US 11,836,767 B1
Community-based digital transaction authentication
Thomas Wayne Schwarz, Jr., Helotes, TX (US); Snehal Desai, Richardson, TX (US); Nolan Serrao, Plano, TX (US); Jeanie Graciela Lopez, San Antonio, TX (US); Jennifer Hunt Erickson, San Antonio, TX (US); Bharat Prasad, San Antonio, TX (US); Yevgenly Viatcheslavovich Khmelev, San Antonio, TX (US); and Joel S. Hartshorn, Ollalla, WA (US)
Assigned to United Services Automobile Association (USAA), San Antonio, TX (US)
Filed by United Servies Automobile Association (USAA), San Antonio, TX (US)
Filed on Sep. 13, 2022, as Appl. No. 17/944,012.
Application 17/944,012 is a continuation of application No. 16/944,868, filed on Jul. 31, 2020, granted, now 11,475,489.
Claims priority of provisional application 62/881,186, filed on Jul. 31, 2019.
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 10/00 (2023.01); G06Q 30/0282 (2023.01); G06F 21/31 (2013.01); G01S 19/01 (2010.01); G06Q 10/0639 (2023.01); G06Q 50/12 (2012.01); G06Q 20/40 (2012.01)
CPC G06Q 30/0282 (2013.01) [G01S 19/01 (2013.01); G06F 21/31 (2013.01); G06Q 10/06393 (2013.01); G06Q 20/4015 (2020.05); G06Q 50/12 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A decentralized identity management system comprising one or more processors configured to:
receive, from an electronic device of a user, review data regarding an entity and transaction data indicative of a purchase made by the user from the entity, wherein the review data comprises a rating associated with the entity;
authenticate the user based on a first location associated with the entity, a second location associated with the user, a third location associated with the user retrieved from a distributed ledger, and the transaction data, wherein the second location is received from a location sensor disposed within the electronic device during a time period that corresponds to the review data being received;
determine a weight for the review data based on the first location and the second location;
determine a reputation score for the entity based on the weight and the rating of the review data; and
store the reputation score on the distributed ledger.