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Determining access requirements for online accounts based on characteristics of user devices

  • US 9,942,237 B2
  • Filed: 08/28/2015
  • Issued: 04/10/2018
  • Est. Priority Date: 08/28/2015
  • Status: Active Grant
First Claim
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1. A system comprising:

  • a memory comprising instructions;

    an interface;

    a processor communicatively coupled to the memory and the interface, the processor configured, when executing the instructions, to;

    determine one or more device characteristics of a user device, wherein the one or more device characteristics of the user device comprise;

    enabled security features of the user device;

    hardware characteristics of the user device, and software characteristics of the user device;

    determine, based on the one or more device characteristics of the user device, a security level associated with the user device;

    determine credential requirements for accessing an online account based on the security level associated with the user device;

    allow access to the online account in response to satisfying the determined credential requirements;

    grant full access to information and functions of the online account and bypass user credential requirement when the determined security level associated with the user device is high;

    apply partial access to information and functions of the online account and require minimal user credentials when the determined security level associated with the user device is medium; and

    allow read-only access to information and functions of the online account and require strong user credentials when the determined security level associated with the user device is low.

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