Transaction assessment and/or authentication

US9471920B2 · kind B2 · utility

Assignee

• IDM GLOBAL, INC. · US

Inventors

• Dan Kolkowitz · Los Altos Hills, US
• Taher Elgamal · Atherton, US
• Kieran Gerard Sherlock · Palo Alto, US

Key dates

• Filing date: May 10, 2010
• Grant date: Oct 18, 2016
• Expiry date: Dec 15, 2031

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q50/01
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Systems and methods for assessing and authenticating transactions are disclosed. Some exemplary embodiments may authenticate transactions based at least in part on a comparison of a newly obtained electronic signature associated with a user with a previously obtained electronic signature associated with the user, where a payment instrument presented for use in the transaction is also associated with the user. Exemplary electronic signatures may comprise any information which may identify the user, such as browser fingerprints, computer fingerprints, IP addresses, geographic IP location information, information associated with a payment, and/or a typing patterns.