IP Library › Granted Patent US 12,499,207
Granted Patent B1
US 12,499,207 · App. 17/693,624 · Granted Dec 16, 2025

Validating a member and securing access to member data

Inventors: Oscar Roberto Tijerina (San Antonio, TX); Noe Alberto Martinez (San Antonio, TX); Huihui Wu (Grapevine, TX); Steven Michael Bernstein (San Antonio, TX); Nickolaus Wayne O'Neal (San Antonio, TX)
Assignee: United States Automobile Association (USSA)
G06F21/45G06Q30/018G06Q30/0609H04L9/0861H04L9/088H04L63/08
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Quick Facts
Patent No.
US 12,499,207
App. No.
17/693,624
Granted
Dec 16, 2025
Kind
B1
Abstract

Members of a limited member organization can be validated, and certain data can be publicly shared and confirmed. A member of the organization may be part of a company, and validation data related to the member and/or company can be analyzed to validate the member company. Once validated, a credential can be issued. The credential can be used to secure access to a data structure for the member company which stores public and private data. For example, a request to access the public data can include an identifier, and the public data can be returned when the identifier is authenticated to match the issued credential. Implementations grant access to a third-party marketplace by securing a portion of the data structure using a credential issued to the marketplace. The third-party marketplace can store marketplace data in the data structure, which can be used to update the validation.

Claims (74)

1 . A method for using multiple sets of credentials to control reading from and writing to one or more data structures, the method comprising:

analyzing validation data about a member entity to determine a risk metric;

comparing the risk metric to a criteria and, in response to the risk metric meeting the criteria, issuing a first credential to the member entity, wherein,

the first credential is associated with a status that confirms: a) the member entity as a member of a limited participation organization, and b) the member entity has passed the risk criteria administered by the limited participation organization, and

the first credential is stored and transmitted to the member entity;

storing the status in the one or more data structures, for the member entity, the one or more data structures storing public data and private data about the member entity, wherein,

the status is stored in the one or more data structures as public data,

a second credential, associated with the one or more data structures, is issued to a first third-party marketplace,

the first credential permits, via one or more network requests, view access to a portion of the one or more data structures;

receiving a request, associated with the second credential, to write marketplace data for the member entity and, in response to the request and using the second credential, writing the marketplace data to the portion of the one or more data structures, wherein a validity of the first credential is maintained by analyzing the marketplace data written to the portion of the one or more data structures;

receiving a validation request comprising an identifier for the member entity from a second third-party marketplace, wherein the member entity is associated with a merchant of the second third-party marketplace;

authenticating the identifier using the first credential; and

transmitting, to the second third-party marketplace based on the authenticating, the public data from the one or more data structures comprising the status.

2 . The method of claim 1 , wherein the validation data comprises one or more of: financial health across multiple member accounts, a membership history, an accreditation with a third-party organization or government, ratings for the member entity, or a combination thereof.

3 . The method of claim 1 , wherein at least a portion of the one or more data structures are stored as part of a block chain ledger.

4 . The method of claim 1 , further comprising:

receiving registration information from the first third-party marketplace; and

issuing the second credential to the first third-party marketplace based on the registration information.

5 . The method of claim 1 , further comprising:

updating the risk metric for the member entity using the marketplace data written to the portion of the one or more data structures via the first third-party marketplace.

6 . The method of claim 5 , further comprising:

revoking the status when the updated risk metric fails to meet the criteria.

7 . The method of claim 1 , further comprising:

publishing a posting of one or more goods and services for the member entity to an internal listing of the limited participation organization.

8 . The method of claim 7 , wherein the published posting comprises the public data stored in the data structure.

9 . The method of claim 8 , further comprising:

receiving reviews from the members of the limited participation organization about the one or more goods or services; and

storing the reviews in the one or more data structures for the member entity as public data.

10 . The method of claim 1 ,

wherein marketplace data is written to the portion of the one or more data structures via multiple third-party marketplaces, including the first third-party marketplace, and

wherein the risk metric for the member entity is updated by analyzing the marketplace data written to the portion of the one or more data structures via the multiple third-party marketplaces.

11 . The method of claim 1 ,

wherein at least the view access to the portion of the one or more data structures is secured via a row based key indexing security protocol, and

wherein the first credential, issued to the member entity, comprises view access privileges for the row based key indexing security protocol that secures the portion of the one or more data structures.

