Systems and Methods for Authenticating Account Users
First Claim
1. A computer-implemented method for authorizing a user in connection with a request by the user to register an account for one or more services, to thereby confirm that the user is associated with the account, the method comprising:
- accessing data, stored in a database, for an account, in response to a request from a user to register the account for one or more new services;
requesting confirmation from the user, at a user device, of at least one detail associated with the accessed data;
comparing, at a computing device, location data for the user to base location data identified from the accessed data; and
generating, at the computing device, a score for the request based on the comparison, the score being indicative of whether or not the user, associated with the request, is also associated with the account.
1 Assignment
0 Petitions
Accused Products
Abstract
Systems and methods are provided for authorizing a user in connection with a request by the user to register an account for one or more services, to thereby confirm that the user is associated with the account. One exemplary method generally includes accessing data stored in a database for an account, in response to a request from a user to register the account for one or more new services; requesting confirmation from the user, at a user device, of at least one detail associated with the accessed data; comparing, at a computing device, location data for the user to base location data identified from the accessed data; and generating, at the computing device, a score for the request based on the comparison, where the score is indicative of whether or not the user, associated with the request, is also associated with the account.
4 Citations
20 Claims
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1. A computer-implemented method for authorizing a user in connection with a request by the user to register an account for one or more services, to thereby confirm that the user is associated with the account, the method comprising:
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accessing data, stored in a database, for an account, in response to a request from a user to register the account for one or more new services; requesting confirmation from the user, at a user device, of at least one detail associated with the accessed data; comparing, at a computing device, location data for the user to base location data identified from the accessed data; and generating, at the computing device, a score for the request based on the comparison, the score being indicative of whether or not the user, associated with the request, is also associated with the account. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A system for use in confirming that a user is associated with an account, in connection with a request by the user to register the account for one or more new services, the system comprising:
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a memory comprising data associated with various user accounts; and at least one processor coupled to the memory and, in response to a request from a user to register an account identified in the request for one or more new services, configured to; access data for the account from the memory; transmit an inquiry to a user device associated with the user to verify at least one detail of the accessed data for the account; determine a location of the user; and generate a score for the request based on a comparison of the determined location of the user to a base location identified from the accessed data, the score being indicative of whether or not the user is associated with the account identified in the request. - View Dependent Claims (11, 12, 13, 14, 15, 16)
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17. A non-transitory computer readable storage media comprising executable instructions which, when executed by at least one processor, cause the at least one processor to:
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receive a request from a user device to register a payment account for one or more services; access transaction data, stored in a database, for the payment account, in response to the request, for transactions made to the payment account over a predefined interval; transmit an inquiry to a user, at the user device, to confirm transaction data for at least one transaction made to the payment account over the predefined interval; identify a location for the user, corresponding to a time of the request; and generate a score for the request based on a comparison of the determined location of the user to locations of merchants included in the accessed transaction data for the payment account, the score being indicative of whether or not the user is associated with the payment account identified in the request. - View Dependent Claims (18, 19, 20)
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Specification