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Dynamic authorization with adaptive levels of assurance

  • US 10,572,874 B1
  • Filed: 09/10/2017
  • Issued: 02/25/2020
  • Est. Priority Date: 03/29/2014
  • Status: Active Grant
First Claim
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1. A method for authorizing a requested transaction from a Client Device during an active session, the method comprising:

  • receiving over a first secure communication channel, at a level of assurance (LOA) server having a secured configurable memory, a request from a Relying Party (RP) Services Application for the requested transaction from the Client Device;

    determining, at the LOA Server, that the requested transaction requires a higher level of assurance than a current level of assurance associated with the active session of the Client Device based on i) new levels of service required by the requested transaction, or ii) different levels of risk calculated by a plurality of contextual identifiers based on a context of the Client Device, network or an LOA Provider device provisioned by the Client Device;

    sending over a second secure communication channel, by the LOA Server, an authorization request for the requested transaction to the LOA Provider device, wherein the authorization request comprises information indicating a higher level of authorization credentials required for elevating the level of assurance of the active session;

    receiving over a third secure communication channel, at the LOA Server, from the LOA Provider device at least one of a plurality of required authorization credentials including proximity of the LOA Provider to the Client Device for elevating the LOA associated with the active session;

    determining, at the LOA Server, that the at least one of the plurality of authorization credentials received from the LOA Provider device is sufficient to elevate the active session to the higher LOA; and

    sending authorization for servicing of the Client Device requested transaction to the RP Services Application.

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