System, device, and method of differentiating among users based on user-specific page navigation sequence
First Claim
Patent Images
1. A method comprising:
- (A) during multiple usage sessions of multiple users with a particular computerized financial service, wherein each one of said users utilizes a pointing device and a keyboard for interacting with said particular computerized financial service, monitoring pointing device dynamics and gestures and keystrokes of each one of said users across multiple different pages of said particular computerized financial service;
(B) differentiating between (i) a legitimate user of said particular computerized financial service, and (ii) an illegitimate user of said particular computerized financial service, based on an aggregate combination of;
(I) a first unique sequence in which each user visits multiple web-pages of said particular financial computerized service, and(II) a second unique sequence in which each user engages with multiple on-screen user interface (UI) elements within a single web-page of said particular computerized financial service;
(C) based on said differentiating, flagging a particular financial transaction of a particular user of said particular computerized financial service as possibly-fraudulent.
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Accused Products
Abstract
Systems, devices, and methods for detecting identity of a user of a computerized service; for determining whether or not an electronic device is being used by a legitimate user; for detecting identity of a user based on navigation sequences; and for differentiating among users. The system monitors user interactions with a financial service or a retailer service, via input units, computer-mouse, keyboard, touch-screen; the system determines a unique sequence in which each users visits multiple pages, or interacts with multiple interface elements; and the system differentiates among users and flags a transaction as possibly-fraudulent.
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Citations
17 Claims
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1. A method comprising:
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(A) during multiple usage sessions of multiple users with a particular computerized financial service, wherein each one of said users utilizes a pointing device and a keyboard for interacting with said particular computerized financial service, monitoring pointing device dynamics and gestures and keystrokes of each one of said users across multiple different pages of said particular computerized financial service; (B) differentiating between (i) a legitimate user of said particular computerized financial service, and (ii) an illegitimate user of said particular computerized financial service, based on an aggregate combination of; (I) a first unique sequence in which each user visits multiple web-pages of said particular financial computerized service, and (II) a second unique sequence in which each user engages with multiple on-screen user interface (UI) elements within a single web-page of said particular computerized financial service; (C) based on said differentiating, flagging a particular financial transaction of a particular user of said particular computerized financial service as possibly-fraudulent. - 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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(A) during multiple usage sessions of multiple users with a particular computerized financial service, wherein each one of said users utilizes a pointing device and a keyboard for interacting with said particular computerized financial service, monitoring pointing device dynamics and gestures and keystrokes of each one of said users across multiple different pages of said particular computerized financial service; (B) differentiating between (i) a legitimate user of said particular computerized financial service, and (ii) an illegitimate user of said particular computerized financial service, based on an aggregate combination of; (I) a unique sequence in which each user visits multiple web-pages of said particular financial computerized service, and (II) a unique transition pattern in which each user transitions from a first on-screen component of a first web-page to a second on-screen component of a second web-page of said particular computerized financial service; (C) based on said differentiating, flagging a particular financial transaction of a particular user of said particular computerized financial service as possibly-fraudulent.
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14. A method comprising:
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(A) during multiple usage sessions of multiple users with a particular computerized financial service, wherein each one of said users utilizes a pointing device and a keyboard for interacting with said particular computerized financial service, monitoring pointing device dynamics and gestures and keystrokes of each one of said users across multiple different pages of said particular computerized financial service; (B) differentiating between (i) a legitimate user of said particular computerized financial service, and (ii) an illegitimate user of said particular computerized financial service, based on an aggregate combination of; (I) a unique sequence in which each user engages with on-screen user interface (UI) elements within a single web-page of said particular computerized financial service, and (II) a unique transition pattern in which each user transitions from a first on-screen component of a first web-page to a second on-screen component of a second web-page of said particular computerized financial service; (C) based on said differentiating, flagging a particular financial transaction of a particular user of said particular computerized financial service as possibly-fraudulent.
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15. A process comprising:
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(A) during multiple usage sessions of multiple users with a particular online retailer service, wherein each one of said users utilizes a pointing device and a keyboard for interacting with said particular online retailer service, monitoring pointing device dynamics and gestures and keystrokes of each one of said users across multiple different pages of said particular online retailer service; (B) differentiating between (i) a legitimate user of said particular online retailer service, and (ii) an illegitimate user of said particular online retailer service, based on an aggregate combination of; (I) a first unique sequence in which each user visits multiple web-pages of said particular online retailer service, and (II) a second unique sequence in which each user engages with multiple on-screen user interface (UI) elements within a single web-page of said particular online retailer service; (C) based on said differentiating, flagging a particular financial transaction of a particular user of said particular online retailer service as possibly-fraudulent.
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16. A process comprising:
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(A) during multiple usage sessions of multiple users with a particular online retailer service, wherein each one of said users utilizes a pointing device and a keyboard for interacting with said particular online retailer service, monitoring pointing device dynamics and gestures and keystrokes of each one of said users across multiple different pages of said particular online retailer service; (B) differentiating between (i) a legitimate user of said particular online retailer service, and (ii) an illegitimate user of said particular online retailer service, based on an aggregate combination of; (I) a unique sequence in which each user visits multiple web-pages of said particular online retailer service, and (II) a unique transition pattern in which each user transitions from a first on-screen component of a first web-page to a second on-screen component of a second web-page of said particular online retailer service; (C) based on said differentiating, flagging a particular financial transaction of a particular user of said particular online retailer service as possibly-fraudulent.
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17. A process comprising:
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(A) during multiple usage sessions of multiple users with a particular online retailer service, wherein each one of said users utilizes a pointing device and a keyboard for interacting with said particular online retailer service, monitoring pointing device dynamics and gestures and keystrokes of each one of said users across multiple different pages of said particular online retailer service; (B) differentiating between (i) a legitimate user of said particular online retailer service, and (ii) an illegitimate user of said particular online retailer service, based on an aggregate combination of; (I) a unique sequence in which each user engages with on-screen user interface (UI) elements within a single web-page of said particular online retailer service, and (II) a unique transition pattern in which each user transitions from a first on-screen component of a first web-page to a second on-screen component of a second web-page of said particular online retailer service; (C) based on said differentiating, flagging a particular transaction of a particular user of said particular online retailer service as possibly-fraudulent.
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Specification