Transaction authentication based on metadata

US10380590B2 · kind B2 · utility

Assignee

• International Business Machines Corporation · US

Inventors

• Orit Edelstein · Haifa, IL
• Sharon Keidar-Barner · Yoqneam Illit, IL
• Tamer Salman · Haifa, IL

Key dates

• Filing date: Dec 7, 2016
• Grant date: Aug 13, 2019
• Expiry date: Jun 9, 2037

Classification

• Technology area (CPC H): Electricity
• CPC primary: H04W12/06
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

In some examples, a system for authenticating transactions can include a processor to detect metadata corresponding to a user of a mobile device, wherein the metadata comprises a call history from the mobile device. The processor can also detect transaction information corresponding to the user of the mobile device from a remote server, wherein the transaction information corresponds to a transaction initiated at a remote service provider and wherein the transaction information indicates a transaction type and transaction initiator information. The processor can also generate an authentication score of the transaction based on the metadata and the transaction information. The processor can also authorize the transaction based on the authentication score.