# US 12,111,911 B2 · Systems and methods for authenticating user information > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 12,111,911 B2 - Document ID: US12111911B2 - Status: Granted - Kind: B2 - Application number: 17/816,895 - Filed: 2022-08-02 - Published: 2022-11-24 - Granted: 2024-10-08 - Earliest claimed: 2019-01-04 - Assignees: Bank of Montreal - Applicants: Bank of Montreal - Inventors: Romulus Lucic - Web page: https://patentgrep.com/patent/US12111911B2 ## CPC - G06F 21/45: Structures or tools for the administration of authentication - G06F 16/951: Indexing; Web crawling techniques - G06F 16/958: Organisation or management of web site content, e.g. publishing, maintaining pages or automatic linking - H04L 63/0884: {by delegation of authentication, e.g. a proxy authenticates an entity to be authenticated on behalf of this entity vis-à-vis an authentication entity} - H04L 63/102: {Entity profiles} - G06F 40/174: Form filling; Merging - G06F 2221/2115: Third party - G06F 2221/2117: User registration - G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N) - H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M) ## Abstract Disclosed herein are efficient systems and methods for verification of user information in a timely manner. A background computer process for verification of the user information using a third-party authentication service is initiated. The third-party authentication service performs the verification of the information submitted by the user in response to some of the questions within the questionnaire at the same time as the user is replying to remaining questions within the electronic questionnaire. Accordingly, by the time the user is finished replying to all questions within the electronic questionnaire, the previously submitted information by the user is verified and a profile of the user is authenticated. ## Claims ### Claim 1 A method comprising: receiving, by a server via an electronic form displayed on an electronic device, a plurality of inputs and a request to generate a first electronic profile associated with a user; causing, by the server, a third-party authentication website to generate a second electronic profile associated with the user by: transmitting, by the server, at least one input received via the electronic form to at least one corresponding input field within the third-party authentication website; and transmitting, by the server, a first instruction to cause the third-party authentication website to generate the second electronic profile, wherein the third-party authentication website generates an authentication score for the user based on the second electronic profile; upon the authentication score satisfying a threshold value, generating, by the server, the first electronic profile; and while the electronic form is presented on the electronic device, instructing, by the server, the third-party authentication website to deactivate the second electronic profile. ### Claim 2 (depends on 1) The method of claim 1, wherein causing the third-party authentication website to generate the second electronic profile is performed via a background process not visible on the electronic device. ### Claim 3 (depends on 1) The method of claim 1, further comprising web-crawling, by the server, the third-party authentication website to identify the at least one corresponding input field. ### Claim 4 (depends on 1) The method of claim 1, further comprising scraping, by the server, the third-party authentication website to identify the at least one corresponding input field. ### Claim 5 (depends on 1) The method of claim 1, further comprising executing, by the server, a scoring algorithm to calculate the authentication score for the user based on evaluation of each attribute of the second electronic profile. ### Claim 6 (depends on 5) The method of claim 5, further comprising executing, by the server, the scoring algorithm to calculate a score for each attribute of the second electronic profile. ### Claim 7 (depends on 1) The method of claim 1, wherein the server continuously receives a new input as the user submits answers in the electronic form. ### Claim 8 (depends on 7) The method of claim 7, further comprising transmitting, by the server, the new input to the at least one corresponding input field within the third-party authentication website. ### Claim 9 (depends on 8) The method of claim 8, further comprising updating, by the server, information within the second electronic profile based on the new input. ### Claim 10 A system comprising: a server having a processor in communication with an electronic device presenting an electronic form, the server configured to: receive, via the electronic form, a plurality of inputs and a request to generate a first electronic profile associated with a user; cause a third-party authentication website to generate a second electronic profile associated with the user by: transmitting at least one input received via the electronic form to at least one corresponding input field within the third-party authentication website; and transmitting a first instruction to cause the third-party authentication website to generate the second electronic profile, wherein the third-party authentication website generates an authentication score for the user based on the second electronic profile; upon the authentication score satisfying a threshold value, generate the first electronic profile; while the electronic form is presented on the electronic device, instruct the third-party authentication website to deactivate the second electronic profile. ### Claim 11 (depends on 10) The system of claim 10, wherein causing the third-party authentication website to generate the second electronic profile is performed via a background process not visible on the electronic device. ### Claim 12 (depends on 10) The system of claim 10, wherein the server is further configured to: web-crawl the third-party authentication website to identify the at least one corresponding input field. ### Claim 13 (depends on 10) The system of claim 10, wherein the server is further configured to: scrape the third-party authentication website to identify the at least one corresponding input field. ### Claim 14 (depends on 10) The system of claim 10, wherein the server is further configured to: execute a scoring algorithm to calculate the authentication score for the user based on evaluation of each attribute of the second electronic profile. ### Claim 15 (depends on 14) The system of claim 14, wherein the server is further configured to: execute the scoring algorithm to calculate a score for each attribute of the second electronic profile. ### Claim 16 (depends on 10) The system of claim 10, wherein the server continuously receives a new input as the user submits answers in the electronic form. ### Claim 17 (depends on 16) The system of claim 16, wherein the server is further configured to: transmit the new input to the at least one corresponding input field within the third-party authentication website. ### Claim 18 (depends on 16) The system of claim 16, wherein the server is further configured to: update information within the second electronic profile based on the new input. ### Claim 19 A system comprising: a server in communication with an electronic device configured to present an electronic form, the server having a processor in communication with a non-transitory computer-readable medium having instructions that when executed cause the processor to: receive, via the electronic form, a plurality of inputs and a request to generate a first electronic profile associated with a user; cause a third-party authentication website to generate a second electronic profile associated with the user by: transmitting at least one input received via the electronic form to at least one corresponding input field within the third-party authentication website; and transmitting a first instruction to cause the third-party authentication website to generate the second electronic profile, wherein the third-party authentication website generates an authentication score for the user based on the second electronic profile; upon the authentication score satisfying a threshold value, generate the first electronic profile; while the electronic form is presented on the electronic device, instruct the third-party authentication website to deactivate the second electronic profile. ### Claim 20 (depends on 19) The system of claim 19, wherein causing the third-party authentication website to generate the second electronic profile is performed via a background process not visible on the electronic device.