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Un-password: risk aware end-to-end multi-factor authentication via dynamic pairing

  • US 10,015,154 B2
  • Filed: 03/14/2016
  • Issued: 07/03/2018
  • Est. Priority Date: 03/17/2013
  • Status: Active Grant
First Claim
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1. A method for determining a dynamic pairing code for use in exchanging information between a first and a second communications device, the method comprising:

  • at the first communications device;

    determining a first authentication score associated with a first information exchange session between the first and second communications devices;

    determining a second authentication score associated with a second information exchange session between the first and second communications devices, the second information exchange spaced apart in time from the first information exchange;

    combining the first and second authentication scores to create a cumulative risk analysis score;

    responsive to the cumulative risk analysis score, generating a dynamic pairing code for use in governing exchange of information during subsequent communications between the first and second communications device; and

    encrypting the dynamic pairing code and transmitting the dynamic pairing code to the second communications device.

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