Adaptive risk-based verification and authentication platform

US9830643B2 · kind B2 · utility

Assignee

• eBay Inc. · US

Inventors

• Farhang Kassaei · San Jose, US
• Amanda A. Earhart · Santa Cruz, US
• Snezana Sahter · San Jose, US
• Srinivasu Gottipati · Santa Clara, US
• Lars Wright · San Francisco, US
• Craig Rowley · Corvallis, US
• Lakshman Shyam Sundar Maddali · Fremont, US
• Nainesh Nayudu · Santa Clara, US

Key dates

• Filing date: Jun 12, 2009
• Grant date: Nov 28, 2017
• Expiry date: Nov 16, 2033

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q30/0601
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

In various exemplary embodiments, a system and associated method to perform an adaptive risk-based assessment of a user is disclosed. The method includes assigning a risk assessment process to the user and providing a plurality of assessment factors to the risk assessment process. The plurality of assessment factors are based on both the user (e.g., previously assessed factors, residence, phone number, address, etc.) and one or more actions the user may perform (e.g., selling an item in an electronic marketplace and the value of the item). A post-action analysis of the risk assessment process is performed. The risk assessment process can be modified based on a determination of the post-action analysis.