US 12,335,274 B2
Managing verification repositories to facilitate real-time servicing of verification queries
Eric Bloomquist, St. Louis, MO (US); Chad Whittenberg, St. Louis, MO (US); and Martin Bertolino, Chesterfield, MO (US)
Assigned to Equifax Inc., Atlanta, GA (US)
Filed by EQUIFAX INC., Atlanta, GA (US)
Filed on Jul. 19, 2022, as Appl. No. 17/813,408.
Application 17/813,408 is a continuation of application No. 16/607,715, granted, now 11,431,729, previously published as PCT/US2017/030196, filed on Apr. 28, 2017.
Prior Publication US 2022/0353274 A1, Nov. 3, 2022
This patent is subject to a terminal disclaimer.
Int. Cl. H04L 9/40 (2022.01); G06F 21/62 (2013.01)
CPC H04L 63/126 (2013.01) [G06F 21/6245 (2013.01); H04L 63/083 (2013.01); H04L 63/102 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A verification exchange computing system comprising:
in a secured part of the verification exchange computing system:
a verification exchange server system configured for generating and executing transformation code, the transformation code comprising a plurality of sections and including at least one operation to convert employment or income data from contributor computing systems to a standardized format,
wherein generating the transformation code includes:
accessing a contributor-specific mapping between a set of contributor fields of the employment or income data and a standardized field having the standardized format, the contributor-specific mapping identifying a data structure relationship between a set of data values received from a particular contributor computing system and standardized data in the standardized field,
determining, based on the data structure relationship, a combination function to combine the set of data values into the standardized field, and
generating a contributor-specific section of the transformation code that implements the combination function on the set of data values received from the particular contributor computing system,
wherein executing the transformation code includes combining the set of contributor fields into a target field having the standardized format by computing a new data value from the set of data values;
a consumer-status verification repository to store standardized employment or income data having the standardized format; and
an access authorization database to store contributor identifiers and authorization credentials usable by the verification exchange server system to verify an accessor prior to providing the employment or income data from the consumer-status verification repository to the accessor,
wherein the verification exchange server system in the secured part of the verification exchange computing system is configured for:
matching a credential in a verification query to an authorized credential from the access authorization database, the verification query requesting confirmation of an employment or income level for at least one consumer associated with the standardized employment or income data, wherein matching the credential restricts access to the employment or income level to accessors that are a requesting verifier computing system having the credential that matches the authorized credential,
restricting access to the standardized employment or income 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, and
in response to matching the credential in the verification query to the authorized credential, providing the confirmation of employment or income level to a verifier external-facing device configured for transmitting a verification response to the requesting verifier computing system, and
in an unsecured part of the verification exchange computing system:
a contributor external-facing device configured for communicating with the verification exchange server system through a security portal and for communicating with the contributor computing systems via a public data network; and
the verifier external-facing device.