US2018144315A1PendingUtilityA1

Incremental login and authentication to user portal without username/password

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Assignee: KLARNA ABPriority: Jul 1, 2015Filed: Jan 19, 2018Published: May 24, 2018
Est. expiryJul 1, 2035(~9 yrs left)· nominal 20-yr term from priority
G06Q 40/03G06Q 20/14G06Q 30/00G06F 16/9535G06Q 20/12G06Q 40/12G06F 21/552G06F 16/24578G06F 3/04842G06F 16/93H04L 63/08G06Q 20/40G06F 17/3053G06F 17/30867G06Q 40/025G06F 17/30011
65
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Claims

Abstract

A first set of records is identified as being associated with a first asset. A second set of records is obtained, with the second set of records being associated with a second asset. A confidence score is computed based at least in part on the first set of records. As a result of the confidence score exceeding a threshold, an interface is caused to prompt a user associated with the first asset to confirm control of the second asset. In response to receiving a confirmation via the interface, a message is sent to a destination associated with the second asset. A response received is determined to indicate that the second asset is controlled by the user. The second set of records is associated additionally with the first asset. The interface is updated to display details about the first set of records and the second set of records.

Claims

exact text as granted — not AI-modified
What is claimed is: 
     
         1 . A computer-implemented method, comprising:
 identifying that a first set of records is associated with a first asset;   obtaining a second set of records, the second set of records being associated with a second asset different from the first asset;   computing, based at least in part on the first set of records and the second set of records, a confidence score that indicates a likelihood that the second set of records and the first set of records are associated with a same user;   causing, as a result of the confidence score exceeding a threshold, an interface to prompt a user associated with the first asset to confirm control of the second asset;   sending, in response to receiving a confirmation via the interface, a message to a destination associated with the second asset;   determining that a response received indicates that the second asset is controlled by the user associated with the first asset;   associating the second set of records additionally with the first asset; and   updating the interface to display details about the first set of records and the second set of records.   
     
     
         2 . The computer-implemented method of  claim 1 , wherein sending the message to the destination includes transmitting the message via an address associated with the second asset. 
     
     
         3 . The computer-implemented method of  claim 1 , wherein the second asset is one of a computing device or an account. 
     
     
         4 . The computer-implemented method of  claim 1 , wherein the confidence score is based at least in part on output received in response to providing, as input to a plurality of decision trees, details associated with the first set of records and the second set of records. 
     
     
         5 . The computer-implemented method of  claim 4 , wherein:
 the plurality of decision trees comprise a random forest; and   the output is a result of votes by the plurality of decision trees of the random forest.   
     
     
         6 . The computer-implemented method of  claim 5 , further comprising, as a result of determining that the response received indicates that the second asset is controlled by the user, storing the second set of records with a set of historical records usable to train the random forest. 
     
     
         7 . A system, comprising:
 one or more processors; and   memory including executable instructions that, if executed by the one or more processors, cause the system to:
 identify that a first set of records is associated with a first asset; 
 obtain a second set of records, the second set of records being associated with a second asset different from the first asset; 
 compute, based at least in part on the first set of records and the second set of records, a confidence score that indicates a likelihood that the second set of records is associated with a same user as the first set of records; 
 as a result of the confidence score exceeding a threshold, cause an interface to prompt a user associated with the first asset to confirm control of the second asset; 
 send, in response to receiving a confirmation via the interface, a message to a destination associated with the second asset; and 
 as a result of a determination that a response received indicates that the second asset is controlled by the user:
 associate the second set of records additionally with the first asset; and 
 update the interface to display details about the first set of records and the second set of records. 
 
   
     
     
         8 . The system of  claim 7 , wherein the executable instructions that update the interface cause the system to display details about the first set of records simultaneous with details about the second set of records. 
     
     
         9 . The system of  claim 7 , wherein the executable instructions that associate the second set of records additionally with the first asset include updating a database containing the second set of records to indicate that the second set of records is associated with the first asset in addition to the second asset. 
     
     
         10 . The system of  claim 7 , wherein:
 the message includes a confirmation code; and   the executable instructions that includes instructions that cause the system to make the determination that the response received indicates that the second asset is controlled by the user based at least in part on the response including a match to the confirmation code.   
     
     
         11 . The system of  claim 7 , wherein:
 the first set of records indicates that the first asset is associated with both a first user and a second user; and   the executable instructions further include instructions that cause the system to cause an interface to prompt the user to provide information usable to determine which of the first user or the second user is the user.   
     
     
         12 . The system of  claim 7 , wherein the executable instructions further cause the system to, as a result of the response received failing to indicate that the second asset is controlled by the user, disassociate the second set of records from the first set of records. 
     
     
         13 . The system of  claim 7 , wherein the executable instructions that cause the system to compute the confidence score include instructions that cause the system to compute the confidence score as a result of passing details of the first set of records and the second set of records as input to a random forest having a ground truth value corresponding to a user identity. 
     
     
         14 . The system of  claim 13 , wherein the executable instructions further cause the system to retrain the random forest from a set of historical records that includes the first set of records. 
     
     
         15 . The system of  claim 14 , wherein the executable instructions that cause the system to retrain the random forest further cause the system to, as a result of the response received failing to indicate that the second asset is controlled by the user, retrain the random forest from the set of historical records disregarding the second set of records. 
     
     
         16 . A non-transitory computer-readable storage medium having stored thereon executable instructions that, if executed by one or more processors of a computer system, cause the computer system to at least:
 identify that a first set of records is associated with a first asset;   obtain a second set of records, the second set of records being associated with a second asset different from the first asset;   compute, based at least in part on the first set of records, a confidence score that indicates a likelihood that the second set of records is associated with the first set of records;   as a result of the confidence score exceeding a threshold, cause an interface to prompt a user associated with the first asset to confirm control of the second asset;   send, in response to receiving a confirmation via the interface, a message to a destination associated with the second asset;   determine that a response received indicates that the second asset is controlled by the user;   associate the second set of records additionally with the first asset; and   update the interface to display details about the first set of records and the second set of records.   
     
     
         17 . The non-transitory computer-readable storage medium of  claim 16 , wherein the second asset is associated with an address indicating the destination to which communications can be transmitted. 
     
     
         18 . The non-transitory computer-readable storage medium of  claim 17 , wherein:
 the executable instructions that send the message to the destination include instructions that cause the computer system to transmit the message to the destination via the address; and   the executable instructions that cause the computer system to determine that the response indicates that the second asset is controlled by the user includes instructions that cause the computer system to determine that the response indicates the message was received at the destination.   
     
     
         19 . The non-transitory computer-readable storage medium of  claim 16 , wherein the second set of records was recorded prior to the first set of records. 
     
     
         20 . The non-transitory computer-readable storage medium of  claim 16 , wherein the executable instructions further cause the computer system to associate the first set of records additionally with the second asset.

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