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Always on authentication

  • US 8,856,894 B1
  • Filed: 03/12/2013
  • Issued: 10/07/2014
  • Est. Priority Date: 11/28/2012
  • Status: Active Grant
First Claim
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1. A computer system for monitoring transactions for an individual, the computer system comprising:

  • a computing device in communication with a physical data store storing profile data for an individual, wherein the computing device is configured to;

    receive, from a user computing device, a request to authenticate an identity for an individual, wherein the request includes at least some personally identifying information for the individual;

    authenticate the identity of the individual, based on the personally identifying information for the individual and based on profile data for the individual accessed from the physical data store;

    issue, to the user computing device, a virtual credential for the individual;

    associate the virtual credential with the profile data for the individual;

    receive, from a requesting entity, a request to authenticate a transaction, wherein the request includes the virtual credential;

    access a risk profile associated with the profile data for the individual, wherein the profile data for the individual is accessed using the virtual credential;

    determine whether a level of trust for the transaction is below a threshold trust level, wherein the level of trust is based on an analysis of the risk profile and the transaction; and

    in response to a determination that the level of trust for the transaction is below the threshold trust level, provide an indication to the requesting entity that further authentication of the individual is recommended.

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