Authentication Assessment Using Time Decay Weighting
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Solution Overview
Problem
Existing anti-fraud network systems suffer from high false positives due to fraudulent transactions from specific IP addresses affecting future transactions, leading to prolonged false positive outcomes.
Innovation Solution
A computer-implemented method that obtains authentication data from current and previous time periods, applies a weight to the previous data based on a time decay factor, and performs a computation to produce a result used in processing future authentication requests, thereby reducing the impact of historical fraudulent activity.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Measurement precision
If authentication data from previous time periods is stored and analyzed, then authentication accuracy can be improved, but false positives increase due to prolonged impact of historical fraudulent activity
Solution Approach 1:
The patent applies parameter changes by introducing a time decay factor that modifies the weight of authentication data based on its age. Older data is assigned lower weights while more recent data receives higher weights, effectively changing the parameter of data significance over time. This resolves the contradiction by maintaining historical context for accuracy while reducing the prolonged impact of past fraudulent activities that cause false positives.
2Adaptability or versatility
If authentication data from multiple time periods is retained, then authentication assessments can be more comprehensive, but storage and processing costs increase
Solution Approach 1:
The patent changes the parameter of data retention by implementing a time decay factor that dynamically adjusts the significance of historical data. Instead of retaining all historical data with equal weight, the system retains data structure and applies varying weights based on time, reducing the effective quantity of data that needs full processing while maintaining comprehensive assessment capability.
Solution Approach 2:
The patent applies partial action by processing and storing only the necessary authentication data attributes rather than all possible data. The time decay factor allows the system to focus computational resources on recent data while maintaining awareness of historical patterns, thus reducing storage and processing requirements while preserving assessment comprehensiveness.
3Reliability
If a time decay factor is applied to authentication data, then false positives are reduced, but computational complexity increases
Solution Approach 1:
The patent applies parameter changes by using a simple multiplicative time decay factor rather than complex temporal modeling algorithms. The time decay factor is applied as a straightforward weight multiplication to authentication data, which reduces false positives by diminishing the impact of older data while adding minimal computational complexity compared to alternative approaches like moving averages or exponential smoothing.
Data Source
AI summary
There is disclosed herein a technique for use in providing an assessment of authentication requests. In one embodiment, the technique comprises obtaining authentication data that relates to an attribute of authentication requests in a current time period and a previous time period. The technique also comprises applying a weight to the authentication data that relates to the attribute of authentication requests in the previous time period and performing a computation involving the weighted authentication data and the authentication data that relates to the attribute of authentication requests in the current time period. The computation producing a computational result. The technique still further comprises providing the computational result for use in processing future authentication requests.