Authenticating users in the presence of small transaction volumes
US11042880B1 · kind B1 · utility
Assignee
Inventors
Key dates
| Filing date | Dec 17, 2014 |
| Grant date | Jun 22, 2021 |
| Priority date | — |
| Expiry date | Sep 14, 2038 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q20/4016
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
A method involves performing a mathematical estimation operation identifying a risk score threshold. The operation identifies the risk score threshold as a point on a curve rather than a value of a particular risk score. Such a curve approximates the distribution of risk score values output over a time interval and represents a function embodied by a plot of risk score percentile vs. risk score value. The risk engine, rather than selecting a particular risk score, selects a curve from a family of curves that is known to accurately represent such risk score distributions. For example, the risk engine may choose the curve that provides the best fit to the previous week's risk scores over the family of curves. The risk engine identifies the risk score threshold by finding a risk score value such that the function evaluated at that risk score value produces a specified risk score percentile.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.