# How Online Systems Verify Your Identity Using External Data

> A system for verifying user identity and payment details in an online environment by pulling data from external sources and generating virtual payment tokens.

- **Patent:** US 10212148
- **Original title:** Systems and methods for verifying attributes of users of online systems
- **Owner:** Mbr Innovations LLC
- **Granted:** 2019
- **Status:** Active
- **Times cited:** 1
- **Field:** ecommerce, finance, software, telecommunications

## What it does

The patent describes a process for verifying user attributes, such as credit card details, within an online environment. When a user registers, they provide encrypted attribute data (like a name and credit card number) from their computer to a central server. The server then forwards this encrypted data to an external verification source, which confirms the information automatically without human intervention. Once verified, the server sends a 'virtual payment' token back to the user's device, which the user can then transmit to a merchant via a wireless signal to complete a transaction.

## What it does NOT cover

- Does not cover verification methods that require human intervention or manual review.
- Does not cover systems where the verification source is the user themselves or the user's own computer.
- Does not cover non-encrypted transmission of credit card or name attribute values.
- Does not cover transactions that do not involve the generation of virtual payment information.

## The clever bit

The system offloads the trust burden by using external sources to verify data in an automated, encrypted loop, then replaces sensitive raw data with a 'virtual payment' token before the merchant ever sees it.

## Real-world examples

1. Digital wallet services like Apple Pay or Google Pay
2. Third-party identity verification services for e-commerce
3. Tokenized payment gateways used in mobile apps

## Why it matters

This patent addresses the challenge of securely verifying user credentials in digital marketplaces without exposing raw financial data to merchants. By acting as a middleman that validates data against external sources and issues tokens, it aims to reduce fraud and improve privacy in online transactions.

## Frequently asked questions

### What does How Online Systems Verify Your Identity Using External Data cover?

A system for verifying user identity and payment details in an online environment by pulling data from external sources and generating virtual payment tokens.

### Who owns patent US 10212148?

Mbr Innovations LLC owns this patent, granted in 2019.

### When does this patent expire?

This patent is expected to expire on February 19, 2039, when the invention enters the public domain.

### What is patent US 10212148 cited by?

This patent has been cited by 1 later patents that build on its ideas.

### What problem does this patent solve?

This patent addresses the challenge of securely verifying user credentials in digital marketplaces without exposing raw financial data to merchants. By acting as a middleman that validates data against external sources and issues tokens, it aims to reduce fraud and improve privacy in online transactions.

### What does this patent NOT cover?

Does not cover verification methods that require human intervention or manual review.

**Full plain-English explainer:** https://patentbrief.org/patent/us/10212148/touch-id

**Original patent:** https://patents.google.com/patent/US10212148

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_Source: PatentBrief — https://patentbrief.org. Patent facts are from public records; the plain-English explanation is PatentBrief's._