US 12,412,210 B2
Consolidation of data sources for expedited validation of risk assessment data
Theresa Huber, Ballwin, MO (US); Dileep John, St. Louis, MO (US); Balaji Mudduluri, Chesterfield, MO (US); Muhammad Arshad, Valley Park, MO (US); Kishore Kumar Katabathuni, Chesterfield, MO (US); Saratchandra Golla, O'Fallon, MO (US); and Akshay Reddy Vontari, Irving, TX (US)
Assigned to EQUIFAX INC., Atlanta, GA (US)
Filed by EQUIFAX INC., Atlanta, GA (US)
Filed on Dec. 16, 2022, as Appl. No. 18/067,578.
Claims priority of provisional application 63/265,609, filed on Dec. 17, 2021.
Prior Publication US 2023/0196455 A1, Jun. 22, 2023
Int. Cl. G06Q 40/03 (2023.01)
CPC G06Q 40/03 (2023.01) 20 Claims
OG exemplary drawing
 
1. A method that includes one or more processing devices performing operations comprising:
providing, from a risk assessment computing system, a user interface to a first entity, the user interface comprising a plurality of user interface elements corresponding to a plurality of risk assessment indicators, the plurality of user interface elements configured to receive first risk assessment data corresponding to at least a subset of the plurality of risk assessment indicators;
receiving, via the user interface, and at the risk assessment computing system, the first risk assessment data that is associated with the first entity;
generating a digital token in response to the first entity performing an interaction via the user interface;
using the digital token to access second risk assessment data that is associated with the first entity, wherein the second risk assessment data is provided to the risk assessment computing system by a second, digitally secured entity;
consolidating, at the risk assessment computing system, the first risk assessment data and the second risk assessment data;
validating, by the risk assessment computing system and during the same validation process, the first risk assessment data and the second risk assessment data, wherein the validation process comprises:
comparing the first risk assessment data received via the user interface and the second risk assessment data received via the second, digitally secured entity based on predefined validation rules specific to a type and source of the respective data;
identifying, based on the comparison, one or more discrepancies between the first risk assessment data and the second risk assessment data; and
resolving the one or more discrepancies between the first risk assessment data and the second risk assessment data to generate a validated first risk assessment data and a validated second risk assessment data;
outputting the validated first risk assessment data and the validated second risk assessment data for display on the user interface;
transmitting, to a remote computing device, a responsive message including at least the validated first risk assessment data and the validated second risk assessment data; and
controlling access of the first entity to one or more interactive computing environments using at least the responsive message.