This disclosure generally relates to mechanisms that mitigate the need to enter an account number in order for customers of utility-type resources to enroll in programs offered by the resource provider.
Providers of resources such as utility-based resources commonly offer certain programs to customers. Traditionally, program enrollment is accomplished by providing a customer account number that identifies the customer to the resource provider offering the program.
The following presents a simplified summary of the specification in order to provide a basic understanding of some aspects of the specification. This summary is not an extensive overview of the specification. It is intended to neither identify key or critical elements of the specification nor delineate the scope of any particular embodiments of the specification, or any scope of the claims. Its purpose is to present some concepts of the specification in a simplified form as a prelude to the more detailed description that is presented in this disclosure.
Systems disclosed herein relate to resource customer identity verification without the need to provide an account number. An imagine device can be configured to generate meter image data representing an image of a meter device that monitors consumption of a resource provided by an associated resource provider. A meter identification component can be configured to analyze the meter image data. In response, the meter identification component can generate meter identification data representing data that identifies the meter device. A program enrollment component can be configured to present to a display an indication that enrollment in a program, offered by the resource provider to customers of the resource provider, has been successful in response to a determination that the meter identification data is associated with a customer account identity determined to be eligible to enroll in the program.
The following description and the drawings set forth certain illustrative aspects of the specification. These aspects are indicative, however, of but a few of the various ways in which the principles of the specification may be employed. Other advantages and novel features of the specification will become apparent from the following detailed description of the specification when considered in conjunction with the drawings.
Numerous aspects, embodiments, objects and advantages of the present invention will be apparent upon consideration of the following detailed description, taken in conjunction with the accompanying drawings, in which like reference characters refer to like parts throughout, and in which:
Overview
Electric, water, gas, and other utility providers, referred to herein as “utilities” or “providers,” run programs eligible customers are invited to apply. In many cases, the utility must verify that a customer applying for the program is in fact a customer of the utility and that the customer is eligible according to the rules and requirements laid out for such program.
Typically, utilities invite customers to apply for a given program by completing a written “scissor form,” so called because they often are part of the program's promotional literature and must be detached from the promotional literature by means of scissors. Increasingly, customers may apply for these programs by calling a phone number, visiting the utility's website, or using a mobile device application provided by or on behalf of the utility.
One of the key methods utilities use to verify each potential program participant's eligibility for the program is his/her utility account number. Unlike other commonly known data such as name, address, birthday, phone number, email address, or Social Security number, a relatively small number of customers have memorized their utility account number. While this number is often readily available on the customer's bill, many customers do not save their utility bills, and some customer enrolled in automatic payment programs may not ever see their monthly bill.
Even when customers have access to their monthly bill, the hassle of locating it and transcribing their account number from the bill to the program's application form (whether physical or digital) can cause a number of customers to abandon their interest in program enrollment. Indeed, utility customers have been shown to be more than three times more likely to sign up for similar utility programs when the account number is not required. In some cases, utility providers are incentivized with cost savings, subsidies, or the like when acquiring enrollees, so increasing the number of utility customers to sign up for a program can be advantageous.
Furthermore, even when the monthly bill is obtained, it is difficult for some to read and the account numbers are often many characters long, such that customers often provide the wrong account number even when the bill is directly in front of them. Additionally, the program may be administered by a third-party that does not have direct access to the utility's customer database and therefore may not be able to correct obvious errors in the application data, including an error with the account number.
The end result is that it becomes more expensive for utilities to achieve their program targets and goals as (for example) filed with their state utility commissions because they have to market to more customers in order to achieve the desired customer yield.
One solution to this challenge faced by utilities comes from the increasing prevalence of mobile devices with built in cameras. The vast majority of residences have individual water, electricity, gas, or other meter provided by the relevant utility. Instead of verifying a customer's identity by using their account number, the utility could leverage or provide a mobile application that allows the customer to take a picture of their water, electricity, gas, or other on-site utility meter or to use a previously taken picture accessible from the device.
