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DYNAMIC TRUST MODEL FOR AUTHENTICATING A USER

  • US 20090199264A1
  • Filed: 01/31/2008
  • Published: 08/06/2009
  • Est. Priority Date: 01/31/2008
  • Status: Active Grant
First Claim
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1. A method for authenticating a user, comprising:

  • determining a trust level for the user, wherein the trust level is a function of elapsed time since the user previously provided authentication information;

    calculating a transaction risk level based on a type of user transaction performed by the user; and

    requesting additional authentication information from the user based on the trust level and the transaction risk level.

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