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1. (WO2018199992) MANAGING VERIFICATION REPOSITORIES TO FACILITATE REAL-TIME SERVICING OF VERIFICATION QUERIES

Pub. No.:    WO/2018/199992    International Application No.:    PCT/US2017/030196
Publication Date: Fri Nov 02 00:59:59 CET 2018 International Filing Date: Sat Apr 29 01:59:59 CEST 2017
IPC: G06F 21/30
G06F 21/60
H04L 29/06
H04L 29/08
Applicants: EQUIFAX, INC.
BLOOMQUIST, Eric
WHITTENBERG, Chad
BERTOLINO, Martin
Inventors: BLOOMQUIST, Eric
WHITTENBERG, Chad
BERTOLINO, Martin
Title: MANAGING VERIFICATION REPOSITORIES TO FACILITATE REAL-TIME SERVICING OF VERIFICATION QUERIES
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.