US 12,353,584 B2
Real-time servicing of verification queries using hybrid data sources
Juan Martin Bertolino, Chesterfield, MO (US); and Sankar Rao Penumacha, Ballwin, MO (US)
Assigned to EQUIFAX INC., Atlanta, GA (US)
Filed by EQUIFAX INC., Atlanta, GA (US)
Filed on Oct. 18, 2022, as Appl. No. 18/047,615.
Prior Publication US 2024/0126912 A1, Apr. 18, 2024
Int. Cl. G06F 21/62 (2013.01); H04L 9/40 (2022.01)
CPC G06F 21/6227 (2013.01) [H04L 63/102 (2013.01); H04L 63/126 (2013.01)] 17 Claims
OG exemplary drawing
 
1. A method that includes one or more processing devices performing operations comprising:
receiving, by a verification computing system from a verifier computing system, a verification query requesting verification of characteristics of an entity involved in an online interaction, wherein the entity is a user or organization, and the verification query comprises a unique identifier of the entity;
querying a verification repository internal to the verification computing system based on the unique identifier of the entity;
querying an external-source cache using the unique identifier of the entity, wherein the external-source cache comprises an encrypted unique identifier of each sensitive data record available at an external source and wherein querying the external-source cache using the unique identifier of the entity comprises:
generating an encrypted query identifier for the unique identifier of the entity; and
searching the external-source cache for a match of the encrypted query identifier;
in response to determining that there is a match for the unique identifier of the entity in the external-source cache, requesting external sensitive data records for the entity from the external source corresponding to the external-source cache;
consolidating the external sensitive data records and internal sensitive data records obtained through querying the verification repository to generate consolidated sensitive data records corresponding to the entity; and
transmitting a verification result generated based on the consolidated sensitive data records to the verifier computing system.