Method for determining the likelihood for someone to remember a particular transaction
US12079810B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Sep 26, 2023 |
| Grant date | Sep 3, 2024 |
| Priority date | — |
| Expiry date | Sep 26, 2043 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q20/40145
- WIPO fieldComputer technology
- WIPO sectorElectrical engineering
Abstract
Aspects described herein may use a machine learning model to identify transactions likely to be remembered by a user and that may be used to generate challenge questions to authenticate the user. An individual may request an action related to a financial account. In response to the request, the machine learning model may determine a likelihood an authorized user of the financial account will remember one or more recent transactions. The likelihood of each candidate transaction may be compared to a predetermined threshold to determine a subset of recent transactions. Information relating to the subset of recent transactions may be used to generate one or more challenge questions to pose to the user. The user's responses to the challenge questions may be used to evaluate whether the user is the authorized user of the financial account or is a fraudster or imposter.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.