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Intelligent authentication

Inactive Publication Date: 2016-04-07
WELLS FARGO BANK NA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Benefits of technology

The patent describes a system that keeps track of a user's interactions with electronic resources and creates a log of those interactions. This log includes factors that identify the user and their transactions, such as the user's time between online banking sessions or the type of transaction they're attempting. By analyzing this log, the system can determine how likely it is that the user is in fact the one who is trying to access the resource. Based on this analysis, the system decides what level of security to assign to each transaction. This dynamic approach ensures that users are not burnt with unnecessary security measures and that they can access resources safely without being targeted by hackers. The technical effect of this system is to provide flexible and efficient security for users while maintaining the best security measures based on their unique needs.

Problems solved by technology

Thus, the user cannot use the username and password of their online banking tools to access the ATM.

Method used

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Embodiment Construction

[0017]Embodiments or examples illustrated in the drawings are disclosed below using specific language. It will nevertheless be understood that the embodiments or examples are not intended to be limiting. Any alterations and modifications in the disclosed embodiments and any further applications of the principles disclosed in this document are contemplated as would normally occur to one of ordinary skill in the pertinent art. Described herein are examples of systems, methods, and other embodiments associated with intelligent authentication systems.

[0018]FIG. 1 is an illustration of an example of a system 100 associated with intelligent authentication. The system 100 includes a transaction logic 110, an activity logic 120, and an authentication logic 130. The system 100 may operate in a computing system to verify the identities of users attempting to access electronic resources. In one embodiment, the system 100 is employed by a financial institution to assign a transaction made by us...

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PUM

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Abstract

Systems, methods, and other embodiments associated with intelligent authentication. According to one embodiment, a system includes a transaction logic configured to receive transaction metadata associated with an attempted transaction. The transaction logic is also configured to identify a user attempting the attempted transaction. The system further includes an activity logic configured to access an activity log associated with the user. The activity log includes values corresponding to previous transactions made by the user and any additional information provided by 3rd party feeds. The activity logic is also configured to compare transaction metadata to the values. The system also includes an authentication logic configured to select an authentication level for the transaction based, at least in part, on the comparison.

Description

BACKGROUND[0001]Authentication is a technique for verifying a user. Typically, authentication is standardized for each resource such that each electronic resource is associated with a specific authentication technique. For example, a financial institution may make the online banking interface subject to a username and password combination to authenticate a user and the ATM transaction interface subject to a bank card and personal identification number (PIN) combination to authenticate the user. Thus, the user cannot use the username and password of their online banking tools to access the ATM.[0002]Conventionally, the authentication required for a particular electronic resource is set by the organization and does not change. Suppose that a user logs into online banking from a mobile device to check their balance a block away from an ATM, and then moments later attempts to perform a transaction at the ATM. The authentication technique utilized by the ATM does not change based on the ...

Claims

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Application Information

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IPC IPC(8): G06Q20/38
CPCG06Q20/382G06Q20/40
Inventor SUEN, DARRELL LEEKOTAMRAJU, SRIDHARCLAUSEN, CHRISTOPHER P.SU-SHIN KAO, MELODYONGPIN, CHRISTINA Z.CIESLAK, KEVIN R.
Owner WELLS FARGO BANK NA
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