US 12,326,921 B2
Digital identity lock
Gregory Slowiak, Chicago, IL (US); Eric Woodward, San Francisco, CA (US); Philip Lam, San Francisco, CA (US); and Jeff Shultz, Waco, TX (US)
Assigned to Early Warning Services, LLC, Scottsdale, AZ (US)
Filed by Early Warning Services, LLC, Scottsdale, AZ (US)
Filed on Nov. 2, 2023, as Appl. No. 18/500,779.
Application 18/500,779 is a continuation of application No. 17/716,516, filed on Apr. 8, 2022, granted, now 11,847,694, issued on Dec. 19, 2023.
Application 17/716,516 is a continuation of application No. 16/908,460, filed on Jun. 22, 2020, granted, now 11,328,356, issued on May 10, 2022.
Claims priority of provisional application 62/864,900, filed on Jun. 21, 2019.
Claims priority of provisional application 62/864,911, filed on Jun. 21, 2019.
Claims priority of provisional application 62/864,889, filed on Jun. 21, 2019.
Claims priority of provisional application 62/864,891, filed on Jun. 21, 2019.
Claims priority of provisional application 62/864,906, filed on Jun. 21, 2019.
Prior Publication US 2024/0143712 A1, May 2, 2024
Int. Cl. G06F 21/31 (2013.01); G06F 21/62 (2013.01); H04L 9/08 (2006.01); H04L 9/40 (2022.01); H04W 12/06 (2021.01); G06F 9/445 (2018.01); G06F 21/30 (2013.01); G06Q 40/03 (2023.01); H04L 41/147 (2022.01); H04L 67/50 (2022.01)
CPC G06F 21/31 (2013.01) [G06F 21/6263 (2013.01); H04L 9/0819 (2013.01); H04L 63/0807 (2013.01); H04L 63/0823 (2013.01); H04L 63/0884 (2013.01); H04W 12/06 (2013.01); H04W 12/068 (2021.01); G06F 9/445 (2013.01); G06F 21/305 (2013.01); G06Q 40/03 (2023.01); H04L 41/147 (2013.01); H04L 63/0815 (2013.01); H04L 63/0876 (2013.01); H04L 63/126 (2013.01); H04L 67/535 (2022.05)] 19 Claims
OG exemplary drawing
 
1. A method for controlling access to an authenticated, universal digital identity for a user, comprising:
receiving, by a user device via one or more networks, a token from an identity provider, the token indicating that a user of the user device has previously requested the identity provider to authenticate the user;
sending, by the user device via the one or more networks, an unlock request to an identity network to use a digital identity of the user of the user device to unlock the user's credit report for a relying party, wherein the unlock request comprises the token;
sending, by the user device via the one or more networks, login information of the user and an authorization request to the identity provider;
receiving, by the user device via the one or more networks, authorization from the identity provider;
submitting, by the user device via the one or more networks, a detail request for details of the unlock request to the identity network;
receiving, by the user device via the one or more networks, details of the unlock request from the identity network;
providing, by the user device via the one or more networks, consent of the user to unlock the user's credit report for the relying party;
receiving, by the user device via the one or more networks, a credit report key from the identity network, wherein the credit report key was generated by a credit reporting agency;
sending, by the user device via the one or more networks, the credit report key to the credit reporting agency; and
receiving, by the user device via the one or more networks, the user's credit report from the credit reporting agency.