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US Patent 10432605 Scalable risk-based authentication methods and systems

Patent 10432605 was granted and assigned to USAA on October, 2019 by the United States Patent and Trademark Office.

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Contents

Is a
Patent
Patent
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Patent attributes

Patent Applicant
USAA
USAA
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Current Assignee
USAA
USAA
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Patent Jurisdiction
United States Patent and Trademark Office
United States Patent and Trademark Office
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Patent Number
104326050
Patent Inventor Names
John David Row0
Tammy Sanclemente0
Thomas Bret Buckingham0
Debra Randall Casillas0
Maland Keith Mortensen0
Michael Frank Morris0
Michael W. Lester0
Richard A. Davey0
Date of Patent
October 1, 2019
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Patent Application Number
161607970
Date Filed
October 15, 2018
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Patent Citations Received
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US Patent 12132763 Bus for aggregated trust framework
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US Patent 11934514 Automated ID proofing using a random multitude of real-time behavioral biometric samplings
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US Patent 11977641 Providing an endpoint with an entity behavior profile feature pack
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US Patent 12001563 Generating an entity behavior profile based upon sessions
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US Patent 12010511 Method and apparatus for encryption key exchange with enhanced security through opti-encryption channel
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US Patent 12067107 Device handoff identification proofing using behavioral analytics
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US Patent 12074879 Inferring trust in computer networks
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...
Patent Primary Examiner
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Sharif E Ullah
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Patent abstract

The disclosure describes a scalable, risk-based authentication system including a plurality of fraud monitoring engines configured to: analyze user data and organization data, and generate a set of risk factors based on the user data and the enterprise data; a risk aggregator in communication with the plurality of fraud monitoring engines configured to: receive the set of risk factors, and transform the set of risk factors into risk indicators; and an authentication engine configured to: receive the risk indicators from the risk aggregator, and generate an authentication plan for a requested activity based on the risk indicators and the requested activity.

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