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Method and system for authenticating customer identities

  • US 8,548,818 B2
  • Filed: 01/31/2008
  • Issued: 10/01/2013
  • Est. Priority Date: 01/31/2008
  • Status: Active Grant
First Claim
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1. A method for automated authentication of a customer'"'"'s identity, the method comprising:

  • receiving, by a computer system, a service request from a customer;

    retrieving, by the computer system, customer profile information related to the customer;

    generating, by the computer system, a first plurality of open-ended questions based on the customer profile information, wherein the first plurality of open-ended questions have question types associated with each question, and wherein the generating of the first plurality of open-ended questions comprises;

    tracking the question types associated with each question,tracking an average score for each question type,generating a question rating report for each question type based on the average score of each question type, andpresenting higher rated questions to the customer based on the report;

    designating, by the computer system, a first plurality of correct answers based on the customer profile information which correspond to the first plurality of open-ended questions;

    receiving a first plurality of answers to the first plurality of open-ended questions from the customer;

    automatically analyzing, by the computer system, the first plurality of answers by comparing the first plurality of answers with the first plurality of correct answers by parsing each of the first plurality of answers and performing a character-by-character accuracy analysis of the first plurality of answers in comparison to a character-by-character analysis of the first plurality of correct answers;

    calculating, by the computer system, authentication scores for each of the first plurality of answers, wherein each authentication score represents a correctness of each of the plurality of answers relative to the corresponding correct answer;

    rating each of the plurality of questions based on the correctness each of the plurality of answers relative to the corresponding correct answer;

    increasing the frequency of use of the plurality questions as a function of the rating of each of the plurality of questions, wherein the higher the rating of a question the more frequent the question is used; and

    authenticating, by the computer system, the customer if each of the authentication scores is cumulatively at least greater than a threshold value.

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