce facilitation server communicatively coupled to the electronic commerce computing system via a data network, wherein the commerce facilitation server is configured for:
establishing a first network connection between the commerce facilitation server and the electronic commerce computing system during the electronic transaction between with the electronic commerce computing system and the mobile device;
receiving a network identifier from the electronic commerce computing system via the first network connection, wherein the network identifier comprises one or more of an IP address of the mobile device or SIM card information of the mobile device;
obtaining a credential associated with the mobile device from a telecommunication computing system, the credential identifying an individual that is associated with a telecommunications account of the mobile device;
comparing the credential to first credit account data in a first data source coupled to the commerce facilitation server, the first credit account data associated with personal information of the individual;
selecting, based on determining that the credential obtained from the telecommunication computing system corresponds to an additional credential included in the first credit account data and based on a credit card number being required for completing the electronic transaction, the credit card number from second credit account data in a second data source coupled to the commerce facilitation server, wherein the first credit account data is linked to the second credit account data, wherein the first credit account data comprises one or more of a name of a consumer and a social security number associated with the consumer, wherein the second credit account data comprises a credit file for the consumer, and wherein the first credit account data is linked to the second credit account data via at least matching the one or more of the name and the social security number to the credit file; and
transmitting the credit card number to the electronic commerce computing system prior to a completion of the electronic transaction between the electronic commerce computing system and the mobile device; and
the telecommunication computing system communicatively coupled to the commerce facilitation server via the data network, the telecommunication computing system configured for:
authenticating the commerce facilitation server,
matching the network identifier to the credential, and
transmitting the credential to the commerce facilitation server based on authenticating the commerce facilitation server and matching the network identifier to the credential,
wherein the electronic commerce computing system is further configured for (i) updating a graphical interface to present at least a portion of the credit card number during the electronic transaction and (ii) providing, to the mobile device and during the electronic transaction, the graphical interface with the credit card number.

### Claim 2 (depends on 1)

The system of claim 1, wherein the commerce facilitation server is further configured for:
storing the first credit account data at the first data source and the second credit account data at the second data source; and
linking the first credit account data in the first data source to the second credit account data in the second data source via a referential keying system.

### Claim 3 (depends on 1)

The system of claim 1, wherein the commerce facilitation server is further configured for performing, prior to receiving the network identifier from the electronic commerce computing system:
receiving a credit verification request for the individual, wherein the credit verification request includes at least some of the first credit account data or the second credit account data;
performing, based on a credit file stored in one or more of the first data source or the second data source, a credit verification operation in response to receiving the credit verification request; and
updating one or more of the first data source or the credit file with the at least some of the first credit account data or the second credit account data.

### Claim 4 (depends on 1)

The system of claim 1, wherein the commerce facilitation server is further configured for:
responsive to determining that the electronic transaction between the commerce facilitation server and the mobile device is not indicative of fraudulent activity associated with the individual, determining an eligibility of the individual for a product or service.

### Claim 5 (depends on 1)

The system of claim 1, wherein the commerce facilitation server is further configured for:
responsive to determining that an additional electronic transaction between the commerce facilitation server and the mobile device is indicative of fraudulent activity, transmitting a warning to the electronic commerce computing system to terminate the additional electronic transaction.

### Claim 6 (depends on 1)

The system of claim 1, wherein the commerce facilitation server is further configured for encrypting the credit card number prior to transmitting the credit card number to the electronic commerce computing system, wherein the credit card number, as encrypted, is transmitted via the first network connection.

### Claim 7 (depends on 1)

The system of claim 1, wherein the network identifier further comprises a phone number of the mobile device.

### Claim 8 (depends on 1)

The system of claim 1, wherein the electronic commerce computing system is further configured for:
presenting the graphical interface to the mobile device prior to transmitting the network identifier to the commerce facilitation server;
receiving, via the graphical interface, a request from the mobile device that requires, for completion, identification data specific to a user of the mobile device, the identification data including the credit card number;
querying the commerce facilitation server for the identification data; and
receiving the identification data, with the credit card number, from the commerce facilitation server, wherein updating the graphical interface to present at least the portion of the credit card number during the electronic transaction comprises populating the graphical interface with the identification data.

### Claim 9 (depends on 8)

The system of claim 8, wherein the electronic commerce computing system is configured for populating the graphical interface with the identification data without receiving the identification data from the mobile device.