The meter image could be processed locally by the application (such as by using optical character recognition for the meter's identification number, scanning for a bar/QR code or similar code on the meter, or otherwise identifying the specific meter) and the resulting identification credentials transmitted to a remote computer system of the utility (or entity operating the program on the utility's behalf). Alternatively, the application could send the raw image to the utility's remote computer system for processing by that system. The credential and/or image transmission can be accomplished by any established local to remote communications method and may be secured by an establish security method, both of which are known to those skilled in the art of computer communications, networking, and security.
The validity of the image can also be confirmed by meta-data, such as latitude and longitude of the mobile device, which can be embedded in the image or obtained from the mobile device directly and compared to the meter's known geographic location.
The application can provide “real-time” feedback (that is, feedback with low latency, often not noticeable or relevant to a human actor) such that if additional information were necessary to identify the user or if the quality of the image was not satisfactory, the user/customer could be instructed to provide the necessary additional information or re-take the image.
A similar system to that described above could be implemented using a digital still or video camera and a computer with a desktop or web-based application that allowed the user/customer to select a digital still photo or video for analysis and/or upload.
A slightly lower tech system (but still lower user effort) could be constructed by asking the user to email a photo of the meter to the utility itself or a utility-designated service provider.
Customers who happen to know their utility account number or other relevant credentials could always just type it in to the application.
A key advantage to the system and method described here is that it limits the work required on the user's part versus searching for a difficult to locate (and often difficult to read) bill. Similar low-effort identity verification could be accomplished by means of a fingerprint scanner (increasingly prevalent on mobile devices), iris scanner, or other biometric device, as well as by online identity verification using the user/customer's online profile, such as from Google, Facebook, LinkedIn, etc. Such verification can often be accomplished by a few taps on a mobile phone, saving a lot of time, energy, and error that comes from searching for the utility bill and transcribing the account number.
A mobile, desktop, or web-based software application that allows customers to apply to the utility's programs could also be used as a promotional tool for other rebates, incentives, or utility programs for which the customer is eligible. Moreover, the application could remember the verified identity of the customer received as a result of the meter image, biometric profile, online profile, etc. such that it would not be required during future program application processes.
The two-way nature of advanced meter infrastructure (AMI) deployments could create additional methods for low-effort customer identity verifications. In response to a customer initiating the process of applying for a rebate, incentive, program, etc., the utility could send a signal via its AMI network to the customer's in-premise water, gas, electric, etc. meter which would cause the meter to send out an RF pulse, audible tone, or other signal that the mobile device, desktop computer, telephone, etc. could detect and send back to the utility system as part of the process. If the received signal matched what was sent, the customer's premise and identity could be verified.
An electric utility could also perform this method by causing the in-premise electric meter to insert “noise” on top of the in-home electrical signal such that the power cord for the desktop computer or charging cord from the mobile device could detect and send back the encoded signal to the utility. These data on top of electricity signal techniques are well understood by those skilled in the art of power line carrier (PLC) and other similar technologies. It offers the additional security advantage of requiring in-premise access, not just near-premise access, as in the case where a non-resident took a picture of the utility meter of another premise.
Such practices and techniques are not limited to electricity, water, and gas companies. They could also be used by other companies with in-premise equipment, such as cable/satellite television providers, internet and data service providers, and telephone and voice service providers to similar ends.
Various aspects or features of this disclosure are described with reference to the drawings, wherein like reference numerals are used to refer to like elements throughout. In this specification, numerous specific details are set forth in order to provide a thorough understanding of this disclosure. It should be understood, however, that certain aspects of disclosure may be practiced without these specific details, or with other methods, components, materials, etc. In other instances, well-known structures and devices are shown in block diagram form to facilitate describing the subject disclosure.
It is to be appreciated that in accordance with one or more implementations described in this disclosure, users can consent to providing data in connection with data gathering aspects. In instances where a user consents to the use of such data, the data may be used in an authorized manner. Moreover, one or more implementations described herein can provide for anonymization of identifiers (e.g., for devices or for data collected, received, or transmitted) as well as transparency and user controls that can include functionality to enable users to modify or delete data relating to the user's use of a product or service.
