Just in time polymorphic authentication
First Claim
1. A method, comprising:
- at a computing platform comprising at least one processor, memory, and a communication interface;
receiving, by the at least one processor, via the communication interface, and from a first computing device, a request to access a first user account associated with a customer portal provided by the computing platform, the customer portal comprising at least one online banking user interface configured to present information associated with one or more bank accounts maintained by a financial institution for a user associated with the first user account;
in response to receiving the request to access the first user account, dynamically selecting, by the at least one processor, based on one or more polymorphic authentication factors, a first authentication method for authenticating a user of the first computing device to the first user account associated with the customer portal, the first authentication method being selected from a plurality of predefined authentication methods comprising a stringent authentication method and a baseline authentication method;
generating, by the at least one processor, one or more authentication prompts based on the first authentication method selected for authenticating the user of the first computing device to the first user account associated with the customer portal; and
providing, by the at least one processor, the one or more authentication prompts to the user of the first computing device,wherein the one or more polymorphic authentication factors comprise one or more external risk factors,wherein the customer portal provided by the computing platform is associated with an online banking channel, andwherein dynamically selecting the first authentication method for authenticating the user of the first computing device to the first user account associated with the customer portal comprises selecting the stringent authentication method for authenticating the user of the first computing device to the first user account associated with the customer portal based on at least one external risk factor of the one or more external risk factors indicating that an attack has been attempted on another channel different from the online banking channel.
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Abstract
Methods, systems, apparatuses, and computer-readable media for utilizing just-in-time polymorphic authentication techniques to secure information are presented. In one or more embodiments, a computing platform may receive, from a computing device, a request to access a user account. In response to receiving the request to access the user account, the computing platform may dynamically select, based on one or more polymorphic authentication factors, an authentication method for authenticating a user of the computing device, and the authentication method may be selected from a plurality of predefined authentication methods. Subsequently, the computing platform may generate one or more authentication prompts based on the selected authentication method. The computing platform then may provide the one or more authentication prompts to the user of the computing device. The authentication prompts that are selected for and presented to a particular user during a given access attempt may vary across different attempts.
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Citations
20 Claims
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1. A method, comprising:
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at a computing platform comprising at least one processor, memory, and a communication interface; receiving, by the at least one processor, via the communication interface, and from a first computing device, a request to access a first user account associated with a customer portal provided by the computing platform, the customer portal comprising at least one online banking user interface configured to present information associated with one or more bank accounts maintained by a financial institution for a user associated with the first user account; in response to receiving the request to access the first user account, dynamically selecting, by the at least one processor, based on one or more polymorphic authentication factors, a first authentication method for authenticating a user of the first computing device to the first user account associated with the customer portal, the first authentication method being selected from a plurality of predefined authentication methods comprising a stringent authentication method and a baseline authentication method; generating, by the at least one processor, one or more authentication prompts based on the first authentication method selected for authenticating the user of the first computing device to the first user account associated with the customer portal; and providing, by the at least one processor, the one or more authentication prompts to the user of the first computing device, wherein the one or more polymorphic authentication factors comprise one or more external risk factors, wherein the customer portal provided by the computing platform is associated with an online banking channel, and wherein dynamically selecting the first authentication method for authenticating the user of the first computing device to the first user account associated with the customer portal comprises selecting the stringent authentication method for authenticating the user of the first computing device to the first user account associated with the customer portal based on at least one external risk factor of the one or more external risk factors indicating that an attack has been attempted on another channel different from the online banking channel. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14)
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15. A system, comprising:
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at least one processor; a communication interface communicatively coupled to the at least one processor; and memory storing computer-readable instructions that, when executed by the at least one processor, cause the system to; receive, via the communication interface, and from a first computing device, a request to access a first user account associated with a customer portal provided by the system, the customer portal comprising at least one online banking user interface configured to present information associated with one or more bank accounts maintained by a financial institution for a user associated with the first user account; in response to receiving the request to access the first user account, dynamically select, based on one or more polymorphic authentication factors, a first authentication method for authenticating a user of the first computing device to the first user account associated with the customer portal, the first authentication method being selected from a plurality of predefined authentication methods comprising a stringent authentication method and a baseline authentication method; generate one or more authentication prompts based on the first authentication method selected for authenticating the user of the first computing device to the first user account associated with the customer portal; and provide the one or more authentication prompts to the user of the first computing device, wherein the one or more polymorphic authentication factors comprise one or more external risk factors, wherein the customer portal provided by the system is associated with an online banking channel, and wherein dynamically selecting the first authentication method for authenticating the user of the first computing device to the first user account associated with the customer portal comprises selecting the stringent authentication method for authenticating the user of the first computing device to the first user account associated with the customer portal based on at least one external risk factor of the one or more external risk factors indicating that an attack has been attempted on another channel different from the online banking channel. - View Dependent Claims (16, 17, 18, 19)
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20. One or more non-transitory computer-readable media storing instructions that, when executed by a computing platform comprising at least one processor, memory, and a communication interface, cause the computing platform to:
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receive, via the communication interface, and from a first computing device, a request to access a first user account associated with a customer portal provided by the computing platform, the customer portal comprising at least one online banking user interface configured to present information associated with one or more bank accounts maintained by a financial institution for a user associated with the first user account; in response to receiving the request to access the first user account, dynamically select, based on one or more polymorphic authentication factors, a first authentication method for authenticating a user of the first computing device to the first user account associated with the customer portal, the first authentication method being selected from a plurality of predefined authentication methods comprising a stringent authentication method and a baseline authentication method; generate one or more authentication prompts based on the first authentication method selected for authenticating the user of the first computing device to the first user account associated with the customer portal; and provide the one or more authentication prompts to the user of the first computing device, wherein the one or more polymorphic authentication factors comprise one or more external risk factors, wherein the customer portal provided by the computing platform is associated with an online banking channel, and wherein dynamically selecting the first authentication method for authenticating the user of the first computing device to the first user account associated with the customer portal comprises selecting the stringent authentication method for authenticating the user of the first computing device to the first user account associated with the customer portal based on at least one external risk factor of the one or more external risk factors indicating that an attack has been attempted on another channel different from the online banking channel.
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Specification