Authentication and interaction tracking system and method

US10600055B2 · kind B2 · utility

Assignee

• JPMORGAN CHASE BANK, N.A. · US

Inventors

• Stephen Durney · Gilbert, US
• Tracy M. Pletz · Wilmington, US
• Timothy A. Webb · Elkton, US

Key dates

• Filing date: Aug 9, 2017
• Grant date: Mar 24, 2020
• Expiry date: Mar 29, 2038

Classification

• Technology area (CPC G): Physics
• CPC primary: G06F21/6245
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Aspects of the invention relate to a central authentication and interaction tracking system for authenticating an entity making a request related to a financial account. The system facilitates authentication of an entity engaging in an interaction with a financial institution, the authentication based on a record of interactions initiated by the entity. The system includes an application interface receiving interaction requests over a network, the interaction requests originating from multiple entities and including a plurality of authentication factors. The system further includes a computer processor and computer memory capable of building, from each interaction request, an entity print record for each of the multiple entities, wherein each entity print record includes indicators of the authentication factors from each initiated transaction request. The system further facilitates deriving, from the entity print record, an entity print and storing the entity print in at least one computer memory, comparing received authentication factors for a requested interaction with the entity print, and making an authentication determination based on the comparison.