12 . A computer-readable storage medium storing instructions that, when executed by a computing system, cause the computing system to perform a process for using multiple sets of credentials to control reading from and writing to one or more data structures, the process comprising:

analyzing validation data about a member entity to determine a risk metric;

comparing the risk metric to a criteria and, in response to the risk metric meeting the criteria, issuing a first credential to the member entity, wherein,

the first credential is associated with a status that confirms: a) the member entity as a member of a limited participation organization, and b) the member entity has passed the risk criteria administered by the limited participation organization, and

the first credential is stored and transmitted to the member entity;

storing the status in the one or more data structures, for the member entity, the one or more data structures storing public data and private data about the member entity, wherein,

the status is stored in the one or more data structures as public data,

a second credential, associated with the one or more data structures, is issued to a first third-party marketplace,

the first credential permits, via one or more network requests, view access to a portion of the one or more data structures;

receiving a request, associated with the second credential, to write marketplace data for the member entity and, in response to the request and using the second credential, writing the marketplace data to the portion of the one or more data structures, wherein a validity of the first credential is maintained by analyzing marketplace data written to the portion of the one or more data structures;

receiving a validation request comprising an identifier for the member entity from a second third-party marketplace, wherein the member entity is associated with a merchant of the second third-party marketplace;

authenticating the identifier using the first credential; and

transmitting, to the second third-party marketplace based on the authenticating, the public data from the one or more data structures comprising the status.

13 . The computer-readable storage medium of claim 12 , wherein the validation data comprises one or more of: financial health across multiple member accounts, a membership history, an accreditation with a third-party organization or government, ratings for the member entity, or a combination thereof.

14 . The computer-readable storage medium of claim 12 , wherein at least a portion of the one or more data structures are stored as part of a block chain ledger.

15 . The computer-readable storage medium of claim 12 , wherein the process further comprises:

receiving registration information from the first third-party marketplace; and

issuing the second credential to the first third-party marketplace based on the registration information.

16 . The computer-readable storage medium of claim 12 , wherein the process further comprises:

updating the risk metric for the member entity by analyzing the marketplace data written to the portion of the one or more data structures via the first third-party marketplace.

17 . The computer-readable storage medium of claim 16 , wherein the process further comprises:

revoking the status when the updated risk metric fails to meet the criteria.

18 . The computer-readable storage medium of claim 12 , wherein the process further comprises:

publishing a posting of one or more goods and services for the member entity to an internal listing of the limited participation organization.

19 . The computer-readable storage medium of claim 18 , wherein the published posting comprises the public data stored in the one or more data structures.

20 . A computing system for using multiple sets of credentials to control reading from and writing to one or more data structures, the system comprising:

one or more processors; and

one or more memories storing instructions that, when executed by the one or more processors, cause the computing system to perform a process comprising:

analyzing validation data about a member entity to determine a risk metric;

comparing the risk metric to a criteria and, in response to the risk metric meeting the criteria, issuing a first credential to the member entity, wherein,

the first credential is associated with a status that confirms: a) the member entity as a member of a limited participation organization, and b) the member entity has passed the risk criteria administered by the limited participation organization, and

the first credential is stored and transmitted to the member entity;

storing the status in the one or more data structures, for the member entity, the one or more data structures storing public data and private data about the member entity, wherein,

the status is stored in the one or more data structures as public data,

a second credential, associated with the one or more data structures, is issued to a first third-party marketplace,

the first credential permits, via one or more network requests, the view access to a portion of the one or more data structures;

receiving a request, associated with the second credential, to write marketplace data for the member entity and, in response to the request and using the second credential, writing the marketplace data to the portion of the one or more data structures, wherein a validity of the first credential is maintained by analyzing marketplace data written to the portion of the one or more data structures;

receiving a validation request comprising an identifier for the member entity from a second third-party marketplace, wherein the member entity is associated with a merchant of the second third-party marketplace;

authenticating the identifier using the first credential; and

transmitting, to the second third-party marketplace based on the authenticating, the public data from the one or more data structures comprising the status.

Assignments (2)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Nov 14, 2025
From: UIPCO, LLC
To: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
Reel/Frame 072901/0796 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Mar 14, 2022
From: TIJERINA, OSCAR ROBERTO; MARTINEZ, NOE ALBERTO; WU, HUIHUI; BERNSTEIN, STEVEN MICHAEL; O'NEAL, NICKOLAUS WAYNE
To: UIPCO, LLC
Reel/Frame 059253/0780 →
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