Gated Offer Eligibility Verification Using Hashed Credential Comparison
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Solution Overview
Problem
Current systems for verifying consumer eligibility for gated offers face issues such as reduced control for data providers over data usage, increased exposure of personal data, and difficulty in tracing data breaches when data is hosted by merchants or verification services.
Innovation Solution
A verification platform that hashes consumer credentials and compares them against a hashed dataset from a verification source using a shared seed hash, reducing data exposure and enabling traceability of licensed data.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Productivity
If the merchant or verification service hosts the licensed data from data providers, then search and lookup performance is improved, but data exposure risk increases and data provider control is reduced
Solution Approach 1:
The patent extracts only the essential verification capability from the hosted data by using hashed versions of credentials. Instead of hosting or transmitting actual personal data, the system extracts and compares hash values, which cannot be reverse-engineered to reveal original credentials. This maintains verification functionality while eliminating data exposure risk.
Solution Approach 2:
The patent introduces hashing as an intermediary transformation layer between the credential data and the verification process. By converting credentials into hashed representations before storage and comparison, the system creates a protective barrier that prevents direct access to original data while enabling verification through the intermediary hash comparison mechanism.
2Ease of operation
If the merchant or verification service hosts the licensed data, then data access convenience is improved, but traceability of data breaches is lost
Solution Approach 1:
The patent changes the parameter of data representation from plain text credentials to hashed values. This parameter transformation maintains the ability to perform verification operations while adding the capability to trace breaches through hash analysis. The changed parameter form enables both convenience and traceability simultaneously.
3Measurement precision
If actual credential data is stored and transmitted for verification, then verification accuracy is improved, but security and privacy are compromised
Solution Approach 1:
The patent creates and uses copies of credential data in the form of hash values instead of the original credentials. These hash copies contain sufficient information for accurate verification comparison while being inherently secure and cannot be used to reconstruct the original sensitive data. The copy serves the verification function without compromising security.
Data Source
AI summary
Systems and methods for automatically determining consumer eligibility for a gated offer while reducing data exposure, are herein disclosed. In one example, a method for automatically determining consumer eligibility for a gated offer using a hashed dataset comprises, receiving an eligibility claim from a requester, receiving credentials from a consumer, selecting a verification source based on the eligibility claim and the credentials, determining an eligibility status of the eligibility claim by comparing the credentials against a hashed dataset of the verification source, and transmitting the eligibility status to the requester. In this way, a verification platform may determine consumer eligibility to a gated offer using hashed data, without holding the underlying personal data of the consumer, thereby reducing data exposure of the consumer.