Workflow processing and user interface generation based on activity data

Abstract

A system obtains a first set of data associated with interactions by a user conducting a transaction using an interface of a computing device, a second set of data associated with a previous transaction, and a third set of data associated with verification of a user identity. The system generates a first score based at least in part on the first, second, and the third sets of data. If the first score does not cross a threshold, the system updates the interface based at least in part on the first score. However, if the first score crosses the threshold, the system obtains, from an external entity, a fourth set of data associated with the user, generates a second score based at least in part on the fourth set of data, and updates the interface based at least in part on the second score.

1 . A computer-implemented method, comprising:
 under the control of one or more computer systems that execute instructions,
 providing second executable instructions to a first computing device associated with a user that, as a result of being executed by the first computing device, causes the first computing device to:
 collect a set of client data that includes:
 personally identifiable information about the user; 
 an identifier associated with the first computing device; and 
 a set of measurements associated with interactions between the user and a user interface of the first computing device, individual measurements of the set of measurements including: 
  an action performed by the user to an object in the user interface; 
  an identity of the object; and 
  a time value indicating a time at which the action was performed on the object; and 
 
 provide the set of client data to the one or more computer systems; 
 
 obtaining a set of internal data associated with one or more previous transactions involving the user; 
 obtaining a set of verification data verifying that the personally identifiable information is accurate; 
 transforming the set of client data, the set of internal data, and the set of verification data into one or more variables; 
 generating a fidelity score based at least in part on the one or more variables; and 
 updating the user interface based at least in part on the fidelity score. 
   
     
     
         2 . The computer-implemented method of  claim 1 , the method further comprising:
 providing the second executable instructions to a third computing device associated with a second user that, as a result of being executed by the third computing device, causes the third computing device to collect a second set of client data associated with the second user;   obtaining a second set of internal data associated with the second user, the second set of internal data associated with one or more previous transactions involving the second user;   obtaining a second set of verification data associated with the user, the second set of verification data including identification verifying that second personally identifiable information in the second set of client data is accurate;   transforming the second set of client data, the second set of internal data, and the second set of verification data into one or more second variables;   generating a second fidelity score based at least in part on the one or more second variables, the second fidelity score indicating a risk of default on the transaction by the second user;   based at least in part on a comparison of the second fidelity score against a threshold, determining to submit a request, to the second computing device, for additional information associated with the second user;   receiving the additional information from the second computing device in response to the request;   updating the second fidelity score based at least in part on the additional information to yield an updated second fidelity score; and   updating a second user interface based at least in part on the updated second fidelity score.   
     
     
         3 . The computer-implemented method of  claim 1 , further comprising generating a statistical certainty value indicating a variance of the fidelity score, and updating the user interface is further based at least in part on the statistical certainty value. 
     
     
         4 . The computer-implemented method of  claim 1 , wherein the user interface is updated based at least in part on the fidelity score to provide one or more payment or credit options for the transaction. 
     
     
         5 . A system, comprising:
 one or more processors; and   memory including instructions that, as a result of being executed by the one or more processors, cause the system to:
 obtain a set of client data, including:
 personally identifiable information of a user; 
 an identifier associated with a computing device associated with the user; and 
 one or more measurements associated with interactions by the user with an interface, each of the one or more measurements including:
 an action performed by the user to an object in the interface; 
 an identity of the object; and 
 a time value indicating a time at which the action was performed on the object; 
 
 
 obtain a set of internal data associated with the user; 
 obtain a set of verification data associated with the user; 
 generate a score based at least in part on the set of client data, the set of internal data, and the set of verification data; 
 determine, based at least in part the score, whether to:
 request, from a third party entity, additional information associated with the user; and 
 update the score based at least in part the additional information; and 
 
 update the interface based at least in part on the score. 
   
     
     
         6 . The system of  claim 5 , wherein the set of client data further includes one or more of:
 a type and version of web browser being used by the user, or   a type of operating system installed on a computing device being used by the user.   
     
