Dynamic risk engine
First Claim
1. A non-transitory, computer-readable storage medium containing a set of instructions which, when executed by one or more processors, cause the one or more processors to:
- interact, via a first medium for information exchange, with a device associated with a user;
receive or initiate a request to engage in an activity during the interaction;
determine a first activity trust threshold for the activity in connection with the first medium for information exchange;
determine an initial identity trust score for the user based at least in part on identifying information collected during the interaction, wherein the initial identity trust score is an identity trust score at a time the activity is requested;
in response to the initial identity trust score meeting or exceeding the first activity trust threshold, allow the user to engage in the activity during a session;
receive a request to continue the session via a second medium for information exchange;
update the identity trust score with information collected during the session; and
in response to the updated identity trust score meeting or exceeding a second activity trust threshold in connection with the second medium for information exchange, continue the session via the second medium for information exchange.
1 Assignment
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Accused Products
Abstract
Various embodiments of the present invention generally relate to identity authentication and/or recognition. Some embodiments provide a method for determining when a user may engage in a restricted activity, including engaging in an initial contact with a user via a medium for exchange, receiving a request to engage in an activity, determining an activity trust threshold required for the activity, determining an initial identity trust score for the user, and comparing the initial identity trust score with the activity trust threshold. Based on the comparison, the user is either allowed to engage in the activity, rejected from engaging in the activity, or additional identifying information is collected.
27 Citations
20 Claims
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1. A non-transitory, computer-readable storage medium containing a set of instructions which, when executed by one or more processors, cause the one or more processors to:
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interact, via a first medium for information exchange, with a device associated with a user; receive or initiate a request to engage in an activity during the interaction; determine a first activity trust threshold for the activity in connection with the first medium for information exchange; determine an initial identity trust score for the user based at least in part on identifying information collected during the interaction, wherein the initial identity trust score is an identity trust score at a time the activity is requested; in response to the initial identity trust score meeting or exceeding the first activity trust threshold, allow the user to engage in the activity during a session; receive a request to continue the session via a second medium for information exchange; update the identity trust score with information collected during the session; and in response to the updated identity trust score meeting or exceeding a second activity trust threshold in connection with the second medium for information exchange, continue the session via the second medium for information exchange. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A method comprising:
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interacting, via a first medium for information exchange, with a device associated with a user; receiving or initiating a request to engage in an activity during the interaction; determining, by a processor, a first activity trust threshold for the activity in connection with the first medium for information exchange; determining, by the processor, an initial identity trust score for the user based at least in part on identifying information collected during the interaction, wherein the initial identity trust score is an identity trust score at a time the activity is requested; in response to the initial identity trust score meeting or exceeding the first activity trust threshold, allowing the user to engage in the activity during a session; receiving a request to continue the session via a second medium for information exchange; updating the identity trust score with information collected during the session; and in response to the updated identity trust score meeting or exceeding a second activity trust threshold in connection with the second medium for information exchange, continuing the session via the second medium for information exchange. - View Dependent Claims (14, 15, 16, 17, 18, 19)
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20. A system comprising:
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a memory; and a processor in communication with the memory, the processor operable to execute software modules, the software modules comprising; a channel information collection module operable to; interact, via a first medium for information exchange, with a device associated with a user; receive or initiate a request to engage in an activity during the interaction; an activity trust threshold module operable to; determine a first activity trust threshold for the activity in connection with the first medium for information exchange; determine an initial identity trust score for the user based at least in part on identifying information collected during the interaction, wherein the initial identity trust score is an identity trust score at a time the activity is requested; in response to the initial identity trust score meeting or exceeding the first activity trust threshold, allow the user to engage in the activity during a session; receive a request to continue the session via a second medium for information exchange; update the identity trust score with information collected during the session; and in response to the updated identity trust score meeting or exceeding a second activity trust threshold in connection with the second medium for information exchange, continue the session via the second medium for information exchange.
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Specification