Dynamic Security Score Authentication for Transaction Risk Management

The patent changes the parameter of authentication evaluation from binary (authenticated/not authenticated) to continuous (security score ranging from 0-100). This allows the system to dynamically adjust authentication requirements based on the computed security score, which aggregates trust scores from multiple authentication events with time-based degradation. This resolves the contradiction by providing fine-grained security control without requiring complex multi-layer authentication flows for every transaction.

The patent introduces dynamic authentication where the required authentication level adapts based on the security score. Instead of static multi-factor authentication requirements, the system dynamically determines whether additional authentication is needed based on the computed security score and transaction risk level. This dynamic approach maintains high security reliability while reducing unnecessary authentication complexity for low-risk transactions.

By transforming authentication from a binary state to a continuous security score parameter, the system can operate transparently for users. When the security score is sufficient, no additional user action is required. Only when the score falls below the threshold does the system prompt for additional authentication. This parameter transformation resolves the contradiction by making security evaluation invisible to users during normal operation while maintaining strong security controls.

The system performs self-evaluation of authentication strength by automatically computing security scores based on accumulated trust scores from authentication events. This self-service mechanism eliminates the need for users to manually select or manage multiple authentication methods, as the system autonomously determines the appropriate authentication level based on the computed security score and transaction context.

The patent implements periodic re-evaluation of trust scores through time-based degradation. Each authentication event's trust score decreases over time according to a degradation rate, requiring periodic refreshment of authentication credibility. This periodic decay mechanism resolves the contradiction by automatically invalidating old authentication evidence over time, ensuring authentication reliability remains current without requiring indefinite maintenance of trust scores.

The trust score system is made dynamic through time-based degradation, where authentication reliability automatically adapts to the passage of time. This dynamic approach resolves the contradiction by allowing the system to maintain high authentication reliability for recent events while automatically reducing the weight of older events, thus adapting to changing security requirements without manual intervention or fixed time limits.

The patent applies local quality by assigning different weights and degradation rates to different types of authentication events based on their security strength. Stronger authentication methods (e.g., biometrics, hardware tokens) receive higher initial trust scores and slower degradation rates, while weaker methods receive lower scores and faster degradation. This local differentiation resolves the contradiction by providing precise measurement of authentication strength while adapting to different security requirements through configurable event-specific parameters.

The system changes the parameter of authentication evaluation from uniform treatment to differentiated scoring based on authentication event characteristics. By introducing event-type-specific trust scores and degradation rates as adjustable parameters, the system achieves both precise measurement of authentication strength and adaptability to different security scenarios through parameter configuration rather than structural complexity.