     
         7 . The system of  claim 5 , wherein the one or more measurements are obtained from one or more of:
 a user input device,   a gyroscope,   an image sensor,   accelerometer,   global positioning receiver, or   microphone.   
     
     
         8 . The system of  claim 5 , wherein set of internal data includes one or more of:
 whether the user has made a payment on a previous transaction,   a payment type of the previous transaction,   an amount owed from the previous transaction, or   an amount paid on the previous transaction.   
     
     
         9 . The system of  claim 10 , wherein the set of verification data includes one or more of:
 confirmation that a name of the user is associated with a geographical location provided by the user,   confirmation that the name of the user is associated with an email address provided by the user, or   confirmation that the name of the user is associated with a date of birth provided by the user.   
     
     
         10 . The system of  claim 5 , wherein the set of verification data provides verification that at least a subset of the personally identifiable information of the user is accurate. 
     
     
         11 . The system of  claim 5 , wherein the additional information includes one or more of:
 a credit score of the user,   credit history of the user, or   public records associated with the user.   
     
     
         12 . The system of  claim 5 , wherein the set of verification data is obtained from an entity external to the system. 
     
     
         13 . A non-transitory computer-readable storage medium having stored thereon executable instructions that, as a result of being executed by one or more processors of a computer system, cause the computer system to at least:
 obtain a first set of data associated with interactions by a user conducting a current transaction using an interface of a computing device associated with the user, the first set of data indicating:
 an identifier associated with the computing device; 
 an action performed by the user to an object in the interface; 
 an identity of the object; and 
 a time value indicating a time at which the action was performed on the object; 
   obtain a second set of data associated with a previous transaction conducted by the user;   obtain a third set of data associated with verification of an identity of the user;   generate a first score based at least in part on the first set of data, the second set of data, and the third set of data;   on a condition that the first score does not reach a value relative to a threshold, update the interface based at least in part on the first score; and   on a condition that the first score reaches a value relative to the threshold:
 obtain, from an external entity, a fourth set of data associated with the user; 
 generate a second score based at least in part on the fourth set of data; and 
 update the interface based at least in part on the second score. 
   
     
     
         14 . The non-transitory computer-readable storage medium of  claim 13 , wherein the executable instructions that cause the computer system to update the interface based at least in part on the first score or the second score further include executable instructions that cause the computer system to:
 determine a subset of options for payment or credit, based at least in part on the first score or second score, from a set of options for payment or credit; and   update the interface to present the subset of options to the user.   
     
     
         15 . The non-transitory computer-readable storage medium of  claim 13 , wherein the executable instructions that cause the computer system to update the interface based at least in part on the first score or the second score further include executable instructions that cause the computer system to:
 determine one or more product or service offerings based at least in part on the first score or second score; and   update the interface to present one or more product or service offerings to the user.   
     
     
         16 . The non-transitory computer-readable storage medium of  claim 13 , wherein the first set of data includes one or more of:
 a geographic address of the user,   a telephone number of the user, or   an email address of the user.   
     
     
         17 . The non-transitory computer-readable storage medium of  claim 13 , wherein:
 the first set of data is obtained by the computer system by execution of code embedded in a web page of a merchant;   the computer system is a computer system of a payment service provider different from the merchant; and   the code, as a result of being executed, causes the first set of data to be transmitted to the computer system.   
     
     
         18 . The non-transitory computer-readable storage medium of  claim 13 , wherein:
 the interface is a web page hosted by a first entity;   the computer system is a computer system of a second entity different from the user and the first entity; and   the executable instructions that cause the computer system to update the interface include executable instructions that cause the computer system to provide at least a portion of the web page of the first entity for display on the computing device of the user.   
     
     
         19 . The non-transitory computer-readable storage medium of  claim 13 , wherein the instructions further include instructions that cause the computer system to generate a variance for the first score. 
     
     
         20 . The non-transitory computer-readable storage medium of  claim 19 , wherein the executable instructions that cause the computer system to obtain the fourth set of data, generate the second score, and update the interface based at least in part the second score are further executed if the first score combined with the variance crosses the threshold.