With reference now to the drawings, referring initially to
Imaging device 102 can be configured to generate meter data 104. Meter data 104 can represent (e.g., upon media-based decoding of meter data 104) an image 105 of a meter device 106. Meter device 106 can be any suitable device that monitors consumption of a resource 108 (e.g., electricity, gas, water, air, steam, etc.) that is provided by resource provider 110. In alternative embodiments, meter image data 104 can be transmitted to customer device 100 (e.g., at the time of installation of a new meter device 106). Hence, customer device 100 is not required in all embodiments to include imaging device 102. Customer device 100 can store image 105 and/or meter image data 104, which can be leveraged in various ways as disclosed herein.
Meter identification component 112 can be configured to analyze meter image data 104 and/or image 105. Based on such analysis, meter identification component 112 can generate meter ID data 114 that identifies meter device 106. Additional detail relating to analysis and identification associated with meter identification component 112 can be found in connection with
Program enrollment component 116 can be configured to present certain data to a display 118. Display 118 can in some embodiments be included in customer device 100, examples of which are provided in connection with
Program enrollment component 116 typically provides indication 120 in response to a determination that the meter ID data 114 is associated with a customer account identity 124 and that customer account identity 124 is eligible to enroll in program 122. Such determinations, that meter ID data 114 is associated with customer account identity 124 and that customer account identity 124 is eligible to enroll in program 122 can, in some embodiments, be determined by a remote device (e.g., server device 304) associated with resource provider 110. Additional detail in connection with program enrollment component 116 can be found with reference to
Referring now to
Meter image data 104 and/or a relevant portion of such can be provided to meter identification component 112. In some embodiments, metadata 208 can be provided to meter identification component 112. Metadata 208 can include certain data about meter image data such as, for example, a time or date associated with the capture of image 105, a location (e.g., latitude and longitude coordinates, etc.) associated with image 105, and so on. Meter identification component 112 can determine a relevant portion of image 105 and/or an associated portion of meter image data 104 that includes identification indicia (e.g., 202, 204, 206 or other) associated with the meter, and can generate meter ID data 114 in response to receiving meter image data 104. Meter ID data 114 can be a representation or translation of identification indicia 202-206 and can include all or portions of metadata 208.
Turning now to
In some embodiments, program enrollment component 116 can transmit meter ID data 114 to resource provider 110 (and/or server device 304) and receive a response 310 that indicates the customer account identity 124 has been enrolled in the program 122. Such can be provided, for example, once resource provider 110 verifies (e.g., from meter image data 104) customer account identity 124 and that customer account identity 124 is eligible for program 122. Based on response 310, customer device 100 can provide indication 120 to display 118, as detailed at
In some embodiments, program enrollment component 116 can receive from server device 304 (and/or resource provider 110) an information request 312. Information request 312 can represent a request for additional information relating to the meter identification data 114 or to the customer. Info request 312 can be, for example, a request to submit another image 105 (e.g., in response to a failed translation to meter ID data 114, or a request to provide other data such as, e.g., metadata 208. In response to info request 312, program enrollment component 116 can transmit the requested additional information 314 to server device 304. Thereafter, response 310 can be received.
Referring to
Server device 304 can include meter identification component 404 that can analyze image 105 and/or associated meter image data 104 an in response generate meter ID data 406. In some embodiments, meter ID data 406 can be substantially similar to meter ID data 114 detailed in connection with
If the meter image data 104 is sufficient, then the customer can be enrolled and an information screen (via insert 5A) depicted at
At reference numeral 704, a portion of the image can be identified. The portion of the image identified can include an identification for the meter device. For example, the meter device can be identified by a serial number, a bar code, a QR code, or the like. At reference numeral 706, the image data associated with the portion (e.g., the portion that includes the identification for the meter device) can be translated to meter identification data representing an identification of the meter device. Said differently, the image of the serial number or other code can be translated to identification data, for example by way of optical character recognition (OCR) techniques.
