United states system and methods for dynamically determined contextual, user-defined, and adaptive authentication
US11880842B2 · kind B2 · utility
Assignee
Inventor
Key dates
| Filing date | Dec 17, 2018 |
| Grant date | Jan 23, 2024 |
| Priority date | — |
| Expiry date | Nov 28, 2039 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06N7/01
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
An adaptive authentication (AA) computer device used for improved payment transaction authentication services is provided. The AA computer device includes at least one processor in communication with at least one memory device and is configured to retrieve historical transaction data and authentication types for each historical transaction. The AA computer device is also configured to generate a model associating each of the authentication types with a corresponding set of values for transaction parameters. The AA computer device is further configured to receive pending transaction data including a cardholder identifier of a first cardholder, a merchant identifier, and a transaction amount. The AA computer device is further configured to determine an authentication type by applying the model to the transaction parameters derived from the pending transaction and transmit to the first cardholder an authentication request of the authentication type.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.