The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.

The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.

Date of Patent:
Apr. 07, 2026

Filed:

Apr. 24, 2024
Applicant:

Visa International Service Association, San Francisco, CA (US);

Inventors:

William Joseph Leddy, III, Lakeway, TX (US);

Shengfei Gu, Austin, TX (US);

Minghua Xu, Austin, TX (US);

Assignee:

Visa International Service Association, San Francisco, CA (US);

Attorney:
Primary Examiner:
Int. Cl.
CPC ...
G06Q 40/08 (2012.01); G06F 21/31 (2013.01); G06F 21/32 (2013.01); G06F 21/33 (2013.01); G06F 21/43 (2013.01); G06F 21/62 (2013.01); H04W 12/126 (2021.01);
U.S. Cl.
CPC ...
G06Q 40/08 (2013.01); G06F 21/31 (2013.01); G06F 21/32 (2013.01); G06F 21/33 (2013.01); G06F 21/43 (2013.01); G06F 21/6245 (2013.01); H04W 12/126 (2021.01);
Abstract

Systems, methods, and computer program products are provided for patient authentication and identity risk assessment. An example system includes a processor configured to receive an initial patient authorization request from a medical provider computing device and generate an authenticity score. The processor is also configured to communicate the authenticity score to an insurance provider system and receive a prompt for a proof of a patient identity. The processor is further configured to receive the proof from a mobile device and communicate a validation token to the mobile device. The processor is further configured to receive a secondary patient authorization request and generate a new authenticity score. The processor is further configured to communicate the new authenticity score to the insurance provider system and receive a secondary insurance provider response. The processor is further configured to communicate a portion of the secondary insurance provider response to the medical provider computing device.


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