Intelligent authentication process

• US 9,875,468 B2
• Filed: 11/26/2014
• Issued: 01/23/2018
• Est. Priority Date: 11/26/2014
• Status: Active Grant

• Current Assignee: Buy It Mobility Networks, Inc.
• Original Assignee: Buy It Mobility Networks, Inc.
• Inventors: Kadaster, Aydin A., Frisch, Adam
• Primary Examiner(s): Robinson, Kito R
• Application Number:
  US14/554,701
• Publication Number:
  US 20160148201A1
• Time in Patent Office: 1,154 Days
• Field of Search: 705 44
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/4015 using location information
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation

Abstract

A method is provided for authentication that includes receiving consumer information associated with a consumer transmitted over a first data network, determining available account authentication options based on the received consumer information and a database of potential authentication options stored in a memory, selecting a set of available authentication options from the available authentication options based on a database of the potential authentication option attributes stored in the memory, transmitting the selected set of available authentication options to the consumer over the first data network, receiving a selected authentication option transmitted over the first data network, transmitting the consumer information to an authentication provider associated with the selected authentication option over a second data network, and receiving an authentication confirmation transmitted over the second data network.

Claims

1. A method for authentication comprising:

receiving consumer information associated with a consumer transmitted over a first data network in a processor operated by an account issuer;

determining available account authentication options based on the received consumer information and a database of potential authentication options stored in a memory in the processor;

selecting a set of available authentication options from the available account authentication options based on a database of attributes for the potential authentication options stored in the memory in the processor;

transmitting the selected set of available authentication options to the consumer over the first data network from the processor;

receiving a selected authentication option transmitted over the first data network in the processor;

selecting an authentication provider associated with the selected authentication option from a database stored in the memory of potential authentication providers capable of providing the selected authentication option in the processor, wherein the authentication provider is selected based on at least one of historical average authentication speed or instantaneous connection speed;

transmitting consumer information to the authentication provider associated with the selected authentication option over a second data network, wherein the authentication provider is a third party that is a distinct entity from the consumer and the account issuer; and

receiving an authentication confirmation transmitted over the second data network in the processor.

2. The method of claim 1, wherein selecting the set of the available authentication options further comprises evaluating the real-time availability of an authentication provider associated with each authentication option.

3. The method of claim 1, further comprising transmitting additional information requests to the consumer over the first data network along with the selected set of available authentication options.

4. The method of claim 1, wherein the database of potential authentication options includes at least one of online instant account verification, debit card and PIN based authentication, status as part of a pre-authenticated account database, account information verification, mobile account-based verification, or challenge-deposit-withdrawal verification.

5. The method of claim 1, wherein the selected set of the available authentication options transmitted to the consumer is a subset of the available account authentication options.

6. The method of claim 1, wherein the first data network is a wireless data network.

7. The method of claim 1, further comprising comparing the consumer information against a database of pre authenticated consumers in the processor.

8. The method of claim 1, wherein the consumer information includes at least one of personally identifying information, bank account information, consumer preference, consumer demographic information, credit card information, debit card information, loyalty card or program information, or a subscriber identity stored on a subscriber identity module of a mobile device.

9. The method of claim 1, wherein transmitting the selected set of available authentication options to the consumer over the first data network comprises transmitting the selected set of available authentication options to a mobile internet device associated with the consumer.

10. The method of claim 1, wherein the consumer information is received from a vendor offering a cardless payment option to the consumer.

11. The method of claim 1, wherein the selected set of available authentication options includes authentication options utilizing different authentication pathways, such that the consumer is provided with at least two different authentication pathways.

12. The method of claim 1, wherein the selected set of available authentication options consists of instantaneous authentication options.

13. The method of claim 1, further comprising transmitting an authentication confirmation to the consumer over the first data network from the processor.

14. The method of claim 1, wherein the authentication is of a payment account.

15. The method of claim 14, further comprising updating the status of an account associated with a consumer to reflect the authentication of the payment account in the processor.

16. The method of claim 1, further comprising:

receiving an authentication failure transmitted over the second data network in the processor;

selecting a second set of available authentication options from the available account authentication options based on the database of attributes for the potential authentication options stored in the memory and not including the authentication option that produced the authentication failure in the processor;

transmitting the second selected set of available authentication options to the consumer over the first data network from the processor;

receiving a second selected authentication option transmitted over the first data network in the processor; and

transmitting consumer information to an authentication provider associated with the second selected authentication option over the second data network.

17. The method of claim 1, further comprising:

updating the database of attributes for the potential account authentication options in the memory to include the authentication confirmation in the processor.

18. The method of claim 17, wherein updating the database of attributes for the potential account authentication options comprises updating data for the authentication option selected to reflect at least one of the time of authentication, speed of authentication, cost of the authentication, consumer demographic information, device type, consumer location, or success rate.

19. The method of claim 1, further comprising:

receiving an authentication failure transmitted over the second data network in the processor; and

transmitting the consumer information to a second authentication provider associated with the selected authentication option over the second data network.

20. The method of claim 19, further comprising updating the database of attributes for the potential account authentication options in the memory to include the authentication failure in the processor.

21. The method of claim 16, further comprising updating the database of attributes for the potential account authentication options in the memory to include the authentication failure in the processor.

22. The method of claim 1, wherein one authentication option is selected

from the available account authentication options based on the database of attributes for the potential authentication options stored in the memory in the processor.

23. The method of claim 22, further comprising:

transmitting a request for additional consumer information associated with the one selected authentication option to the consumer over the first data network from the processor; and

receiving additional consumer information transmitted over the first data network in the processor;

wherein the consumer information transmitted to the authentication provider comprises the additional consumer information.

24. The method of claim 1, wherein the database of attributes for the potential authentication options comprises information related to at least one of a successful completion rate, an average authentication time, or a cost.

25. The method of claim 1, wherein the authentication provider is selected based on

at least one of historical average authentication speed or instantaneous connection speed;

and

at least one of preferred status or instantaneous availability.

26. The method of claim 1, wherein the authentication provider is selected based on at least historical average authentication speed.

27. A method for authentication comprising:

receiving consumer information associated with a consumer transmitted over a first data network in a processor;

determining available account authentication options based on the received consumer information and a database of potential authentication options stored in a memory in the processor;

selecting a set of available authentication options from the available account authentication options based on a database of attributes for the potential authentication options stored in the memory in the processor;

transmitting the selected set of available authentication options to the consumer over the first data network from the processor;

receiving a selected authentication option transmitted over the first data network in the processor;

selecting an authentication provider associated with the selected authentication option from a database stored in the memory of potential authentication providers capable of providing the selected authentication option in the processor, wherein the authentication provider is selected based on at least one of historical average authentication speed or instantaneous connection speed;

transmitting consumer information to the authentication provider associated with the selected authentication option over a second data network; and

receiving an authentication confirmation transmitted over the second data network in the processor,

wherein the database of attributes for the potential authentication options comprises information related to at least one of a successful completion rate, an average authentication time, or a cost.

28. The method of claim 27, wherein the authentication provider is selected based on

at least one of historical average authentication speed or instantaneous connection speed;

and

at least one of preferred status or instantaneous availability.

29. The method of claim 27, wherein the authentication provider is selected based on at least historical average authentication speed.

30. The method of claim 27, wherein selecting the set of the available authentication options further comprises evaluating the real-time availability of an authentication provider associated with each authentication option.

31. The method of claim 27, wherein the selected set of the available authentication options transmitted to the consumer is a subset of the available account authentication options.