### Claim 10

A non-transitory computer-readable medium storing instructions that are executable by processing devices of a system comprising an electronic commerce computing system, a commerce facilitation server, and a telecommunication computing system, wherein the instructions, when executed by the processing devices, cause the processing devices to perform operations comprising:
performing, by the electronic commerce computing system, an electronic transaction involving communications with a mobile device;
performing, by the commerce facilitation server:
establishing a first network connection between the commerce facilitation server and the electronic commerce computing system during the electronic transaction between with the electronic commerce computing system and the mobile device;
receiving a network identifier from the electronic commerce computing system via the first network connection, wherein the network identifier comprises one or more of an IP address of the mobile device or SIM card information of the mobile device;
obtaining a credential associated with the mobile device from the telecommunication computing system, the credential identifying an individual that is associated with a telecommunications account of the mobile device;
comparing the credential to first credit account data in a first data source coupled to the commerce facilitation server, the first credit account data associated with personal information of the individual;
selecting, based on determining that the credential obtained from the telecommunication computing system corresponds to an additional credential included in the first credit account data and based on a credit card number being required for completing the electronic transaction, the credit card number from second credit account data in a second data source coupled to the commerce facilitation server, wherein the first credit account data is linked to the second credit account data, wherein the first credit account data comprises one or more of a name of a consumer and a social security number associated with the consumer, wherein the second credit account data comprises a credit file for the consumer, and wherein the first credit account data is linked to the second credit account data via at least matching the one or more of the name and the social security number to the credit file; and
transmitting the credit card number to the electronic commerce computing system prior to a completion of the electronic transaction between the electronic commerce computing system and the mobile device;
performing, by the telecommunication computing system:
authenticating the commerce facilitation server,
matching the network identifier to the credential, and
transmitting the credential to the commerce facilitation server based on authenticating the commerce facilitation server and matching the network identifier to the credential; and
performing, by the electronic commerce computing system:
updating a graphical interface to present the credit card number during the electronic transaction, and
providing, to the mobile device and during the electronic transaction, the graphical interface with at least a portion of the credit card number.

### Claim 11 (depends on 10)

The non-transitory computer-readable medium of claim 10, wherein the operations further comprise the commerce facilitation server:
storing the first credit account data at the first data source and the second credit account data at the second data source; and
linking the first credit account data in the first data source to the second credit account data in the second data source via a referential keying system.

### Claim 12 (depends on 10)

The non-transitory computer-readable medium of claim 10, wherein the operations further comprise the commerce facilitation server, prior to receiving the network identifier from the electronic commerce computing system:
receiving a credit verification request for the individual, wherein the credit verification request includes at least some of the first credit account data or the second credit account data;
performing, based on a credit file stored in one or more of the first data source or the second data source, a credit verification operation in response to receiving the credit verification request; and
updating one or more of the first data source or the credit file with the at least some of the first credit account data or the second credit account data.

### Claim 13 (depends on 10)

The non-transitory computer-readable medium of claim 10, wherein the operations further comprise the commerce facilitation server determining, responsive to whether the electronic transaction between the commerce facilitation server and the mobile device is not indicative of fraudulent activity associated with the individual, determining an eligibility of the individual for a product or service.

### Claim 14 (depends on 10)

The non-transitory computer-readable medium of claim 10, wherein the operations further comprise the commerce facilitation server:
responsive to determining that an additional electronic transaction between the commerce facilitation server and the mobile device is indicative of fraudulent activity, transmitting a warning to the electronic commerce computing system to terminate the additional electronic transaction.

### Claim 15 (depends on 10)

The non-transitory computer-readable medium of claim 10, wherein the operations further comprise the commerce facilitation server encrypting the credit card number prior to transmitting the credit card number to the electronic commerce computing system, wherein the credit card number, as encrypted, is transmitted via the first network connection.

### Claim 16 (depends on 10)

The non-transitory computer-readable medium of claim 10, wherein the network identifier further comprises a phone number of the mobile device.

### Claim 17 (depends on 10)

The non-transitory computer-readable medium of claim 10, wherein the operations further comprise the electronic commerce computing system:
presenting the graphical interface to the mobile device prior to transmitting the network identifier to the commerce facilitation server;
receiving, via the graphical interface, a request from the mobile device that requires, for completion, identification data specific to a user of the mobile device, the identification data including the credit card number;
querying the commerce facilitation server for the identification data; and
receiving the identification data, with the credit card number, from the commerce facilitation server, wherein updating the graphical interface to present at least the portion of the credit card number during the electronic transaction comprises populating the graphical interface with the identification data.

### Claim 18 (depends on 17)

The non-transitory computer-readable medium of claim 17, wherein the electronic commerce computing system populates the graphical interface with the identification data without receiving the identification data from the mobile device.