Systems and methods for generating and using a digital pass

Abstract

A system, method, and article of manufacture for generating a digital pass is disclosed. The method may comprise retrieving a plurality of identity attributes, and grouping a subset of identity attributes in the plurality of identity attributes to generate at least one digital pass. The method may further comprise grouping a subset of static identity attributes and a subset of dynamic identity attributes to generate a digital pass.

Description

CROSS REFERENCE TO RELATED APPLICATIONS[0001]This application is a continuation of, claims priority to and the benefit of, U.S. Ser. No. 13 / 193,282 filed on Jul. 28, 2011 and entitled “SYSTEMS AND METHODS FOR GENERATING AND USING A DIGITAL PASS,” which is incorporated by reference herein in its entirety.BACKGROUND[0002]1. Field of the Invention[0003]The present disclosure generally relates to a digital pass.[0004]2. Related Art[0005]Although online (or web-based) purchasing has gained popularity in recent years, certain shortcomings have hampered the growth of the web-based economy from its inception. For example, consumers are currently required to provide a variety of personal information to any merchant from which they wish to purchase a good or service. However, consumers are frequently reluctant to share personal information with unknown or vaguely known merchants. Further, consumers must trust that the merchant's website sufficiently encrypts the required personal information ...

AI Technical Summary

Benefits of technology

The patent text describes a system, method, and article of manufacture for generating digital passes. The method involves retrieving identity attributes, grouping them to create at least one digital pass, and assigning a privacy setting to some of the identity attributes. The system can link digital passes based on familial relationships or shared attributes. The method also involves transmitting an identity attribute to a second system to log the user into it, receiving item information and transaction request, and approving or denying the request based on the user's transaction account information. The system can also receive the user's location or biometric data and use it to offer the user an offer or identity attribute. The technical effects of this patent include improved security and access control for digital passes, as well as opportunities for targeted marketing and personalized offers based on the user's unique attributes.

Problems solved by technology

Although online (or web-based) purchasing has gained popularity in recent years, certain shortcomings have hampered the growth of the web-based economy from its inception.

However, consumers are frequently reluctant to share personal information with unknown or vaguely known merchants.

Thus, a consumer's risk of fraud and identity theft increases in proportion to the number of online transactions in which a consumer participates.

In addition to these problems, a great wealth of information is lost each day.

For instance, the large variety of merchant websites makes it difficult, if not impossible, to aggregate data about which products and services a consumer likes.

Although consumers might benefit from insights based upon their purchasing habits, currently these insights are isolated between merchants.

Amazon 1-click ordering is limited to Amazon customers.

Although a variety of solutions or partial solutions have been developed in response to some of the problems described above, consumers are still unable to make purchases online in a relaxed and effortless manner.

Further, many merchants are reluctant to hand over data about their customers' purchasing habits and interests to a third party (e.g., Google), as doing so may hamper their ability to target marketing and offer discounts to their loyal customers.

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