Method and system for user authentication
First Claim
Patent Images
1. A method comprising:
- dynamically generating, by an authentication system based on transaction data associated with a user of a user device, a plurality of authentication questions;
dynamically generating, based on the plurality of authentication questions, for each of the plurality of authentication questions, one or more valid answers and one or more false answers;
transmitting, to the user device, a first authentication question of the plurality of authentication questions and a plurality of selectable options comprising one or more valid answers and one or more false answers associated with the first authentication question;
receiving, from the user device for the first authentication question, an indication of at least one selected valid answer and at least one unselected false answer from the plurality of selectable options;
transmitting, to the user device, a second authentication question of the plurality of authentication questions and a plurality of selectable options comprising one or more valid answers and one or more false answers associated with the second authentication question;
receiving, from the user device for the second authentication question, an indication of at least one selected valid answer and at least one unselected false answer from the plurality of selectable options;
determining, based on the indication of the at least one unselected false answer for the first authentication question and the indication of the at least one unselected false answer for the second authentication question, that a threshold is satisfied; and
establishing an authenticated session with the user device based on the determination that the threshold is satisfied.
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Abstract
Disclosed are methods and systems for user authentication. User-specific data is aggregated by an authentication system. Answers to authentication questions are identified in the aggregated data. A user device attempting to authenticate with the authentication system is presented with the authentication question and selectable options for answering the authentication question. The selectable options include one or more valid answers and one or more false answers. A user device is authenticated after correctly answering one or more presented authentication questions.
5 Citations
20 Claims
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1. A method comprising:
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dynamically generating, by an authentication system based on transaction data associated with a user of a user device, a plurality of authentication questions; dynamically generating, based on the plurality of authentication questions, for each of the plurality of authentication questions, one or more valid answers and one or more false answers; transmitting, to the user device, a first authentication question of the plurality of authentication questions and a plurality of selectable options comprising one or more valid answers and one or more false answers associated with the first authentication question; receiving, from the user device for the first authentication question, an indication of at least one selected valid answer and at least one unselected false answer from the plurality of selectable options; transmitting, to the user device, a second authentication question of the plurality of authentication questions and a plurality of selectable options comprising one or more valid answers and one or more false answers associated with the second authentication question; receiving, from the user device for the second authentication question, an indication of at least one selected valid answer and at least one unselected false answer from the plurality of selectable options; determining, based on the indication of the at least one unselected false answer for the first authentication question and the indication of the at least one unselected false answer for the second authentication question, that a threshold is satisfied; and establishing an authenticated session with the user device based on the determination that the threshold is satisfied. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A method comprising:
- selecting, by an authentication system, at least one authentication question;
determining, based on transaction data associated with a user of a user device, at least one valid answer for each of the at least one authentication question, wherein the transaction data comprises one or more transactions associated with one or more purchases using a payment method associated with the user; transmitting, to the user device, the at least one authentication question and a plurality of selectable options comprising the at least one valid answer and at least one false answer; receiving, from the user device for each of the at least one authentication question, an indication of at least one selected answer and at least one non-selected answer from the plurality of selectable options; transmitting, to the user device, at least one further authentication question and a further plurality of selectable options comprising at least one valid answer and at least one false answer; receiving, from the user device for each of the at least one further authentication question, an indication of at least one selected answer and at least one non-selected answer from the further plurality of selectable options; determining, based on the indication of the at least one selected answer and the at least one non-selected answer for the at least one authentication question and the at least one selected answer and the at least one non-selected answer for the at least one further authentication question, that a first threshold and a second threshold are satisfied; and establishing an authenticated session with the user device based on the determination that the first threshold and the second threshold are satisfied.
- selecting, by an authentication system, at least one authentication question;
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12. A system, comprising:
at least one computing device, configured to; dynamically generate, based on transaction data associated with a user of a user device, a plurality of authentication questions; dynamically generate, based on the plurality of authentication questions, for each of the plurality of authentication questions, one or more valid answers and one or more false answers; transmit, to the user device, a first authentication question of the plurality of authentication questions and a plurality of selectable options comprising one or more valid answers and one or more false answers associated with the first authentication question; receive, from the user device for the first authentication question, an indication of at least one selected valid answer and at least one unselected false answer from the plurality of selectable options; transmit, to the user device, a second authentication question of the plurality of authentication questions and a plurality of selectable options comprising one or more valid answers and one or more false answers associated with the second authentication question; receive, from the user device for the second authentication question, an indication of at least one selected valid answer and at least one unselected false answer from the plurality of selectable options; determine, based on the indication of the at least one unselected false answer for the first authentication question and the indication of the at least one unselected false answer for the second authentication question, that a threshold is satisfied; and establish an authenticated session with the user device based on the determination that the threshold is satisfied. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19, 20)
Specification