At reference numeral 708, method 700 can facilitate enrollment of a customer identity in a program offered by the resource provider. Such enrollment can be facilitated in response to a determination that the meter identification data is associated with the customer identity (e.g., that a particular meter is assigned to that particular customer) and that the customer identity is determined to be eligible to enroll in the program. Method 700 can end or proceed to insert A, which is further detailed in connection with
At reference numeral 804, it can be determined that the customer identity is eligible to enroll in the program, which is another determination that can be utilized at reference numeral 708, for instance in order to facilitate enrollment in the program. The determination that the customer is eligible to enroll in the program can be based on a comparison of program eligibility conditions to corresponding customer identity data.
At reference numeral 806, the program can be identified based on incentives, preferences, or behavior associated with the customer identity. For example, based on various data associated with the customer, offers or advertisements can be provided to the customer. As another example, customer information might also be employed in order to determine whether or not the customer is eligible to enroll in the program.
The systems and processes described below can be embodied within hardware, such as a single integrated circuit (IC) chip, multiple ICs, an application specific integrated circuit (ASIC), or the like. Further, the order in which some or all of the process blocks appear in each process should not be deemed limiting. Rather, it should be understood that some of the process blocks can be executed in a variety of orders, not all of which may be explicitly illustrated herein.
With reference to
The system bus 908 can be any of several types of bus structure(s) including the memory bus or memory controller, a peripheral bus or external bus, and/or a local bus using any variety of available bus architectures including, but not limited to, Industrial Standard Architecture (ISA), Micro-Channel Architecture (MSA), Extended ISA (EISA), Intelligent Drive Electronics (IDE), VESA Local Bus (VLB), Peripheral Component Interconnect (PCI), Card Bus, Universal Serial Bus (USB), Advanced Graphics Port (AGP), Personal Computer Memory Card International Association bus (PCMCIA), Firewire (IEEE 1394), and Small Computer Systems Interface (SCSI) or others now in existence or later developed.
The system memory 906 includes volatile memory 910 and non-volatile memory 912. The basic input/output system (BIOS), containing the basic routines to transfer information between elements within the computer 902, such as during start-up, is stored in non-volatile memory 912. In addition, according to present innovations, codec 935 may include at least one of an encoder or decoder, wherein the at least one of an encoder or decoder may consist of hardware, software, or a combination of hardware and software. Although, codec 935 is depicted as a separate component, codec 935 may be contained within non-volatile memory 912 or included in other components detailed herein. By way of illustration, and not limitation, non-volatile memory 912 can include read only memory (ROM), programmable ROM (PROM), electrically programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM), or flash memory. Volatile memory 910 includes random access memory (RAM), which acts as external cache memory. According to present aspects, the volatile memory may store the write operation retry logic (not shown in
Computer 902 may also include removable/non-removable, volatile/non-volatile computer storage medium.
It is to be appreciated that
A user enters commands or information into the computer 902 through input device(s) 928. Input devices 928 include, but are not limited to, a pointing device such as a mouse, stylus, touch pad, keyboard, microphone, joystick, game pad, satellite dish, scanner, TV tuner card, digital camera, digital video camera, web camera, and the like. These and other input devices connect to the processing unit 904 through the system bus 908 via interface port(s) 930. Interface port(s) 930 include, for example, a serial port, a parallel port, a game port, and a universal serial bus (USB). Output device(s) 936 use some of the same type of ports as input device(s) 928. Thus, for example, a USB port may be used to provide input to computer 902 and to output information from computer 902 to an output device 936. Output adapter 934 is provided to illustrate that there are some output devices 936 like monitors, speakers, and printers, among other output devices 936, which require special adapters. The output adapters 934 include, by way of illustration and not limitation, video and sound cards that provide a means of connection between the output device 936 and the system bus 908. It should be noted that other devices and/or systems of devices provide both input and output capabilities such as remote computer(s) 938.
