US 12,395,564 B2
Systems and methods for real-time identity proofing with verification
Dipti Ahuja, Basking Ridge, NJ (US); Victor Zhang, Plano, TX (US); and Vinay Neeli, Irving, TX (US)
Assigned to JPMORGAN CHASE BANK, N.A., New York, NY (US)
Filed by JPMORGAN CHASE BANK, N.A., New York, NY (US)
Filed on Sep. 15, 2023, as Appl. No. 18/468,216.
Prior Publication US 2025/0097309 A1, Mar. 20, 2025
Int. Cl. H04L 67/306 (2022.01); H04L 9/40 (2022.01)
CPC H04L 67/306 (2013.01) [H04L 63/0838 (2013.01); H04L 63/0861 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method comprising:
receiving, at a change request service, a request to update contact information data, wherein the request to update the contact information data is associated with a stored customer profile;
sending, by the change request service, the contact information data and a customer identifier to a verification service provider;
receiving, at the change request service, from the verification service provider, and in response to the contact information data, a raw ownership score;
normalizing, by the change request service, the raw ownership score, wherein normalizing the raw ownership score generates a normalized ownership score;
sending, by the change request service, the contact information data, the customer identifier, and the normalized ownership score to a risk engine;
receiving, by the change request service and as output from the risk engine, a confidence score;
providing, by the change request service, the confidence score, the normalized ownership score, and historical data associated with the stored customer profile, to a consolidation function;
receiving, by the change request service and from the consolidation function, a consolidated trust score; and
updating, by the change request service and based on the consolidated trust score, a datastore record associated with a customer represented by the customer identifier with the contact information data.