Inventor · Charlotte, NC, US

Michael E. Toth

45Patents
10h-index
46Co-inventors
67Inventor score

Filing activity: Jul 19, 2013 → Oct 11, 2021

Most-cited inventions

PatentTitleAreaCited byStatus
US9519934B2 Restricted access to online banking Physics 105 Active
US9331994B2 User authentication based on historical transaction data Electricity 36 Active
US9208301B2 Determining user authentication requirements based on the current location of the user in comparison to the users's normal boundary of location Physics 20 Active
US9185101B2 User authentication based on historical user behavior Electricity 19 Active
US9483766B2 User authentication based on historical transaction data Electricity 16 Active
US9477960B2 User authentication based on historical transaction data Electricity 16 Active
US9185117B2 User authentication by geo-location and proximity to user's close network Electricity 16 Active
US9305149B2 Sorting mobile banking functions into authentication buckets Electricity 15 Active
US9223951B2 User authentication based on other applications Electricity 13 Active
US9390242B2 Determining user authentication requirements based on the current location of the user being within a predetermined area requiring altered authentication requirements Physics 12 Active
US9647999B2 Authentication level of function bucket based on circumstances Electricity 10 Active
US10146919B1 Multicomputer system for user data authentication and processing Electricity 9 Active
US9525685B2 User authentication based on other applications Electricity 8 Active
US9646342B2 Remote control for online banking Physics 8 Active
US9633355B2 Knowledge based verification of the identity of a user Electricity 4 Active
US9509685B2 User authentication based on other applications Electricity 3 Active
US9819680B2 Determining user authentication requirements based on the current location of the user in comparison to the users's normal boundary of location Physics 3 Active
US10965675B2 Preventing unauthorized access to secure information systems using advanced pre-authentication techniques Electricity 2 Active
US10050962B2 Determining user authentication requirements along a continuum based on a current state of the user and/or the attributes related to the function requiring authentication Physics 2 Active
US9595025B2 Sorting mobile banking functions into authentication buckets Electricity 2 Active
US9530124B2 Sorting mobile banking functions into authentication buckets Electricity 2 Active
US11176230B2 Processing authentication requests to secured information systems based on user behavior profiles Physics 2 Active
US11120109B2 Processing authentication requests to secured information systems based on machine-learned event profiles Electricity 1 Active
US11048793B2 Dynamically generating activity prompts to build and refine machine learning authentication models Physics 1 Active
US9965606B2 Determining user authentication based on user/device interaction Electricity 1 Active

Source: USPTO / EPO open patent data. Inventor disambiguation is heuristic; counts are objective bibliographic measures.