AUTHENTICATION LEVEL OF FUNCTION BUCKET BASED ON CIRCUMSTANCES
First Claim
1. An apparatus for assigning a level of authentication to an authentication bucket, the apparatus comprising:
- a memory;
a processor; and
a module stored in the memory, executable by the processor, and configured to;
determine a current level of authentication corresponding to a first authentication bucket comprising a plurality of mobile banking functions;
collect a set of circumstantial data corresponding with the apparatus;
determine a circumstances score based at least in part on the set of circumstantial data; and
determine whether the current level of authentication corresponding to the first authentication bucket is appropriate based at least in part on the circumstances score.
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Accused Products
Abstract
Embodiments are directed to systems, methods and computer program products for assigning a level of authentication to an authentication bucket. Embodiments determine a current level of authentication corresponding to a first authentication bucket comprising a plurality of mobile banking functions; collect a set of circumstantial data corresponding with the apparatus; determine a circumstances score based at least in part on the set of circumstantial data; and determine whether the current level of authentication corresponding to the first authentication bucket is appropriate based at least in part on the circumstances score.
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Citations
20 Claims
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1. An apparatus for assigning a level of authentication to an authentication bucket, the apparatus comprising:
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a memory; a processor; and a module stored in the memory, executable by the processor, and configured to; determine a current level of authentication corresponding to a first authentication bucket comprising a plurality of mobile banking functions; collect a set of circumstantial data corresponding with the apparatus; determine a circumstances score based at least in part on the set of circumstantial data; and determine whether the current level of authentication corresponding to the first authentication bucket is appropriate based at least in part on the circumstances score. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A method for assigning a level of authentication to an authentication bucket, the method comprising:
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determining a current level of authentication corresponding to a first authentication bucket comprising a plurality of mobile banking functions; collecting a set of circumstantial data corresponding with the apparatus; determining a circumstances score based at least in part on the set of circumstantial data; determining whether the current level of authentication corresponding to the first authentication bucket is appropriate based at least in part on the circumstances score. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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15. A computer program product for assigning a level of authentication to an authentication bucket, the computer program product comprising a non-transitory computer-readable medium comprising code causing a first apparatus to:
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determine a current level of authentication corresponding to a first authentication bucket comprising a plurality of mobile banking functions; collect a set of circumstantial data corresponding with the apparatus; determine a circumstances score based at least in part on the set of circumstantial data; determine whether the current level of authentication corresponding to the first authentication bucket is appropriate based at least in part on the circumstances score. - View Dependent Claims (16, 17, 18, 19, 20)
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Specification