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FRICTIONLESS MULTI-FACTOR AUTHENTICATION SYSTEM AND METHOD

  • US 20140157381A1
  • Filed: 12/05/2012
  • Published: 06/05/2014
  • Est. Priority Date: 12/05/2012
  • Status: Active Grant
First Claim
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1. A processor-implemented authentication method, comprising:

  • receiving a first location corresponding to a computing device having a browser application via which a user accesses an online account by entering a user identifier and a password for the online account;

    responsive to successful authentication of the user based on the user identifier and the password, initiating as a background process a location-based authentication without user involvement, the location-based authentication comprising;

    retrieving an identifier corresponding to a mobile phone, wherein the computing device and the mobile phone are associated with the user;

    obtaining, based on the identifier, a second location corresponding to the mobile phone;

    retrieving at least one authentication rule;

    determining, by a processor, whether the first and second locations generate a location match in accordance with the at least one authentication rule; and

    generating an authentication response to allow or deny the user access to the online account based on whether the first and second locations generate a location match.

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