Computer 902 can operate in a networked environment using logical connections to one or more remote computers, such as remote computer(s) 938. The remote computer(s) 938 can be a personal computer, a server, a router, a network PC, a workstation, a microprocessor based appliance, a peer device, a smart phone, a tablet, or other network node, and typically includes many of the elements described relative to computer 902. For purposes of brevity, only a memory storage device 940 is illustrated with remote computer(s) 938. Remote computer(s) 938 is logically connected to computer 902 through a network interface 942 and then connected via communication connection(s) 944. Network interface 942 encompasses wire and/or wireless communication networks such as local-area networks (LAN) and wide-area networks (WAN) and cellular networks. LAN technologies include Fiber Distributed Data Interface (FDDI), Copper Distributed Data Interface (CDDI), Ethernet, Token Ring and the like. WAN technologies include, but are not limited to, point-to-point links, circuit switching networks like Integrated Services Digital Networks (ISDN) and variations thereon, packet switching networks, and Digital Subscriber Lines (DSL).
Communication connection(s) 944 refers to the hardware/software employed to connect the network interface 942 to the bus 908. While communication connection 944 is shown for illustrative clarity inside computer 902, it can also be external to computer 902. The hardware/software necessary for connection to the network interface 942 includes, for exemplary purposes only, internal and external technologies such as, modems including regular telephone grade modems, cable modems and DSL modems, ISDN adapters, and wired and wireless Ethernet cards, hubs, and routers.
Referring now to
Communications can be facilitated via a wired (including optical fiber) and/or wireless technology. The client(s) 1002 are operatively connected to one or more client data store(s) 1008 that can be employed to store information local to the client(s) 1002 (e.g., cookie(s) and/or associated contextual information). Similarly, the server(s) 1004 are operatively connected to one or more server data store(s) 1010 that can be employed to store information local to the servers 1004.
In one embodiment, a client 1002 can transfer an encoded file, in accordance with the disclosed subject matter, to server 1004. Server 1004 can store the file, decode the file, or transmit the file to another client 1002. It is to be appreciated, that a client 1002 can also transfer uncompressed file to a server 1004 and server 1004 can compress the file in accordance with the disclosed subject matter. Likewise, server 1004 can encode video information and transmit the information via communication framework 1006 to one or more clients 1002.
The illustrated aspects of the disclosure may also be practiced in distributed computing environments where certain tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules can be located in both local and remote memory storage devices.
Moreover, it is to be appreciated that various components described herein can include electrical circuit(s) that can include components and circuitry elements of suitable value in order to implement the embodiments of the subject innovation(s). Furthermore, it can be appreciated that many of the various components can be implemented on one or more integrated circuit (IC) chips. For example, in one embodiment, a set of components can be implemented in a single IC chip. In other embodiments, one or more of respective components are fabricated or implemented on separate IC chips.
What has been described above includes examples of the embodiments of the present invention. It is, of course, not possible to describe every conceivable combination of components or methodologies for purposes of describing the claimed subject matter, but it is to be appreciated that many further combinations and permutations of the subject innovation are possible. Accordingly, the claimed subject matter is intended to embrace all such alterations, modifications, and variations that fall within the spirit and scope of the appended claims. Moreover, the above description of illustrated embodiments of the subject disclosure, including what is described in the Abstract, is not intended to be exhaustive or to limit the disclosed embodiments to the precise forms disclosed. While specific embodiments and examples are described herein for illustrative purposes, various modifications are possible that are considered within the scope of such embodiments and examples, as those skilled in the relevant art can recognize. Moreover, use of the term “an embodiment” or “one embodiment” throughout is not intended to mean the same embodiment unless specifically described as such.
In particular and in regard to the various functions performed by the above described components, devices, circuits, systems and the like, the terms used to describe such components are intended to correspond, unless otherwise indicated, to any component which performs the specified function of the described component (e.g., a functional equivalent), even though not structurally equivalent to the disclosed structure, which performs the function in the herein illustrated exemplary aspects of the claimed subject matter. In this regard, it will also be recognized that the innovation includes a system as well as a computer-readable storage medium having computer-executable instructions for performing the acts and/or events of the various methods of the claimed subject matter.
