System and method for password-free access for validated users
First Claim
Patent Images
1. A system, comprising:
- a memory device configured to store instructions; and
a computing device configured to execute the instructions stored in the memory device to;
validate an identity of an individual requesting initial access to an online merchant by;
generating at least one knowledge based authentication (KBA) question based on at least one of a credit history or a transaction history of the individual in response to receiving a validation request from the online merchant; and
determining valid at least one response corresponding to the at least one KBA question by the individual;
enable the individual to select at least one personalized challenge question (PCQ) and to provide an answer to the at least one PCQ in response to validating the identity of the individual; and
enable subsequent access to the online merchant by the individual in response to comparing the answer to a subsequent answer to the at least one PCQ from the individual without prompting the individual for a personal identification number or a password.
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Abstract
A new approach is proposed that first validates identity of a user/individual who is initiating a request for a web service for the first time. Once validated, the user is allowed to access the web service, to register securely with the provider of the web service, and to create a series of personalized questions to be used for future validation purposes. During the user'"'"'s subsequent request for the web service, the user will be asked, in addition to his/her user name, one or more of the personalized questions he/she created on rotation basis in place of a PIN or password.
47 Citations
17 Claims
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1. A system, comprising:
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a memory device configured to store instructions; and a computing device configured to execute the instructions stored in the memory device to; validate an identity of an individual requesting initial access to an online merchant by; generating at least one knowledge based authentication (KBA) question based on at least one of a credit history or a transaction history of the individual in response to receiving a validation request from the online merchant; and determining valid at least one response corresponding to the at least one KBA question by the individual; enable the individual to select at least one personalized challenge question (PCQ) and to provide an answer to the at least one PCQ in response to validating the identity of the individual; and enable subsequent access to the online merchant by the individual in response to comparing the answer to a subsequent answer to the at least one PCQ from the individual without prompting the individual for a personal identification number or a password. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A method, comprising:
validating, using a processing device, an identity of a user in response to a request for access to an online merchant by the user by; generating knowledge based authentication (KBA) questions based on at least one of a credit history or a transaction history of the user in response to receiving a validation request from the online merchant; verifying a response to at least one of the KBA questions by the user; and granting the request for access to the user in response to the verifying the response;
enabling, using the processing device, the user to create personal challenge questions (PCQs) and to provide first answers to the PCQs in response to validating the identity of the user;
prompting, using the processing device, the user with at least one of the PCQs in response to a subsequent request for access to the online merchant by the user; andgranting, using the processing device, the subsequent request for access in response to comparing the first answers to a second answer to the least one of the PCQs without prompting the user for a personal identification number or a password. - View Dependent Claims (13, 14, 15, 16, 17)
Specification