Adaptive Authentication Server Grid Mapping for Risk Assessment
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Solution Overview
Problem
Conventional risk-based authentication systems are prone to inaccuracies due to the noisy and hypersensitive nature of geolocation data from mobile devices, leading to false positives and incorrect risk score assignments.
Innovation Solution
The technique maps raw user location data to a fixed grid of geographical areas, desensitizing location errors and improving accuracy by assigning risk scores based on the identifier of the geographical area rather than precise GPS or cell tower coordinates.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Measurement precision
If geolocation data from GPS coordinates or cell tower triangulation is used for risk assessment, then location-based risk scoring is enabled, but the system becomes hypersensitive to noise and external factors leading to false positives
Solution Approach 1:
The patent segments the continuous geolocation space into discrete grid cells with specific resolutions. Instead of using precise continuous coordinates that are sensitive to noise, the system divides the geographic area into manageable segments (grid cells) and assigns transactions to these segments. This segmentation reduces the impact of small location errors while maintaining meaningful geographic differentiation for risk assessment.
2Measurement precision
If precise GPS coordinates or cell tower identifiers are used to determine user location, then location accuracy is maximized, but small changes in location are perceived as large changes leading to inaccurate risk scores
Solution Approach 1:
The patent applies different levels of location precision to different geographic contexts. By using grid cells of appropriate resolution, the system achieves locally optimized location accuracy that balances precision with noise reduction. The grid cell approach allows the system to capture meaningful location changes while filtering out insignificant variations, making risk assessment more accurate and operationally effective.
Data Source
AI summary
An improved technique identifies risky transactions by mapping raw user location data to a particular cell in a fixed grid. Along these lines, when a user initiates a transaction with a service provider over a mobile device, the service provider collects raw location data such as a latitude and longitude for the user and transmits the location data to an adaptive authentication server. The adaptive authentication server then accesses a fixed set of geographical areas overlaid on a map of the Earth. For example, the geographic areas can correspond to square cells whose corners are defined by selected latitudes and longitudes. The adaptive authentication server finds a particular geographical area which contains the latitude and longitude for the user. Based on an identifier of the particular geographical area, the adaptive authentication server assigns a risk score to the transaction.