Risk-based transaction authentication
US9171306B1 · kind B1 · utility
Assignee
Inventors
Key dates
| Filing date | Mar 29, 2010 |
| Grant date | Oct 27, 2015 |
| Priority date | — |
| Expiry date | Apr 10, 2032 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q20/405
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
Apparatus and methods for authorizing an exchange between a customer and a services provider. The apparatus may include an electronic processor that is configured to: (1) calculate a reference event profile; and (2) determine a difference between a prospective transaction profile and the reference event profile. The prospective transaction profile may be based on the initiation of a prospective transaction by an individual whose identity has not been verified. The reference event profile may be based on a plurality of customer events that correspond to one or many different customers. The apparatus may include an output device that is configured to output authentication test information that corresponds to the difference. The authentication test information may support a revised prospective transaction profile that is more similar to the reference event profile than is the initial prospective event profile.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.