Disambiguation and authentication of device users

A computer-implemented method of identification of a user of a mobile device, the method comprising:

• under control of one or more computing devices configured with specific computer-executable instructions,
• receiving first information identifying a user of a mobile device from a service associated with the mobile device;
• querying, based on a fuzzy matching of at least a portion of the first information, a database which indexes credit header files of a plurality of users for a set of candidate users having the largest quantity of identity data values that matches user information from the credit header files;
• determining a degree of difference between the identity data values of candidate users of the set of candidate users and the first information;
• removing users from the set of candidate users based on the degree of difference;
• for each user included in the set of candidate users, generating a metric indicating a degree of relatedness between the identity data values and the user information;
• identifying candidate users having a generated metric exceeding a threshold;
• identifying an identity data type associated with different identity data values that distinguish between the candidate users;
• transmitting instructions to be received at the mobile device to request an input identity value of the identified identity data type from the user;
• receiving the input identity value in response to transmitting the instructions;
• determining that the input identity value corresponds to the identity data value of the identified identity data type for one candidate user;
• and
• determining the one candidate user qualifies for an offer for a line of credit.

A computer-implemented method of identification of a user of a mobile device, the method comprising:

• receiving first information identifying the user of a mobile device;
• identifying, using fuzzy matching, a set of candidates associated with at least a portion of the first information from a credit header database, wherein each candidate includes second information identifying the respective candidate, wherein the second information includes at least one data field included in the first information;
• determining a degree of difference between the second information of each respective candidate and the first information;
• excluding candidates from the set of candidates based on the degree of difference;
• for each candidate included in the set of candidates, determining a degree of relatedness between a value for the user for the at least one data field and a value for the candidate for the at least one data field;
• identifying a specific candidate included in the set of candidates as the user based on the degree of relatedness;
• and
• determining the identified candidate qualifies for an offer for a line of credit.

A system comprising:

• a computer-readable memory storing executable instructions;
• and
• one or more computer processors in communication with the computer-readable memory, wherein the one or more computer processors are configured to execute the executable instructions to at least:
• receive first information identifying a user of a device from the service provider, the first information based on a device identifier associated with the device;
• identify, using fuzzy matching, a set of candidates associated with at least a portion of the first information from a credit header database, wherein each candidate includes second information identifying the respective candidate and having at least one data field included in the first information;
• remove candidates from the set of candidates based on a degree of difference between the second information of each respective candidate and the first information;
• generate an individual metric for each of the candidates included in the set of candidates, wherein the individual metric indicates a degree of relatedness between the second information and the first information;
• identify a specific candidate included in the set of candidates as the user based on the associated individual metric corresponding to a threshold;
• and
• determine the identified candidate qualifies for an offer for a line of credit.