Transaction authentication, authorization, and/or auditing utilizing subscriber-specific behaviors
US12039536B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Oct 27, 2020 |
| Grant date | Jul 16, 2024 |
| Priority date | — |
| Expiry date | Nov 13, 2040 |
Classification
- Technology area (CPC H)Electricity
- CPC primaryH04W12/68
- WIPO fieldDigital communication
- WIPO sectorElectrical engineering
Abstract
Briefly, example methods, apparatuses, and/or articles of manufacture are disclosed that may be implemented, in whole or in part, using one or more computing devices to receive at a server device coupled to a communications network, a first signal indicating that a subscriber of a mobile device has initiated a transaction. The method may continue with accessing a data store to determine occurrence of one or more deterministic events with respect to the mobile device and accessing the data store to determine one or more behavior norms specific to the subscriber with respect to the mobile device. The method may additionally include generating, by the server coupled to the communications network, a second signal indicating an authorization status of the transaction, the authorization status being dependent on the occurrence of the one or more deterministic events in relation to the one or more behavior norms.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.