The aforementioned systems/circuits/modules have been described with respect to interaction between several components/blocks. It can be appreciated that such systems/circuits and components/blocks can include those components or specified sub-components, some of the specified components or sub-components, and/or additional components, and according to various permutations and combinations of the foregoing. Sub-components can also be implemented as components communicatively coupled to other components rather than included within parent components (hierarchical). Additionally, it should be noted that one or more components may be combined into a single component providing aggregate functionality or divided into several separate sub-components, and any one or more middle layers, such as a management layer, may be provided to communicatively couple to such sub-components in order to provide integrated functionality. Any components described herein may also interact with one or more other components not specifically described herein but known by those of skill in the art.
In addition, while a particular feature of the subject innovation may have been disclosed with respect to only one of several implementations, such feature may be combined with one or more other features of the other implementations as may be desired and advantageous for any given or particular application. Furthermore, to the extent that the terms “includes,” “including,” “has,” “contains,” variants thereof, and other similar words are used in either the detailed description or the claims, these terms are intended to be inclusive in a manner similar to the term “comprising” as an open transition word without precluding any additional or other elements.
As used in this application, the terms “component,” “module,” “system,” or the like are generally intended to refer to a computer-related entity, either hardware (e.g., a circuit), a combination of hardware and software, software, or an entity related to an operational machine with one or more specific functionalities. For example, a component may be, but is not limited to being, a process running on a processor (e.g., digital signal processor), a processor, an object, an executable, a thread of execution, a program, and/or a computer. By way of illustration, both an application running on a controller and the controller can be a component. One or more components may reside within a process and/or thread of execution and a component may be localized on one computer and/or distributed between two or more computers. Further, a “device” can come in the form of specially designed hardware; generalized hardware made specialized by the execution of software thereon that enables the hardware to perform specific function; software stored on a computer readable medium; or a combination thereof.
Moreover, the words “example” or “exemplary” are used herein to mean serving as an example, instance, or illustration. Any aspect or design described herein as “exemplary” is not necessarily to be construed as preferred or advantageous over other aspects or designs. Rather, use of the words “example” or “exemplary” is intended to present concepts in a concrete fashion. As used in this application, the term “or” is intended to mean an inclusive “or” rather than an exclusive “or”. That is, unless specified otherwise, or clear from context, “X employs A or B” is intended to mean any of the natural inclusive permutations. That is, if X employs A; X employs B; or X employs both A and B, then “X employs A or B” is satisfied under any of the foregoing instances. In addition, the articles “a” and “an” as used in this application and the appended claims should generally be construed to mean “one or more” unless specified otherwise or clear from context to be directed to a singular form.
Computing devices typically include a variety of media, which can include computer-readable storage media and/or communications media, in which these two terms are used herein differently from one another as follows. Computer-readable storage media can be any available storage media that can be accessed by the computer, is typically of a non-transitory nature, and can include both volatile and nonvolatile media, removable and non-removable media. By way of example, and not limitation, computer-readable storage media can be implemented in connection with any method or technology for storage of information such as computer-readable instructions, program modules, structured data, or unstructured data. Computer-readable storage media can include, but are not limited to, RAM, ROM, EEPROM, flash memory or other memory technology, CD-ROM, digital versatile disk (DVD) or other optical disk storage, magnetic cassettes, magnetic tape, magnetic disk storage or other magnetic storage devices, or other tangible and/or non-transitory media which can be used to store desired information. Computer-readable storage media can be accessed by one or more local or remote computing devices, e.g., via access requests, queries or other data retrieval protocols, for a variety of operations with respect to the information stored by the medium.
On the other hand, communications media typically embody computer-readable instructions, data structures, program modules or other structured or unstructured data in a data signal that can be transitory such as a modulated data signal, e.g., a carrier wave or other transport mechanism, and includes any information delivery or transport media. The term “modulated data signal” or signals refers to a signal that has one or more of its characteristics set or changed in such a manner as to encode information in one or more signals. By way of example, and not limitation, communication media include wired media, such as a wired network or direct-wired connection, and wireless media such as acoustic, RF, infrared and other wireless media.
This application claims the benefit of priority to U.S. Provisional Application No. 61/915,896, filed Dec. 13, 2013 and entitled “System and Method for Customer Identity Verification,” the entirety of which is incorporated herein by reference.
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