US 11,657,447 B1
Transaction-based verification of income and employment
Christopher Z. Lesner, Palo Alto, CA (US); and Alexander S. Ran, Palo Alto, CA (US)
Assigned to INTUIT INC., Mountain View, CA (US)
Filed by INTUIT INC., Mountain View, CA (US)
Filed on Feb. 27, 2015, as Appl. No. 14/634,436.
Int. Cl. G06Q 40/00 (2012.01)
CPC G06Q 40/00 (2013.01) 20 Claims
OG exemplary drawing
 
1. A method, comprising:
obtaining, at a verification system, a set of credentials from a user for a user account associated with the user and comprising transaction data;
accessing, by the verification system, the user account with the set of credentials to obtain the transaction data from the user account, wherein the transaction data comprises a set of transaction data strings;
obtaining, from the transaction data, a subset of transaction data strings associated with deposit transactions to the user;
generating clusters of transaction data strings based on the subset of transaction data strings, wherein each transaction data string in a first cluster of the clusters of transaction data strings is associated with a first deposit transaction source;
inferring a value of a user attribute based on the first cluster;
determining, based on transaction data strings of a second cluster of the clusters of transaction data strings and the user attribute, a correlation value related to the user attribute, wherein each transaction data string in the second cluster is associated with a second deposit transaction source, wherein the correlation value represents an amount of correlation between at least a subset of the transaction data strings of the second cluster of the clusters of transaction data strings and a user-declared value for the user attribute, and wherein the second deposit transaction source is different from the first deposit transaction source;
receiving, from the user, a value threshold associated with the user attribute;
determining that the correlation value meets the value threshold;
generating a verification based on the determining that the correlation value meets the value threshold without disclosure of personal identifying information and documents of the user; and
providing the verification to the user.