Authentication and interaction tracking system and method

US9246899B1 · kind B1 · utility

Assignee

• JPMORGAN CHASE BANK, N.A. · US

Inventors

• Stephen Durney · Gilbert, US
• Tracy M. Pletz · Wilmington, US
• Timothy A. Webb · Elkton, US

Key dates

• Filing date: Mar 25, 2014
• Grant date: Jan 26, 2016
• Expiry date: Mar 25, 2034

Classification

• Technology area (CPC G): Physics
• CPC primary: G06F21/6245
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A central authentication and interaction tracking system authenticates an entity making a request related to a financial account. The system facilitates authentication of an entity engaging in an interaction based on a record of interactions initiated by the entity. The system includes an application interface receiving interaction requests over a network, the requests originating from multiple entities and including authentication factors. The system further includes a computer processor and computer memory capable of building, from each interaction request, an entity print record for each of the multiple entities, wherein each entity print record includes the authentication factors. The system further facilitates deriving, from the entity print record, an entity print, comparing received authentication factors for a requested interaction with the entity print, and making an authentication determination based on the comparison.