Dynamic authentication engine
US8745698B1 · kind B1 · utility
Assignee
Inventors
Key dates
| Filing date | Jun 9, 2009 |
| Grant date | Jun 3, 2014 |
| Priority date | — |
| Expiry date | Oct 10, 2031 |
Classification
- Technology area (CPC H)Electricity
- CPC primaryH04W12/67
- WIPO fieldDigital communication
- WIPO sectorElectrical engineering
Abstract
Embodiments of the invention relate to apparatuses and methods for identity verification. For example, in one embodiment, a financial institution has a system to generate authentication questions to be used when authenticating a customer when the customer is trying to access and/or use the customer's account. The authentication system is configured to ask one or more authentication questions each time the customer tries to access or use the account, where the authentication questions are generally out-of-wallet questions that constantly change from one authentication attempt to the next. For example, in one embodiment, the questions include behavioral, historical, and transaction based questions generated from information available about a customer's financial account. In some embodiments, the authentication engine is configured to generate authentication questions based at least partially on a risk rating associated with the authentication request and/or on the communication channel from which the request is received.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.