Common data format in knowledge-based authentication
First Claim
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1. In a knowledge-based authentication (KBA) system, a method of providing a set of questions, the method comprising:
- receiving facts from multiple fact sources, each fact source being associated with a distinct data format;
providing a set of adaptors, each adaptor being constructed and arranged to convert facts in a distinct data format with which a fact source is associated to a common data format; and
generating the set of questions from the facts in the common data format, the set of questions being configured to elicit, from a user, a corresponding set of responses from which a KBA result is produced;
wherein the method further comprises;
storing the facts in a database when the facts have been converted to the common data format, the database including a set of entries, each entry of the set of entries being associated with a fact and including at least one identifier associated with a customer; and
wherein generating the set of questions from the facts in the common data format includes;
producing a ranking value associated with a candidate question, the ranking value being indicative of a likelihood that a particular response to the question implies that the user is the customer;
including the candidate question in the set of questions when the ranking value is greater than a threshold value; and
excluding the candidate question from the set of questions when the ranking value is less than a threshold value.
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Abstract
An improved technique involves converting facts from multiple fact sources to a common data format. Along these lines, for each fact source having a source-specific format, a KBA system provides an adaptor that converts incoming facts in the source-specific format to the common data format prior to generating questions. The KBA system stores the facts in the common format in a database for subsequent access. In response to an authorization request, the KBA system then builds questions based on the facts from multiple sources in the common data format stored in the database.
26 Citations
16 Claims
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1. In a knowledge-based authentication (KBA) system, a method of providing a set of questions, the method comprising:
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receiving facts from multiple fact sources, each fact source being associated with a distinct data format; providing a set of adaptors, each adaptor being constructed and arranged to convert facts in a distinct data format with which a fact source is associated to a common data format; and generating the set of questions from the facts in the common data format, the set of questions being configured to elicit, from a user, a corresponding set of responses from which a KBA result is produced; wherein the method further comprises; storing the facts in a database when the facts have been converted to the common data format, the database including a set of entries, each entry of the set of entries being associated with a fact and including at least one identifier associated with a customer; and wherein generating the set of questions from the facts in the common data format includes; producing a ranking value associated with a candidate question, the ranking value being indicative of a likelihood that a particular response to the question implies that the user is the customer; including the candidate question in the set of questions when the ranking value is greater than a threshold value; and excluding the candidate question from the set of questions when the ranking value is less than a threshold value. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A knowledge-based authentication (KBA) system constructed and arranged to provide a set of questions, comprising:
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a set of adaptors, each adaptor of the set of adaptors including; a network interface; memory; and a controller including controlling circuitry couple to the memory, the controlling circuitry being constructed and arranged to; receive facts from multiple fact sources, each fact source being associated with a distinct data format; and convert the facts in a distinct data format with which a fact source is associated to a common data format, and a database server connected to each adaptor of the set of adaptors, the database server including; a network interface; memory; and a controller including controlling circuitry couple to the memory, the controlling circuitry being constructed and arranged to; generate the set of questions from the facts in the common data format, the set of questions being configured to elicit, from a user, a corresponding set of responses from which a KBA result is produced; wherein the database server further includes; a storage device, and wherein the controlling circuitry of the database server is further constructed and arranged to; store the facts in a database stored on the storage device of the database server when the facts have been converted to the common data format, the database including a set of entries, each entry of the set of entries being associated with a fact and including at least one identifier associated with a customer; and wherein generating the set of questions from the facts in the common data format includes; producing a ranking value associated with a candidate question, the ranking value being indicative of a likelihood that a particular response to the question implies that the user is the customer; including the candidate question in the set of questions when the ranking value is greater than a threshold value; and excluding the candidate question from the set of questions when the ranking value is less than a threshold value. - View Dependent Claims (9, 10, 11, 12)
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13. A computer program product having a non-transitory, computer-readable storage medium which stores code to provide a set of questions in a knowledge-based authentication (KBA) system, the code including instructions to:
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receive facts from multiple fact sources, each fact source being associated with a distinct data format; provide a set of adaptors, each adaptor being constructed and arranged to convert facts in a distinct data format with which a fact source is associated to a common data format; and generate the set of questions from the facts in the common data format, the set of questions being configured to elicit, from a user, a corresponding set of responses from which a KBA result is produced; wherein the code includes further instructions to; store the facts in a database when the facts have been converted to the common data format, the database including a set of entries, each entry of the set of entries being associated with a fact and including at least one identifier associated with a customer; and wherein generating the set of questions from the facts in the common data format includes; producing a ranking value associated with a candidate question, the ranking value being indicative of a likelihood that a particular response to the question implies that the user is the customer; including the candidate question in the set of questions when the ranking value is greater than a threshold value; and excluding the candidate question from the set of questions when the ranking value is less than a threshold value. - View Dependent Claims (14, 15, 16)
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Specification